Best Car Insurance for Kia 2022

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Car Insurance for Kia

On average, Kia drivers pay $1,810 each year for car insurance. But depending on the model you have, your insurance rates could vary. A Spectra GS costs $950 more more per year to insure than a Rio S.
Initially founded in the 1940s, Kia is one of the best-selling South Korean automotive manufacturers, second only to its parent company Hyundai. They prioritize making their vehicles using high-quality materials while maintaining an affordable price point. Kia is a great option for drivers looking for a car with smooth rideability and overall reliability.
If you do decide on a Kia, you’ll need to be sure you have the correct car insurance.
If you want to save money on car insurance, the Jerry app is a good place to start. A licensed broker, Jerry does all the hard work of finding cheap quotes from the top name-brand insurance companies and buying new car insurance. Jerry will even help you cancel your old policy.
Here are some real quotes from Jerry customers who saved money when insuring their Kia.
Quote DateCarLocationZip CodeNameAgeCarrier
Before Jerry
After Jerry
April 28, 2022Kia Spectra LXGreensboro, NC27407Hannah R.28National General$300/mo.$70/mo.
April 26, 2022Kia K5 GT LineColumbus, OH43217Lina G.25Progressive$300/mo.$87/mo.
April 26, 2022Kia Optima LXRidgecrest, LA71334Arthur L.26Progressive$219/mo.$98/mo.
April 29, 2022Kia Optima EXMckeesport, PA15132Chester C.40State Auto$166/mo.$110/mo.
April 25, 2022Kia Forte FEAlpharetta, GA30005Dylan H.26National General$282/mo.$117/mo.
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Insurance for Kia models

While they may all have the same make, insurance premiums for Kias can vary substantially based on the car’s age and model.

Insurance for Kia based on the year of the car

A brand new car is always exciting, but it won’t help you save on your insurance. Due to depreciation, insurance rates actually tend to be lower for older cars.
According to Edmunds, a new car loses 23.5% of its value in the first year of ownership, and 60% of its value in the first five years. The lower your car’s value, the less it costs to repair or replace it if you’re forced to make a claim.
Drivers of newer cars are more likely to lease or loan their vehicles, necessitating the purchase of full-coverage insurance. You’ll always pay more for complete coverage than the state’s mandatory minimum insurance requirement.
According to Jerry’s internal data, the cheapest years for Kias are 1995 and 2000.
The most expensive years for Kias are 2022 and 2018.
Year
Average Cost
Annual Savings with Jerry
2022$3,099$845Compare Prices
2021$3,116$900Compare Prices
2020$2,984$832Compare Prices
2019$3,075$915Compare Prices
2018$3,155$925Compare Prices
2017$2,981$865Compare Prices
2016$2,996$916Compare Prices
2015$2,937$928Compare Prices
2014$2,936$925Compare Prices
2013$2,981$1,022Compare Prices
2012$2,751$972Compare Prices
2011$2,536$861Compare Prices
2010$2,375$774Compare Prices
2009$2,252$702Compare Prices
2008$2,410$786Compare Prices
2007$2,198$722Compare Prices
2006$2,110$766Compare Prices
2005$2,295$839Compare Prices
2004$2,318$867Compare Prices
2003$2,178$689Compare Prices
2002$2,380$629Compare Prices
2001$1,834$523Compare Prices
2000$1,061$62Compare Prices
1995$876$132Compare Prices
Key Takeaway Older Kias are less expensive to fix or replace than modern models, and because they are not leased or financed, they’ll have reduced insurance prices.
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Insurance for different models of Kia

Believe it or not, the type of Kia you own can make a pretty big difference in your insurance rate. This is because different models have different repair and replacement costs.
In general, more expensive cars require bigger payouts from insurers—which means bigger insurance premiums for you.
A midsize SUV like the Telluride, for example, will cost more to insure than a subcompact sedan like the Rio. This is due to its higher starting price, larger size, and steeper repair costs.
If you want to learn more about car insurance costs for some of the most popular Kia models, check out the links below.
Key Takeaway Your insurance prices are influenced by the model of your vehicle. Insurance normally costs more when a car is more costly.
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Full coverage vs. minimum coverage for your Kia

Before hitting the road, most states require you to have minimum liability coverage. If you are at fault in an accident, liability insurance covers the costs for other drivers.
Minimum coverages typically include:
Coverage typeProtection offered
Bodily injury liability (per person and accident)Pays for the costs associated with the injuries you’ve caused to others
Property damage liability (per accident)Pays for the costs associated with the damage you cause to other people’s vehicles or property
Some states also require uninsured or underinsured motorist protection to cover damages if you’re involved in an accident with an uninsured or underinsured driver.
Your state may also require personal injury protection (PIP) to pay for your medical expenses—especially if you live in a **no-fault state.
While they are the bare minimum, it’s always a good idea to carry more coverage than your state requires if you can afford it. Full coverage insurance will ensure you’re covered in the event of large medical bills or substantial vehicle damage.
Full coverage insurance typically includes:
Coverage typeProtection offered
Collision coverageCovers the costs associated with collisions with another vehicle or object
Comprehensive coverageCovers costs of damages from an event other than a collision, like a weather event, theft, or vandalism.
The average annual insurance premium for a Kia is $1,630 per year for minimum car insurance and $2,344 for full-coverage insurance. When you consider all makes and models, the average insurance premium in the US is $1,626 per year for minimum car insurance and $2,298 for full-coverage insurance.
Here’s what it costs to insure a Kia with minimum coverage and full coverage before and after switching with Jerry.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Kia$2,481$1,701$2,245$1,353$2,605$2,044
Kia
All Coverage Before Jerry
$2,481
All Coverage After Jerry
$1,701
Minimum Coverage Before Jerry
$2,245
Minimum Coverage After Jerry
$1,353
Full Coverage Before Jerry
$2,605
Full Coverage After Jerry
$2,044
A more costly car, as with most manufacturers, will be more expensive to insure. Insurance prices for Kias are comparable to, if not lower than, similar brands such as its parent company Hyundai.
If you’re comparing the prices of insurance for similar cars, here are the insurance costs for other brands:
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What impacts your insurance costs for Kia

While certain basic insurance prices are dictated by the car’s model, age, and type of insurance, insurance companies will also take into account your unique demographics and other factors when calculating your rates.

The model of Kia you drive

Most models come in a variety of trim levels—various variants of the same model with different features. A higher trim might lead to higher insurance costs.
For example, here’s what insurance you might want to consider for a Kia Sedona.
TrimFeaturesRecommended coverageReason for coverage
Sedona LXStandard features for the base trim are 17-inch alloy wheels, automatic headlights, 7-inch touchscreen, and a six-speaker audio system.Towing and Labor coverageTowing and labor coverage will protect you if your Sedona ever breaks down on the road.
Sedona SXLThe most luxe trim available for the Sedona—with selectable drive modes, a heated steering wheel, and eight-speaker audio system.[Sound system coverage] (https://getjerry.com/car-insurance/sound-system-insurance)With the availability for system upgrades, sound system coverage will protect you if your updated audio equipment gets stolen.

Your insurance company

Each insurance company has its own formula to determine premiums. That means that even if you’re looking for the same coverage from various carriers, you’ll likely end up with a wide range of quotes.
To find the best policy and premium, you’ll probably want to compare quotes from multiple insurers.
Almost every insurance company now offers online quotes, which means you can go to their website, fill out a form, and obtain an estimate. However, if you’ve done this before, you know how tedious and time-consuming it can be.
To make sure you’re getting the right coverage for the best price, make sure to comparison shop with Jerry.
Jerry is a personal insurance broker that lives in your pocket. But don’t worry about buying tiny office furniture, Jerry is an app!
Once you download Jerry, just answer a handful of questions that will take you roughly 45 seconds to complete and you’ll immediately get car insurance quotes for coverage similar to your current plan.
Jerry customers save an average of $879 a year. Here’s what Kia drivers paid for car insurance before and after switching with Jerry:
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Your age

Your age is one of the primary factors insurers use when setting your insurance premiums.
Younger drivers are more prone to accidents and tend to pay more for insurance. Older drivers with more experience, on the other hand, should have lower premiums as they aren’t as much of a high-risk driver.

Your driving record

When determining prices, insurance companies also consider traffic offenses.
You may see a modest rise in your insurance cost if you have a minor speeding ticket or failure to stop on your record. The most serious violations, including a DUI and reckless driving, have a considerably greater impact on your rates and can stay on your record for years.
Fortunately, your premiums are likely to lower if you improve your driving practices and keep a clean driving record in the future.
Here are some common insurance premiums for Kia drivers with previous infractions:
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Where you live

Your location might have a big influence on your insurance cost since various places have varied accident rates, crime rates, and natural catastrophe incidences. Kia premiums can even differ significantly between cities within the same state.
It all boils down to how much risk your insurance provider is willing to assume by covering your car. You should anticipate spending extra on your policy if your city has a lot of car thefts, wrecks, or extreme weather occurrences.
According to our data, there is a high percentage of Kia drivers in cities including Houston (TX), Atlanta (GA), Phoenix (AZ), Philadelphia (PA) and Austin (TX). The cheapest car insurance for Kia for Jerry users is in Eufaula (OK) and North-Olmsted (OH). The most expensive car insurance for Kia for Jerry users is in Gaston (SC) and Freeport (NY).
Jerry can help you locate the cheapest rates on vehicle insurance regardless of where you live, your demographics, or the Kia model you drive.
Jerry is the quickest and most efficient method to find personalized car insurance coverage. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and will even help you cancel your old policy.

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