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Updated on Sep 19, 2024

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

Reviewed by Josh Damico, Vice President Insurance Operations

Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

Learn more about our insurance review board

What's on this page?

How much does Kia car insurance cost?
How to find the cheapest Kia car insurance quotes
Insurance costs for popular Kia models
What factors affect Kia car insurance rates?
How can I lower the cost of my Kia car insurance?
FAQs
Methodology
Meet Our Experts

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How much does Kia car insurance cost?

Honda

Toyota

, and

Hyundai

may be the first names that come to mind when the conversation turns to imported cars, but Kia is a star on the rise. The oldest Korean automaker and fifth-largest vehicle company in the world started as a bicycle manufacturer. Today, it’s known for creating affordable cars with near-premium quality.

Kia vehicle drivers pay an average of $1,188 per year for car insurance, but you can save money by following a few

cheap car insurance

hacks. However, average rates are not a good indicator of what your own policy might cost. The only way to truly understand how much your car insurance will cost is to compare car insurance quotes for your own driver profile.

Jerry does the work for you. We compare

car insurance quotes

from multiple insurance companies to find the best deal.

How to find the cheapest Kia car insurance quotes

Thousands of satisfied new customers gave Jerry a five-star rating for saving them an average of $2,336 per year. Even better, we saved them the time and hassle of making phone calls, signing paperwork, and comparing quotes. Join the thousands of Kia drivers that Jerry helped to save money by signing up in just a few minutes.

Jerry helped 54837 real Kia car owners find free car insurance quotes. Check out the table below for some examples.

Date	Car	Insurance Company	Premium (monthly)	Customer Details	Insurance coverage
September 13, 2024	KIA Spectra EX	Nationwide	$119	Blake, 35 Columbia, SC	• 50,000/100,000 Liability • Comp / Collision
September 12, 2024	KIA Optima LX	AAA	$208	Sam, 34 Marlboro, NJ	• 25,000/50,000 Liability • Comp / Collision
September 8, 2024	KIA Forte FE	Gainsco	$120	Lettie, 41 Blakely, GA	• State Minimum Liability
September 8, 2024	KIA RIO EX	Allstate	$139	Francis, 25 Juneau, AK	• State Minimum Liability • Comp / Collision
September 6, 2024	KIA RIO LX	Infinity	$135	Barbara, 56 Palm Coast, FL	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 13, 2024

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Best car insurance companies for Kia drivers

When

shopping for auto insurance

, the biggest challenge is finding the right insurance provider for you.

Notice that we didn’t say the cheapest—because there is no single, cheapest insurance company for every driver, no matter what social media tells you. We conducted one of the largest shopping surveys in the nation and found the best insurance company depends on your driving record, address, insurance history, age, and many other factors.

Here’s what Kia owners had to say about the top insurance companies in the country, from

Allstate

State Farm

Insurance Company	Overall Rating	Price	Claims Experience	Customer Service
Safeco	4.6	4.4	4	4.5
Travelers	4.5	4.2	4.4	4.5
Progressive	4.3	3.9	3.9	4.3
AAA	4.2	4	3.8	4.4
Allstate	4.2	3.6	3.8	4.2
USAA	4	3.5	4.5	4.2
State Farm	4	3.4	3.8	4.2
Farmers	4	3.4	4.1	3.9
Geico	3.9	3.3	3.9	4
Liberty Mutual	3.7	3.2	3.5	3.7

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Insurance costs for popular Kia models

By sales, the five most popular Kia car models of 2022 are the Sportage, Forte, Telluride, Sorento, and K5 (formerly the Optima).

But sales figures can’t tell us which of these car models is the cheapest to insure. For that, you’ll have to look at:

The availability of car parts: Unique or rare parts, such as supercharged engine components, increase repair and insurance costs.

The cost of repairs: Insurance companies offer lower premiums to cars with cheap repair costs because, well, they’re often responsible for paying them.

The engine size: Larger engines cost more to repair and so are more expensive to insure.

The MSRP: Expensive trims and fancy features cost more to insure because they cost more to repair and replace.

The safety rating: The better a vehicle’s crash and safety ratings, the lower your insurance rates.

The vehicle size and class: Full-size SUVs and sedans cost more to insure than compact models, but less than sports cars and EVs.

