If you’re in the market for a new vehicle, you must factor the cost of car insurance into your car budget. Interested in how much car insurance for a Kia costs? Here’s what you need to know.
According to CarInsurance.com’s rate analysis, the average annual cost for Kia car insurance is $2,727 or $227 per month. Remember that your specific rates may vary depending on the Kia model you choose, the model year, your age, your driving history and the insurer.
- The annual average nationwide cost of full coverage car insurance for Kia is $2,727 per year.
- The Seltos is the cheapest Kia model to insure.
- Advanced safety features that come standard on Kia models help lower your insurance costs.
Average cost of car insurance for a Kia, by company
Car insurance premiums can vary widely based on the make of your vehicle. Insurance companies have their own methods for calculating the risk and the probability of claim filing. They consider various factors, including your driving history, location, age and the type of vehicle you own, to determine your auto insurance rates.
Below, you’ll find Kia car insurance rates from various insurance companies.
Cost to insure a Kia, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Travelers | $1,897 | $949 | $158 |
| GEICO | $2,255 | $1,128 | $188 |
| State Farm | $2,364 | $1,182 | $197 |
| Nationwide | $2,488 | $1,244 | $207 |
| Progressive | $2,505 | $1,253 | $209 |
| Allstate | $3,402 | $1,701 | $283 |
| Farmers | $3,470 | $1,735 | $289 |
| USAA | $1,988 | $994 | $166 |
Kia average insurance rates, by model
Kia Seltos car insurance cost
Car insurance cost for a Kia Seltos is $205 per month or $2,457 a year, based on CarInsurance.com’s rate analysis. Travelers offers the most affordable car insurance rates for a Kia Seltos at an average monthly cost of $153 or $1,835 yearly.
Kia Soul car insurance cost
The average car insurance premium for Kia Soul is $208 per month, which translates to $2,491 per year. The most affordable company for a Kia Soul is Travelers with a rate of $156 monthly or $1,870 per year.
Kia Sportage car insurance cost
The average car insurance premium for Kia Sportage is $210 per month, which translates to $2,523 per year. The most affordable company for a Kia Sportage is Travelers with a rate of $155 monthly or $1,863 per year.
Kia Niro Hybrid car insurance cost
Car insurance costs an average of $213 per month, which adds up to $2,560 a year for a Kia Niro Hybrid. Among the companies analyzed, Travelers stands out as the most affordable option, at an average annual cost of $1,844 or $154 per month.
Kia Niro EV car insurance cost
The average monthly car insurance premium for a Kia Niro EV is $221 , which totals $2,654 annually. Travelers offers the cheapest rate at $154 per month or $1,845 annually.
Kia Sportage Hybrid car insurance cost
The average car insurance premium for Kia Sportage Hybrid is $223 per month, which translates to $2,673 per year. The most affordable company for a Kia Sportage Hybrid is Travelers with a rate of $150 monthly or $1,801 per year.
Insurance rates by car model
The average cost of car insurance for a Kia, by age
The cost of Kia car insurance can vary based on your age. Generally, young drivers face significantly higher premiums compared to those with more driving experience.
According to a study by the Insurance Information Institute, in 2020, young drivers represented just 5.1% of all licensed drivers but were involved in 8.5% of fatal crashes. This data highlights that young drivers are more frequently involved in accidents, leading to increased claims.
Additionally, teens tend to engage in riskier driving behavior compared to older drivers, contributing to higher insurance costs.
Car insurance costs generally decrease as drivers gain more experience and avoid getting tickets and filing claims. However, when drivers turn 60, insurance rates tend to rise again. The tables below show Kia insurance costs based on the driver’s age.
