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.
On average, Kia car insurance costs an average of $2,280 a year or $190 monthly, based on CarInsurance.com’s rate analysis. Your exact rates may vary based on the Kia model you drive, model year, your age, driving history and the insurance company you choose.
- The annual average nationwide cost of full coverage car insurance for Kia is $2,280 per year.
- The Sportage 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 |
|---|---|---|---|
| State Farm | $1,942 | $971 | $162 |
| Nationwide | $1,993 | $997 | $166 |
| Geico | $2,000 | $1,000 | $167 |
| Progressive | $2,016 | $1,008 | $168 |
| Farmers | $2,788 | $1,394 | $232 |
| Allstate | $3,019 | $1,510 | $252 |
Kia average insurance rates, by model
Kia Sportage car insurance cost
Car insurance cost for a Kia Sportage is $172 per month or $2,069 a year, based on CarInsurance.com’s rate analysis. Geico offers the most affordable car insurance rates for a Kia Sportage at an average monthly cost of $140 or $1,680 yearly.
Kia Seltos car insurance cost
The average monthly car insurance premium for a Kia Seltos is $174 or $2,094 annually. Progressive is the most affordable company for a Kia Seltos owner, offering insurance at a monthly rate of just $145 or $1,740 per year.
Kia Niro Hybrid car insurance cost
The average car insurance premium for Kia Niro Hybrid is $177 per month, which translates to $2,128 per year. The most affordable company for a Kia Niro Hybrid is Geico with a rate of $142 monthly or $1,699 per year.
Kia Soul car insurance cost
The monthly car insurance cost for a Kia Soul is $181, which translates to $2,176 annually. State Farm tops the list of the most affordable car insurance companies, with an average cost of $1,772 a year or $148 per month.
Kia Sportage Hybrid car insurance cost
The average monthly car insurance premium for a Kia Sportage Hybrid is $185, which totals $2,218 annually. Progressive offers the cheapest rate at $137 per month or $1,644 annually.
Kia Niro EV car insurance cost
The average car insurance premium for Kia Niro EV is $187 per month, which translates to $2,239 per year. The most affordable company for a Kia Niro EV is Geico with a rate of $144 monthly or $1,730 per year.
Insurance rates by car model
The average cost of car insurance for a Kia, by driver age
Your age is an important rating factor in determining your Kia car insurance premiums. Young drivers often pay the highest car insurance rates because of their inexperience behind the wheel. On the other hand, adult drivers pay affordable premiums for the same coverage.
In 2020, the Insurance Information Institute reported that young drivers represented only 5.1% of licensed drivers but were involved in 8.5% of fatal crashes. This data clearly shows that young drivers are more frequently involved in accidents, resulting in increased claims. Their tendency to engage in riskier driving behaviors compared to older drivers further contributes to the higher insurance rates.
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 | $8,359 | $4,180 | $697 |
| 18 | Kia EV6 | $10,767 | $5,384 | $897 |
| 18 | Kia EV9 | $11,068 | $5,534 | $922 |
| 18 | Kia Forte | $8,859 | $4,430 | $738 |
| 18 | Kia K5 | $9,615 | $4,808 | $801 |
| 18 | Kia Niro EV | $8,247 | $4,124 | $687 |
| 18 | Kia Niro Hybrid | $7,883 | $3,941 | $657 |
| 18 | Kia Seltos | $7,617 | $3,808 | $635 |
| 18 | Kia Sorento | $8,221 | $4,110 | $685 |
| 18 | Kia Sorento Hybrid | $8,804 | $4,402 | $734 |
| 18 | Kia Soul | $7,949 | $3,975 | $662 |
| 18 | Kia Sportage | $7,602 | $3,801 | $633 |
| 18 | Kia Sportage Hybrid | $8,049 | $4,025 | $671 |
| 18 | Kia Telluride | $8,495 | $4,247 | $708 |
Cost to insure a Kia, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Kia Carnival | $2,318 | $1,159 | $193 |
| 40 | Kia EV6 | $2,850 | $1,425 | $238 |
| 40 | Kia EV9 | $3,064 | $1,532 | $255 |
| 40 | Kia Forte | $2,347 | $1,173 | $196 |
| 40 | Kia K5 | $2,595 | $1,298 | $216 |
| 40 | Kia Niro EV | $2,239 | $1,120 | $187 |
| 40 | Kia Niro Hybrid | $2,128 | $1,064 | $177 |
| 40 | Kia Seltos | $2,094 | $1,047 | $174 |
| 40 | Kia Sorento | $2,271 | $1,136 | $189 |
| 40 | Kia Sorento Hybrid | $2,407 | $1,204 | $201 |
| 40 | Kia Soul | $2,176 | $1,088 | $181 |
| 40 | Kia Sportage | $2,069 | $1,035 | $172 |
| 40 | Kia Sportage Hybrid | $2,218 | $1,109 | $185 |
| 40 | Kia Telluride | $2,367 | $1,184 | $197 |
Kia car insurance rates by state
When it comes to insuring your Kia, your location can greatly affect your premiums. Rates vary significantly across states due to traffic conditions, accident rates, theft/vandalism, weather incidents and state laws. Below, you’ll find Kia car insurance for all the states in the U.S.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,108 | $1,054 | $176 |
| Alabama | $2,032 | $1,016 | $169 |
| Arkansas | $2,374 | $1,187 | $198 |
| Arizona | $2,162 | $1,081 | $180 |
| California | $2,897 | $1,449 | $241 |
| Colorado | $2,930 | $1,465 | $244 |
| Connecticut | $2,376 | $1,188 | $198 |
| Washington, D.C. | $2,730 | $1,365 | $228 |
| Delaware | $2,346 | $1,173 | $195 |
| Florida | $2,905 | $1,452 | $242 |
| Georgia | $2,953 | $1,476 | $246 |
| Hawaii | $1,470 | $735 | $123 |
| Iowa | $2,000 | $1,000 | $167 |
| Idaho | $1,433 | $717 | $119 |
| Illinois | $2,210 | $1,105 | $184 |
| Indiana | $1,958 | $979 | $163 |
| Kansas | $2,458 | $1,229 | $205 |
| Kentucky | $2,901 | $1,451 | $242 |
| Louisiana | $3,747 | $1,873 | $312 |
| Massachusetts | $2,045 | $1,022 | $170 |
| Maryland | $2,141 | $1,071 | $178 |
| Maine | $1,471 | $736 | $123 |
| Michigan | $2,923 | $1,461 | $244 |
| Minnesota | $2,460 | $1,230 | $205 |
| Missouri | $2,852 | $1,426 | $238 |
| Mississippi | $2,240 | $1,120 | $187 |