The type of coverage you choose for your car insurance policy also decides your annual premiums.

(Most) state laws require

liability insurance

, which is often the cheapest to buy, especially if you stick to the

minimum coverage limits required

. It covers the cost of mending any damages you cause while driving and includes both

bodily injury liability

and

property damage liability

insurance.

To cover the cost of repairing or replacing your own car, you’ll need to buy

full coverage car insurance

. Because you can use it even if you were in an at-fault accident, it tends to cost more. A full coverage policy typically includes

collision coverage

, which applies to impacts with cars and other objects, and

comprehensive coverage

, which applies to damages resulting from vandalism, car thefts, and the weather.

Here’s a comparison between the cost of car insurance for a Kia with liability coverage versus full coverage:

Car	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Kia Forte	$108	$197
Kia Optima	$105	$201
Kia Soul	$95	$168
Kia Sorento	$95	$171
Kia Sportage	$88	$160
Kia Rio	$95	$190
Kia K5	$122	$221

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Sean S.

| Verified Jerry Customer

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Kia Sportage insurance costs

The Kia Sportage crossover may be compact, but it became a sales juggernaut after its redesign. The Sportage stands out in a crowded segment thanks to its roomy interior, large cargo area, and technology. As the car model approaches its 30th birthday, it only seems to be getting better and better.

On average,

Kia Sportage insurance costs

$88 per month for state minimum coverage and $166 per month for full coverage.

The 2024 Kia Sportage comes with a generous suite of standard driver-assistance technology, including:

Driver attention warnings

Forward collision mitigation

Lane departure warnings

Lane-keeping assistance

Parking sensors

Higher trims come with valuable enhanced driver aids and quality-of-life features but the engine stays the same: a 2.5L four-cylinder engine.

Here are the highlights of all seven of the 2023 Kia Sportage’s trim levels—click the links to learn more about their insurance costs:

The

Sportage LX

($26,290) includes LED taillights, LED headlights (with automatic high beams), an 8-inch touchscreen (with Apple CarPlay and Android Auto), and six speakers.

The

Sportage EX

($28,290) adds simulated leather upholstery, a 12.3-inch touchscreen, a remote start function, and dual-zone automatic climate control. On the safety side, you get Safe Exit Assist and blindspot monitoring with rear cross-traffic alerts.

The

Sportage X-Line

($31,090) takes all-wheel-drive, a higher ground clearance, a center-locking differential, and roof rails to rugged roads.

The

Sportage SX

($31,790) builds on the EX with a hands-free liftgate, panoramic sunroof, and premium sound system. Adaptive cruise control, highway driving assistance, and forward collision detection with automatic braking provide great value.

The

Sportage SX Prestige

($33,790) creates an upscale experience with premium synthetic upholstery, a heated sterling wheel, and ventilated front seats. On the practical side, you also get foglights, parking sensors, blindspot monitors, a surround-view camera system, and automatic low-speed emergency braking.

The

Sportage X-Pro

($35,290) adds the X-Line’s performance tweaks, the SX’s features, multi-terrain driving modes, all-terrain tires, and foglights.

The Sportage X-Pro Prestige ($37,090) combines the X-Pro and SX Prestige equipment for a trim with both power and luxury.

Check out the table below to see the average cost of auto insurance for some popular Kia Sportage trims.

Car Trim	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Sportage LX	$85	$154
Sportage EX	$84	$151
Sportage Base	$105	$142
Sportage SX	$117	$152
Sportage S	$89	$164

In the table below, you’ll find real quotes for real people from Jerry to better understand how your driver profile impacts your cost.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
KIA Sportage EX	Safeco	$84	Jeff, 31 Port Byron, NY	• 50,000/100,000 Liability • Comp / Collision
KIA Sportage EX	Travelers	$213	Esther, 57 Chelsea, MA	• 100,000/300,000 Liability • Comp / Collision
KIA Sportage EX	AAA	$130	Jeffery, 33 Springfield, OH	• State Minimum Liability
KIA Sportage EX	Infinity	$61	Nellie, 38 Simi Valley, CA	• State Minimum Liability
KIA Sportage LX	State Auto	$140	Jared, 66 Englewood, CO	• State Minimum Liability • Comp / Collision

Last Updated Sep 19, 2024

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Kia Forte insurance costs

Driving character isn’t the Kia Forte’s, uh, specialty, but it’s hard not to like a small sedan that works so hard for your money. The price tag is attractive, as are its valuable driver assistance features. The 2023 Forte includes forward collision mitigation, lane-departure warnings, lane-keeping assistance, and driver attention warnings.

