Lots of factors play into your insurance rates, including your demographics, driving history, and even where you live. But insurance companies all give these factors different weights when setting premiums. This means that your rates could vary significantly across carriers—even for the same coverage.
The cheapest insurer for Kia is Assurance America, with an annual premium of $1,368.
Other popular carriers for Kia include the following:
For drivers who have a safe record and are technologically savvy, Nationwide is a good option. They offer a robust online platform, mobile app, and website—all of which earns them a rating of 4.6/5 from Jerry.
With good financial strength, a wide range of coverage options, and great discounts and features, Progressive is one of the top companies out there. It’s typically a good choice for tech-savvy or higher-risk drivers. Jerry gives Progressive a rating of 4.6/5.
Kemper is geared towards insurance for high-risk drivers. It files SR22 forms for drivers who need to provide proof of coverage to the state and even insures vehicles with salvage titles that have been rebuilt after being totaled. Jerry rates Kemper a 4.3/5.
Safeco is the go-to insurance company for younger drivers. It also has a claims-free cashback program, which gives you a small refund for every six months that you remain claims-free. Thanks to these perks, Jerry rates Safeco 4.5/5.
One of the most well-known carriers in the industry, Allstate has a large network of agents and repair shops. It offers plenty of great digital features, including a rate calculator, mobile app, online bill payment, and online claim reporting. Allstate gets 4.5/5 from Jerry.
Travelers offers some great insurance add-ons, including roadside assistance, rental car reimbursement, accident forgiveness, new car coverage, and gap coverage. It also has a range of driver discounts to help lower premiums, including for safe drivers and good students. Jerry gives Travelers a 4.7/5 rating.
For safe, experienced drivers who want to get the most out of their insurance, State Auto is a good choice. It offers lots of different coverage options and allows drivers to conveniently file claims online. State Auto gets a 4.1/5 rating from Jerry
National General specializes in insurance for high-risk drivers. The company also has a claims satisfaction guarantee in most states and will waive your deductible up to $250 if you’re not happy with your claims experience. Jerry gives National General a rating of 4.1/5.
Dairyland is also a great option for drivers who are higher risk. It offers flexible payment plans, plus 24/7 live claims support in almost 40 states. Dairyland gets a rating of 4.6/5 from Jerry.
Clearcover is a clear winner for tech-savvy drivers. It has an award-winning app that lets you file a claim, pay your bill, and access proof of insurance—all while keeping communication entirely online. Jerry rates Clearcover a 4.1/5.
How to compare prices to find the most affordable coverage
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.
And in the case of insurance, cheaper isn’t always better. Make sure you’re not sacrificing coverage that you actually need to save some money. This could leave you in a difficult financial situation in the event of an incident.
To find the best policy and premium, you’ll probably want to compare quotes from at least three different insurers.
Almost every insurance company offers online quotes, so you can head to their website, fill out a form, and get your rate. But if you’ve ever done this, you know how monotonous and time-consuming it can be.
To make sure you’re getting the right coverage for the best price, 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. Oh, and we should mention… Jerry is free.
Avg. Annual Premium
Key Takeaway Using a car insurance comparison app like Jerry is the easiest and most effective way to compare quotes from multiple carriers to find the best premium for the coverage you need.
Cost of insuring a Kia
Cost of insuring with minimum coverage and full coverage
The average annual insurance premium for a Kia is $1,598 per year for minimum car insurance and $2,640 for full-coverage insurance. When you consider all makes and models, the average insurance premium in the US is $1,689 per year for minimum car insurance and $2,460 for full-coverage insurance.
While your insurance premium for your Kia will depend on the coverage you select, remember that each state has its own minimum insurance requirements that you must meet.
Here are the basic types of insurance that your state may require:
Pays for your own medical expenses after a car accident
While these are the mandatory minimums, you’re usually better off purchasing additional insurance for your Kia if you can afford it.
Even a relatively minor accident can result in thousands of dollars of damage and medical bills. If you’re at fault but don’t have enough coverage, you will be responsible for the costs out of pocket.
If you’re leasing or financing your Kia, the company may require you to purchase full-coverage insurance. You should also consider full-coverage insurance if you can’t afford to replace your car in the event of a total loss.
Your age and driving record help insurance companies determine your driving experience and accident risk level.
Younger drivers are more accident-prone and tend to pay more, while older drivers who have a lot of experience typically pay less for insurance.
Insurance companies also consider traffic violations when setting premiums. If you have a minor speeding ticket or failure to stop on your record, you may notice a small increase in your insurance rate. The most serious offenses, like driving under the influence (DUI) and careless driving, have a far more significant impact on your premiums and may remain on your record for many years.
But there’s good news! If you improve your driving habits and maintain a clean record moving forward, you’re likely to see your premiums drop.
Here’s how accidents and violations can affect car insurance costs for Kia by age group:
Key Takeaway Insurance costs for your Kia will vary depending on factors like your driving record, age, and insurance coverage needs.
Cost of insuring popular models
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.
But no matter what model you drive, Jerry can help you secure big savings on your insurance coverage.
As a licensed broker, Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies and purchasing your new car insurance. Jerry will even cancel your old policy for you.
To ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal—so you’re always getting the coverage you want at the best price. This level of service is why Jerry earned a 4.6/5 rating on the App Store and made it the top insurance app in the country.
If you want to learn more about car insurance costs for some of the most popular makes, check out the links below.
Key Takeaway Your car model affects your insurance rates. The more expensive the car, the more insurance usually costs.
Cost of insuring your Kia by year
Most and least expensive years of 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 and 60% of its value in the first five years. And the less your car is worth, the less it costs to repair or replace if you need to make a claim. For you, this means insurance savings.
Drivers with newer cars also tend to lease or finance their vehicles and therefore must have full-coverage insurance. You’ll always pay more for full coverage than for just the mandatory minimum insurance required by your state.
According to Jerry’s internal data, the cheapest years for Kia are 1995 and 2000.
The most expensive years for Kia are 2019 and 2018.
Key Takeaway Since older Kias typically cost less to repair or replace than newer ones and may not be leased or financed, they tend to have cheaper insurance rates.
Cost of insuring a Kia in your city
Since different areas have different accident rates, crime rates, and incidences of natural disasters, your location can have a significant impact on your insurance cost. Premiums for Kias can even vary widely between cities in the same state.
It all comes down to the risk that your insurance company has to take on by covering your vehicle. If your city has lots of car thefts, collisions, or severe weather events, you can expect to pay more for your coverage.
According to our data, there is a high percentage of Kia drivers in cities including Atlanta (GA), Houston (TX), Phoenix (AZ), Charlotte (NC) and Fairfax (VA).
The cheapest car insurance for Kia for Jerry users is in Elwood (IL) and Waverly (OH).
The most expensive car insurance for Kia for Jerry users is in Webb City (MO) and Newark (NJ).