Cost to insure a Kia, by model, for 18-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 18 | Kia Carnival | $8,550 | $4,275 | $712 |
| 18 | Kia Carnival Hybrid | $9,477 | $4,739 | $790 |
| 18 | Kia EV6 | $10,106 | $5,053 | $842 |
| 18 | Kia EV9 | $10,730 | $5,365 | $894 |
| 18 | Kia K4 | $12,847 | $6,424 | $1,071 |
| 18 | Kia K5 | $10,385 | $5,192 | $865 |
| 18 | Kia Niro EV | $8,532 | $4,266 | $711 |
| 18 | Kia Niro Hybrid | $8,224 | $4,112 | $685 |
| 18 | Kia Seltos | $7,900 | $3,950 | $658 |
| 18 | Kia Sorento | $8,964 | $4,482 | $747 |
| 18 | Kia Sorento Hybrid | $9,057 | $4,528 | $755 |
| 18 | Kia Soul | $8,039 | $4,019 | $670 |
| 18 | Kia Sportage | $8,109 | $4,054 | $676 |
| 18 | Kia Sportage Hybrid | $8,574 | $4,287 | $714 |
| 18 | Kia Telluride | $8,604 | $4,302 | $717 |
Cost to insure a Kia, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Kia Carnival | $2,686 | $1,343 | $224 |
| 40 | Kia Carnival Hybrid | $2,956 | $1,478 | $246 |
| 40 | Kia EV6 | $3,078 | $1,539 | $257 |
| 40 | Kia EV9 | $3,331 | $1,666 | $278 |
| 40 | Kia K4 | $4,017 | $2,008 | $335 |
| 40 | Kia K5 | $3,192 | $1,596 | $266 |
| 40 | Kia Niro EV | $2,654 | $1,327 | $221 |
| 40 | Kia Niro Hybrid | $2,560 | $1,280 | $213 |
| 40 | Kia Seltos | $2,457 | $1,228 | $205 |
| 40 | Kia Sorento | $2,801 | $1,401 | $233 |
| 40 | Kia Sorento Hybrid | $2,815 | $1,408 | $235 |
| 40 | Kia Soul | $2,491 | $1,245 | $208 |
| 40 | Kia Sportage | $2,523 | $1,262 | $210 |
| 40 | Kia Sportage Hybrid | $2,673 | $1,337 | $223 |
| 40 | Kia Telluride | $2,708 | $1,354 | $226 |
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Kia car insurance rates by state
Your location significantly impacts your Kia car insurance premiums. Insurance rates vary widely from state to state due to factors like traffic density, accident statistics, theft/vandalism, weather events and state laws. Below, you’ll find Kia car insurance rates by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,491 | $1,245 | $208 |
| Alabama | $2,287 | $1,143 | $191 |
| Arkansas | $3,108 | $1,554 | $259 |
| Arizona | $2,809 | $1,404 | $234 |
| California | $3,386 | $1,693 | $282 |
| Colorado | $3,232 | $1,616 | $269 |
| Connecticut | $3,112 | $1,556 | $259 |
| Washington, D.C. | $3,478 | $1,739 | $290 |
| Delaware | $3,110 | $1,555 | $259 |
| Florida | $3,426 | $1,713 | $286 |
| Georgia | $2,882 | $1,441 | $240 |
| Hawaii | $1,623 | $811 | $135 |
| Iowa | $2,362 | $1,181 | $197 |
| Idaho | $1,756 | $878 | $146 |
| Illinois | $2,246 | $1,123 | $187 |
| Indiana | $1,826 | $913 | $152 |
| Kansas | $2,611 | $1,305 | $218 |
| Kentucky | $3,139 | $1,569 | $262 |
| Louisiana | $4,672 | $2,336 | $389 |
| Massachusetts | $2,189 | $1,095 | $182 |
| Maryland | $2,883 | $1,442 | $240 |
| Maine | $1,653 | $826 | $138 |
| Michigan | $3,873 | $1,937 | $323 |
| Minnesota | $2,550 | $1,275 | $212 |
| Missouri | $2,598 | $1,299 | $217 |
| Mississippi | $2,933 | $1,467 | $244 |
| Montana | $2,531 | $1,265 | $211 |
| North Carolina | $2,440 | $1,220 | $203 |
| North Dakota | $2,174 | $1,087 | $181 |
| Nebraska | $2,742 | $1,371 | $229 |
| New Hampshire | $1,774 | $887 | $148 |
| New Jersey | $3,140 | $1,570 | $262 |
| New Mexico | $2,693 | $1,346 | $224 |
| Nevada | $3,690 | $1,845 | $308 |
| New York | $3,106 | $1,553 | $259 |
| Ohio | $1,776 | $888 | $148 |
| Oklahoma | $3,006 | $1,503 | $250 |
| Oregon | $2,324 | $1,162 | $194 |
| Pennsylvania | $2,650 | $1,325 | $221 |
| Rhode Island | $2,896 | $1,448 | $241 |
| South Carolina | $3,197 | $1,598 | $266 |
| South Dakota | $2,935 | $1,468 | $245 |
| Tennessee | $2,368 | $1,184 | $197 |
| Texas | $3,098 | $1,549 | $258 |
| Utah | $2,115 | $1,058 | $176 |
| Virginia | $2,188 | $1,094 | $182 |
| Vermont | $1,715 | $858 | $143 |
| Washington | $2,247 | $1,124 | $187 |
| Wisconsin | $2,624 | $1,312 | $219 |
| West Virginia | $2,368 | $1,184 | $197 |
| Wyoming | $2,093 | $1,046 | $174 |
Average car insurance cost for different vehicle makes