On average,

Kia Forte insurance costs

$108 per month for state minimum coverage and $197 per month for full coverage.

You have a choice of four trims for the 2024 Kia Forte. Click the links for a rundown of their insurance costs.

The

Forte LX

($19,960) starts strong with a 2.0L four-cylinder engine, cruise control, and an 8.0-inch touchscreen with wireless Apple CarPlay and Android Auto.

The Forte LXS ($20,190) adds a higher-quality interior and folding rear seats. Special mention goes to the LXS Technology Package, which adds blindspot warnings, Safe Exit Assist, and heated side mirrors.

The

Forte GT-Line

($21,890) comes with LED foglights, dual-zone climate control, sports seats, and two extra speakers (for a total of six).

The

Forte GT

($24,390) upgrades to a turbocharged 1.6L four-cylinder engine with two transmission options: a seven-speed dual-clutch automatic or a six-speed manual. Better suspension, LED headlights, and synthetic leather seats make this the sporty trim.

Check out the table below to see the average cost of auto insurance for some popular Kia Forte trims.

Car Trim	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Forte EX	$106	$197
Forte FE	$109	$205
Forte LX	$100	$189
Forte SX	$111	$190
Forte GT Line	$114	$205

In the table below, you’ll find real quotes for real people from Jerry to better understand how your driver profile impacts your cost.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
KIA Forte EX	Progressive	$225	Polly, 45 Stone Mountain, GA	• State Minimum Liability
KIA Forte LX	Mercury	$214	Luella, 51 Riverdale, GA	• 50,000/100,000 Liability • Comp / Collision
KIA Forte FE	Plymouth Rock	$112	Inez, 63 Berlin, CT	• 100,000/300,000 Liability • Comp / Collision
KIA Forte LX	State Auto	$121	Rachel, 32 Keyser, WV	• State Minimum Liability
KIA Forte LX	Infinity	$190	Derrick, 40 Hampton, GA	• State Minimum Liability

Last Updated Sep 13, 2024

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Kia Telluride insurance costs

The stylish Kia Telluride might be the flashiest ride in the lineup but it doesn’t lack substance. Appearing at the top of both Edmunds and Car & Driver’s Year’s Best lists, the Telluride balances style, comfort, and great features. We expect (and hope) that it’ll stick around for many years.

A 3.8L V6 engine, an eight-speed automatic transmission, and front-wheel drive are standard for every 2023 Kia Telluride. Its driver aids include adaptive cruise control, blindspot warnings, forward collision mitigation, and lane-keeping assistance. We expect no less from Kia.

Check out what each trim of the 2024 Kia Telluride includes (and how much insurance costs—just click the links):

The Telluride LX ($35,890) comes with LED headlights, dual-zone automatic climate control, simulated leather upholstery, and a 12.3-inch touchscreen with Apple CarPlay and Android Auto.

The Telluride S ($37,790) adds a sunroof, roof rails, heated front seats, and second-row captain’s chairs.

The Telluride EX ($41,490) focuses on comfort with a hands-free liftgate, leather upholstery, ventilated seats, and sound-absorbing front-row windows.

The Telluride SX ($45,690) luxuriates in dual sunroofs, a 12.3-inch digital instrument cluster, and a 10-speaker Harman Kardon audio system. You also get blindspot cameras, a surround-view camera system, better highway assistance, and enhanced forward collision mitigation.

The top-of-the-line Telluride SX Prestige ($50,590) includes premium leather upholstery, a windshield-mounted heads-up display, and ventilated second-row seats.

Check out the table below to see the average cost of auto insurance for some popular Kia Telluride trims.

