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Insurance for Kia Vehicles

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: May 1, 2020

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The following table lists average insurance rates for Kia vehicles. Some additional models are shown at the end of this page

Insurance Rates for Kia Vehicles
Vehicle Model Annual Premium Monthly Premium
Kia Cadenza $1,472 $123
Kia Forte $1,352 $113
Kia K900 $1,666 $139
Kia Niro $1,338 $112
Kia Optima $1,454 $121
Kia Optima Hybrid $1,556 $130
Kia Optima Plug-In Hybrid $1,602 $134
Kia Rio $1,398 $117
Kia Rondo $1,156 $96
Kia Sedona $1,230 $103
Kia Sorento $1,414 $118
Kia Soul $1,338 $112
Kia Soul EV $1,472 $123
Kia Sportage $1,280 $107
Kia Stinger $1,618 $135
Kia Telluride $1,516 $126
Get Rates for Your Model Go

Rates assume current model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

View Chart as Image

Average insurance cost for Kia vehicles
Column chart showing average insurance prices for Kia vehicles range from $825 to $5,216 for full coverage

The above chart uses the average vehicle rating data for all Kia models shown in the table above to show how variations in coverage can affect car insurance prices.

Auto insurance rates for a Kia are quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $600 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase rates by as much as $335 extra every year

View Chart as Image

Kia insurance by deductible and liability limit

A more mature driver with a good driving record and higher deductibles may only pay around $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay at least $5,200 a year.

If you have some driving violations or you were responsible for an accident, you are probably paying $1,700 to $2,300 in extra premium each year, depending on your age. Kia insurance for high-risk drivers is expensive and can cost around 44% to 133% more than the average policy.

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Kia insurance by risk and age

The state you live in also has a big influence on Kia insurance rates. A middle-age driver might find rates as low as $930 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,890 on average in California, Montana, and Michigan.

Kia Vehicle Average Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,290 -$138 -9.7%
Alaska $1,098 -$330 -23.1%
Arizona $1,186 -$242 -16.9%
Arkansas $1,428 -$0 0.0%
California $1,628 $200 14.0%
Colorado $1,366 -$62 -4.3%
Connecticut $1,468 $40 2.8%
Delaware $1,618 $190 13.3%
Florida $1,788 $360 25.2%
Georgia $1,320 -$108 -7.6%
Hawaii $1,026 -$402 -28.2%
Idaho $968 -$460 -32.2%
Illinois $1,066 -$362 -25.4%
Indiana $1,074 -$354 -24.8%
Iowa $964 -$464 -32.5%
Kansas $1,358 -$70 -4.9%
Kentucky $1,950 $522 36.6%
Louisiana $2,116 $688 48.2%
Maine $882 -$546 -38.2%
Maryland $1,178 -$250 -17.5%
Massachusetts $1,144 -$284 -19.9%
Michigan $2,482 $1,054 73.8%
Minnesota $1,196 -$232 -16.2%
Mississippi $1,712 $284 19.9%
Missouri $1,268 -$160 -11.2%
Montana $1,534 $106 7.4%
Nebraska $1,128 -$300 -21.0%
Nevada $1,712 $284 19.9%
New Hampshire $1,030 -$398 -27.9%
New Jersey $1,596 $168 11.8%
New Mexico $1,264 -$164 -11.5%
New York $1,504 $76 5.3%
North Carolina $822 -$606 -42.4%
North Dakota $1,168 -$260 -18.2%
Ohio $986 -$442 -31.0%
Oklahoma $1,468 $40 2.8%
Oregon $1,310 -$118 -8.3%
Pennsylvania $1,364 -$64 -4.5%
Rhode Island $1,906 $478 33.5%
South Carolina $1,296 -$132 -9.2%
South Dakota $1,204 -$224 -15.7%
Tennessee $1,252 -$176 -12.3%
Texas $1,722 $294 20.6%
Utah $1,058 -$370 -25.9%
Vermont $978 -$450 -31.5%
Virginia $858 -$570 -39.9%
Washington $1,104 -$324 -22.7%
West Virginia $1,310 -$118 -8.3%
Wisconsin $990 -$438 -30.7%
Wyoming $1,274 -$154 -10.8%

Since rates can be so different, the only way to figure out who has the cheapest rates is to regularly compare rates and see how they stack up. Every auto insurance company calculates rates differently, and quoted rates may be quite different.

Additional Kia Vehicles


U.S. averages for full coverage Kia vehicle insurance

Average Policy Cost $1,428
Comprehensive Premium $336
Collision Premium $562
Liability Premium $372

National average data is compiled from all 50 U.S. states for the Kia models in the rate table on this page. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record.

Rates by Driver Age

Kia Vehicle Insurance Rates by Driver Age
Driver Age Premium
16 $5,216
20 $3,274
30 $1,496
40 $1,428
50 $1,304
60 $1,276

Full coverage, $500 deductibles

Rates by Deductible

Kia Vehicle Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,824
$250 $1,640
$500 $1,428
$1,000 $1,224

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Vehicle Insurance Rates for High Risk Drivers
Age Premium
16 $7,448
20 $5,198
30 $3,146
40 $3,074
50 $2,930
60 $2,902

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $195

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $76
Multi-vehicle $72
Homeowner $20
5-yr Accident Free $105
5-yr Claim Free $92
Paid in Full/EFT $66
Advance Quote $70
Online Quote $102
Total Discounts $603
Rate after discounts $825

Discounts are estimated and may not be available from every company or in every state.

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