| Montana | $2,384 | $1,192 | $199 |
| North Carolina | $2,078 | $1,039 | $173 |
| North Dakota | $1,945 | $972 | $162 |
| Nebraska | $2,379 | $1,190 | $198 |
| New Hampshire | $1,676 | $838 | $140 |
| New Jersey | $2,157 | $1,078 | $180 |
| New Mexico | $2,325 | $1,162 | $194 |
| Nevada | $2,274 | $1,137 | $189 |
| New York | $1,746 | $873 | $146 |
| Ohio | $1,555 | $777 | $130 |
| Oklahoma | $2,400 | $1,200 | $200 |
| Oregon | $2,122 | $1,061 | $177 |
| Pennsylvania | $2,555 | $1,277 | $213 |
| Rhode Island | $2,761 | $1,380 | $230 |
| South Carolina | $2,170 | $1,085 | $181 |
| South Dakota | $2,657 | $1,329 | $221 |
| Tennessee | $2,572 | $1,286 | $214 |
| Texas | $3,038 | $1,519 | $253 |
| Utah | $1,830 | $915 | $153 |
| Virginia | $1,653 | $827 | $138 |
| Vermont | $1,557 | $778 | $130 |
| Washington | $2,007 | $1,003 | $167 |
| Wisconsin | $1,772 | $886 | $148 |
| West Virginia | $2,095 | $1,047 | $175 |
| Wyoming | $2,479 | $1,239 | $207 |
Average car insurance cost for different vehicle makes
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When it comes to affordable Kia car insurance, it’s best to stick to vehicles that are designed with families in mind. These vehicles are typically loaded with advanced safety features, have smaller engines and are usually driven by parents who have kids in the car, so they tend to drive more carefully, which results in fewer accidents.
Airbags, backup cameras, automatic emergency braking and lane departure warning are all safety features that will help keep your insurance premium low. As in years past, minivans and compact to midsize SUVs topped our list of cheapest cars to insure this year.
Pickups and commercial vans often come with lower insurance rates than sedans and other types of vehicles. This is partly because they are cheaper to repair and don’t have any expensive electric and safety components, leading to cheaper insurance rates.
Cheapest Kia models to insure
Smaller, budget-friendly Kia models with low-power engines are more affordable to insure than upscale or sporty versions. Entry-level base models have lower car insurance rates, but premiums increase as you move up 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.
Discounts can be related to the vehicle you drive or your personal factors. Insurance companies often offer reduced premiums for vehicles equipped with advanced safety features such as automated emergency braking, lane departure warnings and driver alertness monitors.
In addition, you may be able to save a bit of coin by having an anti-theft device installed or driving a brand-new car as some insurers offer a new car discount.
Discounts related to your personal factors can include major discounts such as being a good driver or a good student (if you have a teen on 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 Kia auto insurance.
How does a car’s make affect car insurance rates?
Kia car insurance rates depend on the model you select. They offer a diverse range of vehicles and insurance costs vary with each type.
Smaller SUVs and minivans generally have the lowest insurance costs, while luxury models and sporty sedans are more expensive to insure. Pickup trucks are often cheaper on the insurance spectrum-unless you go for luxury trims.
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.
When comparing car insurance quotes, make sure to compare quotes thoroughly for different types of vehicles. For instance, insuring a luxury sedan generally costs more than insuring a minivan or mid-size SUV. To make an informed decision, be sure to compare quotes for the same vehicle type and coverage levels.
This same approach is essential when comparing vehicles from different brands. A luxury German sedan, like a BMW or Mercedes, typically incurs higher insurance costs compared to a minivan or compact car from a different brand. Always make sure you’re comparing similar vehicle types and trim levels when considering 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 makes a variety of different models and the cost to insure them will vary based on a number of factors. Choosing entry-level vehicles with a low starting price, smaller engine under the hood and plenty of safety features will help keep your premium affordable while more luxury and sporty models will push up 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 record is important in determining your Kia’s insurance premium. Generally, a clean driving history results in lower rates, while incidents such as accidents, speeding violations, or DUI charges can significantly raise your premium.
Does the color of my Kia affect the insurance premium?
The color of your Kia does not influence your insurance premium. Insurance companies determine rates based on factors such as the model, age, safety features and driving history, but vehicle color has no impact on the cost.
How does the age of my Kia affect insurance costs?
The age of your Kia can affect your insurance costs. Generally, older models may come with lower premiums due to depreciation, although they might lack modern safety features, which can lead to slightly higher rates. In contrast, newer models typically have higher premiums because they are more costly to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed July 2025.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed July 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates for different makes and models. The rates are based on sample profiles of 18 and 40-year-old male drivers carrying full coverage policy with limits of 100/300/100 and a $500 collision and comprehensive deductible.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies across the nation.
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