In the table below, you’ll find real quotes for real people from Jerry to better understand how your driver profile impacts your cost.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
KIA Forte EX	Progressive	$225	Polly, 45 Stone Mountain, GA	• State Minimum Liability
KIA K5 GT Line	Safeco	$108	Eunice, 39 Knox, IN	• 50,000/100,000 Liability • Comp / Collision
KIA Niro LX	AAA	$150	Bill, 37 East Windsor, NJ	• 100,000/300,000 Liability • Comp / Collision
KIA Optima LX	Bristol West	$138	Pauline, 28 Sandersville, GA	• State Minimum Liability
KIA Forte EX	Clearcover	$150	Henrietta, 28 Phoenix, AZ	• State Minimum Liability • Comp / Collision

Last Updated Sep 19, 2024

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Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

Great services, cheapest and best value policies.

Harsh

Have been so amazing! The prices are great glad jerry for this for me.

Savannah

I had Mercury on my last car and I absolutely loved it!

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Was easy to switch and was very affordable

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Kia Sorento insurance costs

The Kia Sorento is one of the few small SUVs with third-row seating and a sensible approach to technology. The standard list includes lane-keeping assistance, blindspot warnings, forward collision warnings, and automatic braking. Two gasoline engines, a hybrid, and a plug-in hybrid powertrain give this little crossover broad appeal.

On average,

Kia Sorento's insurance costs

$95 per month for state minimum insurance coverage and $171 per month for full coverage.

The 2024 Kia Sorento has five trim levels. Check out their features (and insurance costs) below:

The

Sorento LX

($30,090) starts with a 2.5L four-cylinder standard engine, a six-speaker audio system, and an 8-inch infotainment touchscreen with Apple CarPlay and Android Auto.

The

Sorento S

($32,590) includes dual-zone climate controls, synthetic leather upholstery, a 10.25-inch infotainment touchscreen, and rear parking sensors.

The

Sorento EX

($35,990) turbocharges the engine and adds a hands-free liftgate, adaptive cruise control, enhanced forward collision mitigation, and lane-centering assistance.

The

Sorento SX

($38,890) comes with a panoramic sunroof, a digital instrument panel, and 20-inch wheels.

The Sorento SX Prestige ($43,490) makes all-wheel-drive, leather upholstery, and ventilated front seats standard. You also get a 12-speaker Bose audio, a 360-degree camera, and a blindspot camera system.

Check out the table below to see the average cost of auto insurance for some popular Kia Sorento trims.

Car Trim	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Sorento LX	$97	$178
Sorento EX	$94	$164
Sorento L	$90	$176
Sorento SX	$89	$170
Sorento Base	$95	$154

In the table below, you’ll find real quotes for real people from Jerry to better understand how your driver profile impacts your cost.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
KIA Sorento LX	Safeco	$259	Marvin, 55 Elkton, MD	• 50,000/100,000 Liability • Comp / Collision
KIA Sorento LX	AAA	$123	Rose, 47 Upper Darby, PA	• 100,000/300,000 Liability • Comp / Collision
KIA Sorento LX	Travelers	$69	Jacob, 51 Easthampton, MA	• State Minimum Liability • Comp / Collision
KIA Sorento EX	Nationwide	$261	Troy, 42 Marion, AR	• 100,000/300,000 Liability • Comp / Collision
KIA Sorento L	Infinity	$418	Olga, 46 Deland, FL	• State Minimum Liability • Comp / Collision

Last Updated Sep 17, 2024

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Kia K5 insurance costs

The Kia K5 replaced the Kia Optima in 2021. A new name was the least of its changes: the redesigned cabin, stylish exterior, and long list of features put this midsize family sedan on every buyer’s list. Thankfully, the K5 kept the Optima’s modest price point.

On average, Kia K5 insurance costs $122 per month for state minimum insurance coverage and $221 per year for full coverage.

The K5 has a beefy list of driver-assistance aids, including:

Forward collision warnings with automatic braking

Lane-keeping assistance

Driver attention warnings

Rear cross-traffic alerts

Safe Exit Assist

Blindspot warnings

Automatic high beams

Little wonder that the 2023 K5 is an IIHS

Top Safety Pick+

With so much value upfront, the 2023 K5's four trims focus on vanity and comfort. If you’re curious about their insurance costs, click the links to learn more.