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If you’re looking for affordable Kia car insurance, it’s wise to choose vehicles designed with families in mind, such as small SUVs. These cars typically come equipped with advanced safety features, have smaller engines and are often driven by parents with children onboard. As a result, drivers tend to be more cautious, leading to fewer accidents.
Safety features such as airbags, backup cameras, automatic emergency braking and lane departure warnings help to get affordable car insurance premiums. As in years past, minivans and small to midsize SUVs continue to rank among the most affordable vehicles to insure.
Pickups and commercial vans usually cost less to insure than sedans and other vehicles. This is because they aren’t equipped with costly electrical and safety components, making them less expensive to repair.
Cheapest Kia models to insure
Opting for smaller, less costly Kia models with modest engines can result in lower insurance costs than choosing sportier or upscale models. Base versions tend to be the most affordable to insure, but premiums increase as you upgrade to higher-level trims.
Family-friendly models equipped with various safety features can help keep your insurance premiums affordable. Advanced safety technologies like automatic emergency braking, backup cameras and blind spot detection often qualify for discounts.
“If you are a younger driver, you will probably pay more for auto insurance, so you may need to consider practicality versus style,” says Lauren McKenzie, senior agent with A Plus Insurance. “If you are younger and choose a fast, luxurious sports car, your monthly insurance payments could end up being more than your monthly auto loan payments.”
Most expensive Kia models to insure
Luxury vehicles, sports cars, and SUVs generally rank as the most expensive types of vehicles for car insurance. Luxury vehicles and sports cars often attract higher insurance rates because they are more likely to be stolen and cost more to repair or replace. On the other hand, SUVs, especially larger ones, can lead to higher premiums due to their potential to cause more damage in an accident.
If you’re looking to cut down on your insurance costs, it’s best to avoid these types of vehicles:
- EVs: The high cost of the large batteries in electric vehicles (EVs) can lead to higher insurance premiums. Since battery packs can be as expensive as $20,000 to replace, insurers include this risk when calculating your rate.
- Luxury and sports cars: Luxury and sports cars represent a higher risk due to their hefty purchase prices. These vehicles are built for speed and are equipped with advanced tech features, making repairs or replacements costly. As a result, insurance for these cars tends to be more expensive.
- Favorites of thieves: Insurance companies closely monitor vehicle theft statistics. If your car is popular among thieves, your insurance premiums will be higher. The National Insurance Crime Bureau (NICB) annually publishes a list of the most stolen vehicles. Choosing a car not on this list can help you maintain lower insurance costs.
How to save on car insurance for a Kia
“Shop around for quotes from multiple insurers. Also, investigate group auto insurance that may be available from your employer,” says Brian Martucci, finance editor for Minneapolis-based Money Crashers.
Additionally, drop insurance coverage you don’t need, especially if you want to purchase an older vehicle model.
“You can shift money from one type of coverage to additional coverage on the uninsured motorist property damage coverage, for example. This way, so long as you are not the one at fault in an accident, your vehicle will be covered, and you will save a lot of money on car insurance,” McKenzie says.
Before committing to a vehicle, estimate your car insurance costs and shop for the best value. Compare quotes from different insurance companies carefully.
“If your car insurance payments are still on the higher end, consider choosing a higher deductible, such as $1,000 instead of a $500 deductible – which will lower your premium,” McKenzie says. “Also, consider leaving off additional coverages like rental reimbursement or roadside assistance, which may save you money, too.”
Kia discounts on car insurance
You can take advantage of all the available discounts to lower your Kia car insurance costs. Insurance companies offer various discounts that can significantly reduce your premiums.
You might be eligible for discounts related to your vehicle or personal factors. Insurance companies typically reduce rates for vehicles equipped with advanced safety features such as automated emergency braking, lane departure warning systems and driver alertness monitors.
In addition, installing an anti-theft system or purchasing a new car might lower your premiums since some insurance companies offer new car insurance discounts. Personal factors can also lead to significant savings, such as discounts for good drivers or good students if you have a teen added to your policy.
“You may also qualify for a low-mileage discount by driving less and by bundling multiple policies, like home and auto, with the same carrier,” Martucci says.
Learn about common car insurance discounts for an overview of the most common savings for Honda auto insurance.
How does a car’s make affect car insurance rates?
Curious about Kia insurance premiums? The insurance rates vary based on the specific model you choose. Since Kia manufactures various vehicles, the insurance premiums differ accordingly.
Smaller SUVs and minivans are among the least expensive vehicles to insure, while luxury models and sporty sedans come with higher insurance costs. Pickup trucks generally fall on the more affordable side of insurance rates-unless you opt for luxury trim levels.
Insurers collect reams of statistical data, and the numbers show that vehicles that are popular with families (think SUVs and minivans) are in fewer accidents and file fewer claims than drivers of sedans and sports cars which is one reason they are cheaper to insure. Luxury vehicles and sports cars are also bursting with expensive trim materials and technology that pushes up the cost of repairs and insurance.
Remember to compare apples to apples when it comes to insurance quotes for different vehicle types. A luxury sedan will always cost more to insure than a minivan or mid-size SUV, so when comparing insurance quotes, be sure to compare the same vehicle types and coverage limits.
This advice also applies when comparing vehicles from different manufacturers. A luxury German sedan, like a BMW or Mercedes, will generally cost more to insure than a minivan or compact vehicle from another brand. Therefore, always compare similar vehicle types and trim levels when shopping for a new vehicle or insurance policy.
Check out car insurance rates by model: Compare rates for over 3,000 models
About the company: Kia
Kia Motors Corporation, founded in 1944, is South Korea’s second-largest automobile manufacturer, distinguished by its commitment to quality and innovative design. Known worldwide for its diverse lineup of vehicles, Kia offers a comprehensive range that caters to varying consumer needs, from compact cars to SUVs. The brand’s vehicles are known for their cutting-edge technology, fuel efficiency and safety features.
Final thoughts on Kia insurance costs
Kia offers a diverse range of vehicle models, and the cost to insure them varies based on several factors. Opting for entry-level vehicles with a lower starting price, a smaller engine and plenty of safety features can help keep your insurance premiums affordable. On the other hand, selecting luxury or sporty models may increase the cost of coverage.
You can reduce your insurance costs by regularly comparing coverage options, inquiring about available discounts and choosing the highest deductible.
Frequently asked questions
Does my driving record impact how much I pay to insure my Kia?
Your driving history is one of the many factors affecting your Kia car insurance premiums. Maintaining a clean record typically results in lower premiums, but if you’ve had accidents, speeding infractions, or DUI convictions, you may face significantly higher rates.
Does the color of my Kia affect the insurance premium?
The color of your Kia does not impact your insurance premium. Insurers calculate rates based on factors such as the vehicle’s model, age, safety features and driving record.
How does the age of my Kia affect insurance costs?
Your Kia’s age can affect your insurance costs. Older models often benefit from lower premiums because they depreciate in value, but they lack the latest safety features and it may lead to a slight increase in rates. On the other hand, newer models tend to have higher premiums, as they are more expensive to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed March 2026.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed March 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 18 and 40-year-old male drivers carrying full coverage policies with limits of 100/300/100 and 0 collision and comprehensive deductibles. Read the detailed methodology for more information.
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