Kia Insurance Quotes

Find out what it costs to insure a Kia.

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How much does Kia insurance cost?

The average monthly cost for auto insurance for Kia owners is $147 and about $1,769 a year. However, many Kia drivers can pay significantly less than this if they shop around for insurance rates.

While lots of factors go into determining your insurance rate, the make and model of the vehicle you drive is one of the biggest. Allied, Nationwide, and USAA tend to offer some of the lowest insurance costs to Kia drivers, especially on newer models.

With The Zebra, you can quickly compare Kia insurance quotes across hundreds of insurance companies to help find the best coverage for the best price, specifically for your vehicle.

Vehicle Model Average Annual Premium
Kia Cadenza $1,961
Kia Forte $1,782
Kia K900 $2,234
Kia Niro $1,674
Kia Optima $1,771
Kia Rio $1,653
Kia Sedona $1,543
Kia Sorento $1,634
Kia Soul $1,551
Kia Sportage $1,496

Kia insurance FAQs:


1. How much is insurance for a Kia?

According to our data, the average cost of insurance for a Kia is $1,769 per year. However, the actual cost of Kia car insurance varies based on factors such as the model and year of the car, the driver's age and driving record, the location of the driver, and the coverage options selected.

2. What kind of coverage do I need for my Kia?

Most states require drivers to carry liability insurance, which covers damages and injuries you may cause to others in an accident. We also typically recommend adding collision and comprehensive (full coverage) insurance. Additional options include uninsured/underinsured motorist coverage and personal injury protection. 49% of The Zebra's Kia customers opt for state liability and collision and comprehensive (full) coverage.

3. Which companies will still insure Kias?

In 2023, Progressive and State Farm announced they would increase insurance rates or stop creating new policies for certain Kia models made before 2021 and registered in certain ZIP codes as they were significantly more likely to be stolen. However, it may still be worth checking with them and other companies as you may have a model or may live in an area not affected.

Kia insurance rates by model: