Kia Auto Insurance (2024)
Kia auto insurance averages $138/mo, but rates vary when you compare Kia insurance quotes by model. For example, Kia Sportage insurance costs $128/mo, while Kia K900 insurance averages $161. This review will help you find the best Kia auto insurance coverage and rates for you and your budget.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive Kia model to insure on average is the luxury Kia K900
- The cheapest Kia model to insure on average is the minivan Kia Sedona
- Rates for your Kia will vary depending on your driving record, age, and Kia model
If you’re looking for cheap auto insurance for your Kia, you probably want to know the average rates to find the best Kia car insurance price possible. While there are several factors that affect auto insurance rates, such as your driving record, the model of Kia you own impacts your Kia insurance rates, with more expensive Kias costing more to insure than cheaper models.
This review covers everything you need to know about Kia auto insurance, including different Kia auto insurance types, prices, and how to file an auto insurance claim for your Kia.
Kia Auto Insurance Coverage Types
No matter what type of Kia you drive, you must carry liability auto insurance coverage. Liability insurance pays for other parties’ medical and property damage bills if you cause an accident. If you have a lease or loan, your lender will also require you to carry comprehensive or collision car insurance for Kia vehicles.
Even if you don’t need these coverages, they’re good to have unless your Kia is old and no longer worth much. Read more here about auto insurance for older cars.
Collision auto insurance pays for your Kia’s repairs if you crash into another vehicle or object, such as a fence. Comprehensive auto insurance pays for your Kia’s repairs if you crash into an animal or your Kia gets damaged by vandals, weather, or falling objects.
In addition to these coverages, there are a few other insurance coverages that your car insurance company may offer for your Kia vehicle, and your state may legally require some of them:
- Medical payments: Medical payments helps pay for your medical bills if you are injured in an accident and may be required in your state.
- Personal injury protection: Personal injury protection (PIP) auto insurance pays for your medical bills and lost wages if you get injured in an accident. Your state may require PIP coverage.
- Rental car reimbursement: Rental car reimbursement pays for your rental car if your Kia is in the shop for an extended period after a covered accident.
- Roadside assistance: Roadside assistance covers quick fixes or tows and is useful if your Kia frequently breaks down.
- Underinsured motorist insurance: This coverage pays for your accident bills if the driver who hit you doesn’t have enough insurance. Your state may require underinsured motorist insurance coverage.
- Uninsured motorist insurance: Uninsured motorist insurance coverage pays for your accident bills if an uninsured driver hits you. Your state may require uninsured motorist insurance coverage.
The Kia auto insurance coverages you carry beyond the state minimum auto insurance requirements are up to you. However, we recommend full coverage auto insurance for most drivers, including liability, collision, and comprehensive insurance. In the next section, you can understand how much full coverage and a minimum liability insurance policy costs for Kias.
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Comparing Kia Auto Insurance Average Rates
You should always compare Kia insurance quotes by model since rates vary by your chosen Kia model and driving record. Expensive models will cost more to insure than cheaper Kia models, as insurance companies must pay more for repairs in a covered Kia car insurance claim.
Take a look at the table below to compare Kia insurance quotes by model:
Kia Auto Insurance Average Rates by Model and Coverage Type
| Kia Model | Monthly Comprehensive Rates | Monthly Collision Rates | Monthly Liability Rates | Monthly Full Coverage Rates |
|---|---|---|---|---|
| 2023 Kia Sportage | $28 | $47 | $37 | $128 |
| 2023 Kia Soul | $31 | $50 | $37 | $134 |
| 2023 Kia Sorento | $32 | $56 | $37 | $141 |
| 2023 Kia Sedona | $27 | $44 | $35 | $120 |
| 2023 Kia Rio | $24 | $49 | $47 | $138 |
| 2023 Kia Optima | $32 | $53 | $42 | $145 |
| 2023 Kia Niro | $27 | $47 | $42 | $131 |
| 2023 Kia K900 | $37 | $67 | $42 | $161 |
| 2023 Kia Forte | $32 | $50 | $37 | $135 |
| 2023 Kia Cadenza | $31 | $55 | $42 | $143 |
A Kia K900 has the most expensive average rates for a full coverage policy, while Kia Sedona auto insurance is some of the cheapest on average. The difference between these two models is that a Kia K900 is a luxury car, whereas the Kia Sedona is a minivan. Luxury cars see higher insurance rates, but you can always find the best auto insurance for luxury cars by comparing quotes from various companies.