The

K5 LXS

($25,290) comes with a turbocharged 1.6L four-cylinder engine and an eight-speed automatic transmission. LED headlights, dual-zone automatic climate control, and an 8.0-inch touchscreen with Apple CarPlay and Android Auto complete the package.

The

K5 GT-Line

($26,690) includes LED foglights and taillights, a sporty black exterior, and a 10.25-inch touchscreen with integrated navigation.

The

K5 EX

($29,190) adds a panoramic sunroof, rear parking sensors, and heated and ventilated front seats.

The

K5 GT

($31,690) tops the line with a turbocharged 2.5L four-cylinder engine, 19-inch wheels, upgraded brakes, better suspension, and sports seats.

Check out the table below to see the average cost of auto insurance for some popular Kia K5 trims.

In the table below, you’ll find real quotes for real people from Jerry to better understand how your driver profile impacts your cost.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
KIA Kia_k5	Travelers	$47	Nannie, 40 Vermillion, SD	• 50,000/100,000 Liability
KIA Kia_k5	Safeco	$84	Henrietta, 35 Salina, KS	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 19, 2024

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Are Kias more expensive to insure?

Compared to the average cost of other cars, Kias cost 4% more to insure.

Car Make	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Buick	$86	$172
Saturn	$88	$150
Volkswagen	$93	$176
KIA	$99	$182
Hyundai	$101	$186

Cheapest Kia to insure

The cheapest Kia to insure is the 2019 Kia Niro, with an average monthly premium of $31 for state minimum coverage and an average of $140 for full coverage.

Car Make	Average Monthly State Minimum Insurance Cost	Average Monthly Full Coverage Insurance Cost
2019 Kia Niro	$84	$142
2023 Kia Telluride	$84	$142
2017 Kia Niro	$84	$167
2011 Kia Sedona	$84	$142
2020 Kia Sportage	$84	$163

Most expensive Kias to insure

The most expensive Kia model to insure is the 2010 Kia Rondo, with an average monthly premium of $167 for state minimum coverage and an average of $177 for full coverage.

Car Make	Average Monthly State Minimum Insurance Cost	Average Monthly Full Coverage Insurance Cost
2010 Kia Rondo	$155	$177
2022 Kia K5	$144	$207
2017 Kia Cadenza	$143	$180
2016 Kia Sedona	$140	$175
2022 Kia Stinger	$139	$234

What factors affect Kia car insurance rates?

Your motor vehicle is just one factor in

calculating your car insurance

. The formula also includes:

The cost of your vehicle: The owners of exotic, luxury, and high-performance sports cars pay more for collision, comprehensive, and other coverage options.

The age of your vehicle: New cars cost more to insure because they cost more to repair, featuring more sophisticated technology and materials.

The cost of parts: The cheapest parts often belong to the most popular models and model years because they’re mass-produced and readily available.

Your age: Teen drivers pay the highest insurance rates until they turn 25. After that, your rates probably won’t go up again until you turn 75.

Your driving history and insurance and theft claims record: If you’re a safe driver, you’ll find lower rates with nearly every provider.

Your parking spot: You'll pay more if your zip code has high accident or car theft rates.

Here are a few specific factors that impact auto insurance rates for Kia:

Imports: Kia vehicles are imported, which makes parts, repair, replacement, and insurance costs higher.

Safety: Many of Kia’s car models achieve

Top Safety Pick

awards if not Top Safety Pick+. Most have a four-star rating from the NHTSA, except for the excellent K5.

Reliability: Consumer Reports ranks Kia among the top ten most reliable car brands.

Availability: Due to Kia's popularity, parts tend to be cheaper and more accessible.

Kia insurance cost for young drivers

A collision and comprehensive policy can help to fix most mistakes caused by inexperience. The problem is that teens often pay the highest insurance rates of any age group. Rather than purchasing completely new insurance policies, try adding young drivers to existing ones—and compare lots of quotes to find

cheap car insurance for teens

Progressive

Jonathan (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Evansville, IN

KIA Sportage LX

$67

per month

Allstate

Maria (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Littleton, CO

KIA Sorento SX

$226

per month

Travelers

Marcus (23 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Fremont, OH

KIA Optima LX

$148

per month

Plymouth Rock

Vernon (23 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Morrisville, PA

KIA Forte FE

$261

per month

Clearcover

Josephine (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Roscoe, TX

KIA K5 GT Line

$279

per month

Kia insurance cost for senior drivers

While older drivers have plenty of experience and drive less frequently than commuters, they can also suffer from vision, hearing, and reflex losses. The

best seniors’ car insurance

helps counter the increase in insurance rates by providing discounts for safe driving habits.

