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The average cost of car insurance for Kia Spectra Ex owners is $2,393 a year. However, exact rates vary from model to model: for instance, the Forte costs $212 more per year to insure than the Sedona Ex Premium.
Kia Spectra Ex car insurance cost
One of the primary determining factors for your Kia Spectra Ex insurance rate is the age of your vehicle. Here's how much it costs to insure your Spectra Ex by car year:
| Model year | Average Cost | Annual Savings with Jerry |
|---|---|---|
| 2009 | $2,322 | $685 |
| 2008 | $2,742 | $1,019 |
| 2007 | $2,095 | $690 |
If you drive a Kia Spectra Ex , you can expect your insurance costs to vary depending on trim level, upgrades, and the coverage level you select. Here's how your insurance cost compares to other similar cars:
Best car insurance companies for your Kia Spectra Ex
If you drive a Kia, you probably put a high value on the things Kia does best: reliability, practicality, and quality that stands the test of time.
Take a look at the table below to see the options different insurance companies offer for Kia Spectra Ex drivers.
| Insurance company | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Commonwealth Insurance | $2,447 | $1,180 |
| Plymouth Rock | $2,664 | $1,132 |
| State Auto | $2,264 | $865 |
| Progressive | $2,176 | $771 |
| Clearcover | $2,102 | $728 |
| Dairyland | $2,053 | $713 |
| Kemper | $2,170 | $696 |
| Gainsco | $1,924 | $666 |
| Infinity | $1,736 | $657 |
| Mapfre | $960 | $188 |
Compare car insurance quotes for Kia Spectra Ex
But with all the different insurance companies and coverage options out there, how do you find the right insurance? With support from Jerry’s insurance experts, switching policies is close to effortless—with no unwanted phone calls, no duplicate paperwork, and no long wait times.
See for yourself what real Jerry customers saved by shopping for Kia insurance in the app!
| Quote Date | Zip Code | State | City | Name | Age | Insurance Company | Before Jerry | After Jerry |
|---|---|---|---|---|---|---|---|---|
| June 27, 2022 | 06106 | CT | Hartford | Benjamin D. | 45 | Progressive | $2,880 | $2,762 |
| May 1, 2022 | 36530 | AL | Elberta | Clara H. | 41 | Assurance America | $2,508 | $840 |
| April 23, 2022 | 29605 | SC | Greenville | Amelia M. | 91 | State Auto | $1,872 | $1,085 |
| October 13, 2021 | 85281 | AZ | Tempe | Sophia T. | 28 | Progressive | $1,920 | $1,437 |
| April 15, 2020 | 64123 | MO | Kansas City | Steven J. | 25 | Progressive | $1,634 | $1,092 |
Best car insurance companies for Kia Spectra Ex drivers with bad driving records
Look—Jerry knows you’re not a bad driver. In fact, our research shows that nearly 50% of U.S. drivers would rate themselves as “great,” and over half of Americans believe they’re the best driver in their immediate family.
But, well, stuff happens. And when that stuff hits the fan—whether it’s that speeding ticket you got while you were vibing to Beyonce’s new single or the DUI you picked up after that night of bad decisions in college—insurance companies are likely to raise your rates and even label you a “high-risk driver." Take a look at the table below to see how Jerry customers with previous infractions adjusted their rates
| Driving Violation | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Clean Record | $2,164 | $759 |
| Speeding over 15 | $3,767 | $1,237 |
| Failure to Obey Traffic Sign | $3,570 | $1,138 |
| Driving on Sus. License | $1,870 | $598 |
| Speeding under 15 | $1,776 | $415 |
| Improper Passing | $2,498 | $411 |
| Other | $2,547 | $805 |
How much does Kia Spectra Ex insurance go up after a DUI?
If you get a DUI while driving your Spectra Ex, you can expect your premium to increase by an average of 65%.
How much does Kia Spectra Ex insurance go up after a speeding ticket?
We’ve all been there. If you get a speeding ticket in your Spectra Ex, your insurance premium could increase by an average of 54%.
Best Car Insurance for Kia Spectra Ex by Age
If you’re a young driver, you might feel like you need literal superpowers to find decent car insurance at a fair price. That’s because most insurance companies label drivers under age 25 as “high-risk drivers”—regardless of their actual driving record!
The logic makes sense: because young drivers are less experienced, they tend to have statistically higher accident rates. Companies hike young drivers’ premiums to account for their perceived risk, even if their records are spotless.
If you’re under 25, you could be paying as much as $0 more every month for your insurance. Below is a comparison of average rates Jerry customers saw, broken down by age.
Best Car Insurance for Kia Spectra Ex by Location
Maybe you’ve got a perfect driving record and you’ve got a decent number of years behind the wheel. But your insurance premiums are still high—why?
It’s all about risk. If you live somewhere with high rates of auto theft, traffic accidents, or severe weather, the risk to your vehicle goes up. Where you see your neighborhood, your insurance company sees a higher chance of expensive claims, and they’ll factor that into your premium.
So where can Kia Spectra Ex drivers find the lowest rates—and where can you expect higher-than-average premiums? Take a look at the breakdown below.
| Quote Date | Car | Before Jerry | After Jerry | Zip code | State | Name | Age | Insurance Company |
|---|---|---|---|---|---|---|---|---|
| May 1, 2022 | Kia Spectra EX | $209/mo. | $70/mo. | 36530 | AL | Marie C. | 41 | Assurance America |
| April 23, 2022 | Kia Spectra EX | $156/mo. | $90/mo. | 29605 | SC | Harriet B. | 91 | State Auto |
| April 15, 2020 | Kia Spectra EX | $136/mo. | $91/mo. | 64123 | MO | Jose C. | 25 | Progressive |
| October 13, 2021 | Kia Spectra EX | $160/mo. | $120/mo. | 85281 | AZ | Edith M. | 28 | Progressive |
| June 27, 2022 | Kia Spectra EX | $240/mo. | $230/mo. | 06106 | CT | Gregory M. | 45 | Progressive |
Driving a Kia Spectra Ex
The Kia Spectra was an underappreciated gem in its time—a silky smooth, high-quality sedan with enough oomph to compete with the best of them, while still practical and well-equipped for comfort. The Spectra came onto the North American market as a rebadged Sephia in 2000 and eventually faded into its successor, the Kia Forte, in 2009.The EX trim level first appeared on the Spectra lineup in 2004 as one of the top-tier trim options. Over the next five years, it descended the ladder to midrange as the options list was trimmed down to three, where it stayed for the rest of the Spectra’s short but bright career. It offered more top-of-the-line tech, including heated mirrors and power windows and doors.The Spectra EX was a work in progress in its early career that was polished to perfection by 2004, but not enough to keep it from being phased out in favor of the Forte. The spirit of the Spectra may live on in the Forte, but if you still have one, make sure you have it protected with great car insurance.
If you own a Kia Spectra Ex , here’s what you need to know about your vehicle:
- The trim level you pick at the dealership affects your insurance rate. Opting for that top-of-the-line TRD trim will cost more upfront, and it’ll add to your monthly expenses.
- Regular maintenance will keep your [model] in peak shape and help you avoid accidents that could raise your rate. Be sure to follow the recommended maintenance schedule in your owner’s manual!
- If you bought your Kia Spectra Ex new, it’s worth considering new car replacement insurance to protect your investment.
Key Takeaway: The more your Kia Spectra Ex is worth, the more you’ll pay to insure and drive it.
How can you save money on insurance for a Kia Spectra Ex?
The average annual cost to insure a model is $2,393. But who says you have to be average? Here are a few hacks to help you save money on insurance.
Compare rates
You’ve heard it before: compare, compare, compare. When it comes to finding car insurance savings, comparison shopping is the name of the game.
Here’s why it works: every insurance company uses a different algorithm to set your rate. Unless you have the ability to automatically detect the optimal algorithm for your vehicle, age, zip code, etc., the only way to find the right coverage at the best rate is to compare quotes.
Actually, there is one other way—download the Jerry app, and let Jerry handle the algorithms (and the savings!) By answering a few simple questions, you can get instant access to Jerry’s pool of over 55 top insurance companies, and you’ll see rate comparisons in as little as 45 seconds!
Drive well to save
That’s right, safe driving could literally put money back in your pocket. Not only will tickets send your rate skyrocketing, but you’ll set yourself up for discounts if you can maintain a totally clean record.
If you’re close to that perfect clean record, try out a telematics program like Jerry’s Drive Well, Earn Perks to earn instant savings for your good on-road behavior. And if you’ve already got a driving history that’s, well, less than stellar, don’t despair: Jerry can still help you find low rates and improve your driving (and it’s all on your phone!).
By R.E. Fulton
Reviewed by Kathleen Flear, Director of Content.
Kia Spectra Ex car insurance cost
Best car insurance companies for your Kia Spectra Ex
Compare car insurance quotes for Kia Spectra Ex
Best car insurance companies for Kia Spectra Ex drivers with bad driving records
Best Car Insurance for Kia Spectra Ex by Age
Best Car Insurance for Kia Spectra Ex by Location
How can you save money on insurance for a Kia Spectra Ex?
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