Of course, your age and driving record will also impact the cost of Kia car insurance.
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Auto insurance for teens is always more expensive than Kia auto insurance rates for adult drivers since young drivers have less driving experience and are more likely to file a Kia car insurance claim. The best way to reduce your Kia insurance rates as a young driver is to keep a clean driving record, as any accidents or tickets will raise your rates.
How to Save on Kia Auto Insurance Rates
If you want to reduce your auto insurance rates for your Kia, there are a few things you can try:
- Get auto insurance quotes. Compare quotes from different Kia auto insurance companies to get the best Kia car insurance rates. Learn more about how to find free auto insurance quotes.
- Look for discounts. You may not be taking advantage of all the auto insurance discounts available at your insurance company. So, check if you qualify for any Kia auto insurance discounts, such as a defensive driver discount.
- Raise your deductible. You can raise your auto insurance deductible to lower your Kia auto insurance rates, but make sure it’s an amount you can pay out of pocket after an accident.
- Reduce coverages. You could drop certain Kia auto insurance coverage, like full coverage, if you have an older Kia that isn’t worth much. The less coverage you have, the lower your Kia car insurance price. Learn more about auto insurance for older cars.
As well, the cleaner your driving record, the cheaper your Kia insurance cost will be. Drivers with clean driving records are less risky to insure, so insurance companies reward these drivers with lower rates.
Finding Cheap Kia Auto Insurance Rates
Kia auto insurance rates depend on your driving record and what model you own, but rates for a Kia shouldn’t be expensive. If your rates are more than you would like them to be, you can shop around for the best Kia car insurance quotes, raise your deductible, and apply for discounts.
If you want to begin comparing Kia car insurance quotes, use our free quote comparison tool. It will compare rates from companies in your area to help you find the best deal on auto insurance for your Kia.
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Frequently Asked Questions
Why is Kia insurance high?
Kia auto insurance costs $138 monthly for full coverage on average. However, rates depend on your driving record, location, Kia model, and age. So, compare Kia insurance quotes by model and other factors to find the best deal for you.
What Kia models are not being insured?
Due to Kia insurance issues related to theft vulnerability, State Farm and Progressive auto insurance temporarily halted new applications earlier this year “in some states for select model years and trim levels of Hyundai and Kia vehicles,” according to USA Today.
Does Kia sell insurance?
Kia doesn’t sell auto insurance, so there is no Kia insurance company. However, Kia does sell protection plans for Kia owners. These protection plans cover repairs or replacement for a number of part breakdowns with Kias, roadside assistance, and more.
Which auto insurance company has the cheapest Kia insurance?
The cheapest Kia auto insurance company depends on your driving record, coverage needs, and more. However, some companies that tend to be cheaper for most drivers include USAA, State Farm, and Geico auto insurance.
Are there any limitations or exclusions for Kia windshield replacement insurance coverage?
Specific limitations or exclusions can vary depending on the terms of your Kia insurance policy. Common limitations may include deductibles, coverage limits, or restrictions on the number of Kia insurance claims filed within a specific time period.
Review your policy documents or contact your insurance company to understand the details of your windshield replacement coverage.
How much does it cost to insure a 2023 Kia Sportage?
Kia Sportage auto insurance costs $128/mo, about $10 less than the overall Kia insurance average price.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.