Progressive

Gilbert (68 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Jonesboro, GA

KIA Sportage

$142

per month

Allstate

Henry (67 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Americus, GA

KIA Cadenza Premium

$309

per month

Mercury

Stella (69 years old)

Coverage

State Minimum

Carrollton, TX

KIA Sorento LX

$114

per month

Infinity

Scott (77 years old)

Coverage

State Minimum

Humble, TX

KIA Sorento SX

$263

per month

Gainsco

Janie (67 years old)

Coverage

State Minimum

Lamar, MS

KIA Forte EX

$282

per month

Kia insurance cost for drivers with driving violations

Keeping a clean driving record will help you get the best insurance rates for your Kia. You may have seen an increase in your premiums if you committed any of the following violations within the last three to five years:

Speeding tickets

DUIs

At-fault accidents

License suspensions or revocations

Reckless driving

However, even high-risk drivers can find affordable rates if they know where to look.

MORE:

Tips to help you get a clean driving record

Cheapest car insurance for Kia drivers with speeding ticket

Speeding tickets can stay on your record for up to a decade. Whether it’s due to a single ticket for a serious speeding violation or multiple tickets for minor infractions, that’s a long time to pay high insurance premiums!

You can bring them back down by looking for the best rates with Jerry. Here are some of the best deals Kia drivers found after receiving a speeding ticket.

MORE:

How do I lower my car insurance after a speeding ticket?

Speeding Type	Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
Speeding 1-5	KIA Forte FE	AAA	$258	Lenora, 25 Moore, OK	• State Minimum Liability • Comp / Collision
Speeding 6-10	KIA Soul LX	Nationwide	$135	Inez, 59 Portland, OR	• State Minimum Liability • Comp / Collision
Speeding 11-15	KIA Forte FE	Safeco	$99	Millie, 29 Indianapolis, IN	• 50,000/100,000 Liability
Speeding 16-20	KIA Optima EX	Allstate	$100	Francis, 32 Manassas, VA	• 100,000/300,000 Liability • Comp / Collision
Speeding 21+	KIA Optima LX	National General	$303	Christopher, 28 Atlanta, GA	• State Minimum Liability

Last Updated Sep 17, 2024

Cheapest car insurance for Kia drivers with a DUI record

DUI conviction

can have a significant impact on the car insurance quotes you find. Some providers charge high-risk drivers high rates, while others are willing to give them a second chance. Using a car insurance quote comparison app can help you find more of the latter.

Progressive

Adelaide (42 years old)

DUI

Coverage

State Minimum

Centennial, CO

KIA Sportage LX

$318

per month

Safeco

Jesse (42 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Burlington, NC

KIA Forte LX

$216

per month

AAA

Isabella (32 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Disputanta, VA

KIA Sorento

$156

per month

Allstate

Derrick (56 years old)

DUI

Coverage

30,000 per person

85,000 per accident bodily injury

Comp / Collision

Winder, GA

KIA Sportage LX

$119

per month

Travelers

Jeanette (44 years old)

DUI

Coverage

State Minimum

Roy, UT

KIA Optima LX

$174

per month

Cheapest car insurance for Kia drivers after an accident

A history of at-fault accidents and insurance claims makes car insurance companies nervous, which leads to high rates. Jerry can help bring your premiums back down by showing you the best deals in your area in just a few taps. Kia drivers with several at-fault accidents on record found savings with these providers:

MORE:

How can I remove an accident from my driving record?

