Insurance for Kia Vehicles

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 27, 2024

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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 EV6 $1,586 $132
Kia EV9 $1,674 $140
Kia Forte $1,352 $113
Kia K5 $1,758 $147
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 $845 to $5,358 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 $630 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 $1,400 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 $5,300 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 43% to 129% 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 $960 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,950 on average in California, Montana, and Michigan.

Kia Vehicle Average Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,332 -$140 -9.5%
Alaska $1,132 -$340 -23.1%
Arizona $1,222 -$250 -17.0%
Arkansas $1,472 -$0 0.0%
California $1,680 $208 14.1%
Colorado $1,410 -$62 -4.2%
Connecticut $1,514 $42 2.9%
Delaware $1,668 $196 13.3%
Florida $1,844 $372 25.3%
Georgia $1,360 -$112 -7.6%
Hawaii $1,058 -$414 -28.1%
Idaho $996 -$476 -32.3%
Illinois $1,098 -$374 -25.4%
Indiana $1,110 -$362 -24.6%
Iowa $996 -$476 -32.3%
Kansas $1,402 -$70 -4.8%
Kentucky $2,010 $538 36.5%
Louisiana $2,182 $710 48.2%
Maine $910 -$562 -38.2%
Maryland $1,216 -$256 -17.4%
Massachusetts $1,178 -$294 -20.0%
Michigan $2,560 $1,088 73.9%
Minnesota $1,234 -$238 -16.2%
Mississippi $1,766 $294 20.0%
Missouri $1,308 -$164 -11.1%
Montana $1,584 $112 7.6%
Nebraska $1,162 -$310 -21.1%
Nevada $1,766 $294 20.0%
New Hampshire $1,062 -$410 -27.9%
New Jersey $1,648 $176 12.0%
New Mexico $1,306 -$166 -11.3%
New York $1,554 $82 5.6%
North Carolina $848 -$624 -42.4%
North Dakota $1,206 -$266 -18.1%
Ohio $1,016 -$456 -31.0%
Oklahoma $1,514 $42 2.9%
Oregon $1,350 -$122 -8.3%
Pennsylvania $1,406 -$66 -4.5%
Rhode Island $1,966 $494 33.6%
South Carolina $1,336 -$136 -9.2%
South Dakota $1,244 -$228 -15.5%
Tennessee $1,292 -$180 -12.2%
Texas $1,776 $304 20.7%
Utah $1,092 -$380 -25.8%
Vermont $1,008 -$464 -31.5%
Virginia $884 -$588 -39.9%
Washington $1,140 -$332 -22.6%
West Virginia $1,350 -$122 -8.3%
Wisconsin $1,022 -$450 -30.6%
Wyoming $1,312 -$160 -10.9%

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 $1,472
Comprehensive Premium $348
Collision Premium $594
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 $5,358
20 $3,378
30 $1,546
40 $1,472
50 $1,344
60 $1,316

Full coverage, $500 deductibles

Rates by Deductible

Kia Vehicle Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,888
$250 $1,696
$500 $1,472
$1,000 $1,260

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Vehicle Insurance Rates for High Risk Drivers
Age Premium
16 $7,658
20 $5,366
30 $3,250
40 $3,172
50 $3,024
60 $2,994

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 $202

Potential Rate Discounts

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

Discount Savings
Multi-policy $79
Multi-vehicle $75
Homeowner $21
5-yr Accident Free $110
5-yr Claim Free $95
Paid in Full/EFT $69
Advance Quote $73
Online Quote $105
Total Discounts $627
Rate after discounts $845

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

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