Accident type	Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage
At Fault With Injury	KIA K5 LXS	Progressive	$194	Gerald, 43 Houston, TX	• 50,000/100,000 Liability • Comp / Collision
At Fault With No Injury	KIA Spectra EX	Nationwide	$119	Blake, 35 Columbia, SC	• 50,000/100,000 Liability • Comp / Collision
At Fault With Injury	KIA Stinger GT2	Travelers	$158	Jeffrey, 33 Stryker, OH	• 100,000/300,000 Liability • Comp / Collision
Not At Fault	KIA Sorento L	Infinity	$418	Cory, 46 Deland, FL	• State Minimum Liability • Comp / Collision
At Fault With No Injury	KIA Soul LX	Mercury	$268	Mabel, 36 Ringgold, GA	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 17, 2024

Cheapest car insurance for Kia drivers with other driving violations on their record

Reckless driving, driver’s license suspensions, and driver’s license revocations can also take their toll on your insurance premiums. While you’re working on

getting your license reinstated

, take a look around for better deals with other insurance providers. Jerry can help you find savings in less than a few minutes.

Violation	Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Illegal Turn	KIA Optima EX	Progressive	$107	Delia, 51 Wilmington, DE	• State Minimum Liability
Defective Equipment	KIA Optima LX	Safeco	$135	Victoria, 32 Burke, VA	• 30,000/60,000 Liability • Comp / Collision
Failure to Obey Signal	KIA Sorento EX	Travelers	$278	Vincent, 30 South Saint Paul, MN	• 100,000/300,000 Liability • Comp / Collision
Wrong Way/Wrong Lane	KIA Sportage S	AAA	$146	Melvin, 33 Zanesville, OH	• State Minimum Liability • Comp / Collision
Cell Phone	KIA RIO LX	Bristol West	$294	Janie, 37 Tacoma, WA	• State Minimum Liability
Careless Driving	KIA Forte LX	National General	$549	Elva, 38 Fort Lauderdale, FL	• No Coverage Liability • Comp / Collision
Driving on Sus. License	KIA Forte SX	Allstate	$132	Andrew, 34 East Greenville, PA	• State Minimum Liability • Comp / Collision
Failure to Obey Signal	KIA Optima EX	Plymouth Rock	$425	Anthony, 48 Jamaica, NY	• State Minimum Liability
Seat Belt	KIA Sportage EX	Progressive	$90	Jesse, 27 Mansfield, OH	• State Minimum Liability
Improper Passing	KIA Sorento	Safeco	$81	Lena, 44 Altoona, PA	• 50,000/100,000 Liability • Comp / Collision

Last Updated Sep 19, 2024

How can I lower the cost of my Kia car insurance?

You might have found a great deal, but who can say no to cheaper car insurance? Here are some tips from Jerry's team of expert insurance agents:

Bundle insurance policies: If you purchase a

car and home insurance bundle

from the same company, you'll get a discount on both policies.

Choose a cheaper model year: When shopping for a Kia, look for a model that's compact, easy to repair, and stuffed with safety features. You can also save a few bucks each month by buying used (either from a dealership or a private seller).

Install a telematics device: Telematics devices track your driving habits; drive cautiously and you could earn a

car insurance discount

Install a

vehicle anti-theft device

: An enhanced alarm system or engine immobilizer could lower your insurance rates.

Reduce your coverage: As a general rule of thumb, your car should be worth more than ten times the cost of your premiums. If it’s not, it might be time to

drop full coverage

Raise your deductible:

Choosing the best car insurance deductible

involves balancing how much you can afford to pay upfront against how much you’d like to save year by year.

Shop around: You can't know if you're getting the best deal unless you shop around! You can get dirt-cheap car insurance by comparing quotes from at least three different insurance companies.

MORE:

10 essential car insurance hacks (and how much they could save you) in 2023

FAQs

Is Kia Soul expensive to insure?

On average, the Kia Soul costs less to insure than the national average. The Kia Soul costs an average of $95 per month for state minimum coverage and an average of $165 per month for full coverage.

Why are Kias so expensive to insure?

Kias can be expensive to insure because they—and all their parts—are imported. Imported car models and components add a price premium for transportation and taxes, pushing up repair and replacement costs, as well as insurance premiums.

What do Kias cost to insure, on average?

Insurance for the average Kia costs $99 per month for state minimum coverage and $182 per month for full coverage. Compared to the national average, Kias are 4% more expensive to insure.

What’s the cheapest Kia model to insure?

The cheapest Kia to insure is the 2019 Kia Niro, with an average monthly premium of $31 for state minimum coverage and an average of $140 for full coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.