Kia Insurance

What You Should Know about Kia Insurance

And how to get the lowest premiums without sacrificing coverage

Kia Optima

Many things contribute to your Kia car insurance rates. Talking with a local independent insurance agent is the easiest way to get multiple quotes from trustworthy insurance companies. 

Don't settle for a generic online quote from a mediocre company. Your agent can make recommendations specific to your situation so you'll get the best possible coverage at the lowest rate from a trustworthy insurer. 

Not sure where to find an independent insurance agent in your area? 

TrustedChoice.com has a find-an-agent tool that can match you with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your Kia. 

What Kind of Insurance Do You Need for Your Kia?

Bodily injury liability: If you cause an accident and someone else is hurt, bodily injury liability insurance will pay for costs associated with medical care and recovery for that person. 

Property damage liability: In many places, property damage liability insurance is required by law. Even so, consider purchasing more than the minimum amount. You'll have to pay for damage you cause that exceed the limits of your policy. 

Medical payments/Personal injury protection: Laws differ from one state to the next, so talk with your agent to understand your options where personal injury protection and medical payments insurance is concerned. In some states, this type of insurance is mandatory. If you are in an accident, this policy may pay for costs related to physical recovery for you and your passengers. 

Uninsured motorist coverage: Not every driver has the right amount of insurance coverage. Even if it's illegal to drive without liability insurance, many people take the chance. Uninsured and underinsured motorist coverage is an extra layer of protection that pays for repairs to your vehicle if you are in an accident with someone without insurance who can't pay the costs on their own. 

Optional Coverage

Collision: Collision insurance coverage pays to repair or replace your car if you hit something or are in an accident with another car. This type of coverage isn't right for everyone, so talk with your agent about the pros and cons of including collision coverage on an older Kia. 

Comprehensive: If you are in an accident caused by an animal in the road or are a victim of vandalism, you'll need comprehensive insurance coverage to get your repair bill paid for. The insurance company will handle the cost of repairing or replacing your 4Runner, minus your deductible, up to its fair market value for covered incidents. 

Glass coverage: You can't put off replacing a windshield without risking a ticket, but the cost can be hard to stomach. It's often less than your deductible, but still expensive enough that it's worth considering adding glass coverage to your policy. 

Gap insurance: If you think you owe more on your car than its market value and you didn't buy gap insurance at the dealership where you purchased your new Kia, talk with your agent about how this type of insurance could help you. Without it, you could be responsible for paying off your loan or lease if your are in an accident that the insurance company deems a "total loss." 

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What Affects the Cost of Insurance for Your Kia?

Annual mileage
If you drive more than the average of 10,000 to 15,000 miles each year, expect to pay slightly higher premiums for auto insurance on your Kia. 
Your driving record
if you have a spotless driving record, you'll pay a lower insurance rate than drivers with at-fault accidents or moving violations. 
The value of your vehicle
2020 Kia prices start at about $36,000. That's about average for this class of vehicle.

The Safety of Your Kia

Safety features work to reduce your risk of injury, which in turn lowers your insurance rate. If you are shopping for a Kia, look for one with a full range of safety features.

Safety features you can find standard on most Kia vehicles include the following.

  • Interior features
    • Dual front advanced airbags
    • Full-length side curtain airbags
    • Duel front-seat-mounted airbags
    • Front-active headrests
    • Front and rear 3-point seatbelts
    • Front seatbelt pre-tensioners
    • Lower anchors and tethers for children (LATCH)
  • Exterior features
    • Electronic stability control
    • Four-wheel disc brakes
    • Four-wheel anti-lock brakes (ABS)
    • Electronic brake-force distribution (EBD)
    • Tire-pressure monitoring system (TPMS)
    • Side-impact door beams

How Location Affects Your Kia Insurance 

Because your location has such a dramatic effect on your car insurance premiums, it's crucial to get a personalized quote from your agent. It's typically more expensive to insure any vehicle in large cities than it is in rural areas. Insurance rates vary widely by state, as well. 

Top three most expensive states for Kia insurance
California, Montana, and Michigan $1,890
Top three most affordable states for Kia insurance
North Carolina, Wisconsin, and Vermont $930

Additional Factors That Affect Your Kia Insurance Premiums

  • Safety features like anti-theft devices
  • Age
  • Gender
  • Deductible
  • Credit

Average Cost to Insure a Kia

Your Kia premiums depend on a number of factors, including the year and model of your vehicle. 

Here are some annual average full-coverage insurance rates for Kia models.

Kia Model Insurance Rate
Kia Cadenza $1,472
Kia Forte $1,352
Kia K900 $1,666
Kia Niro $1,338
Kia Optima $1,454
Kia Optima Hybrid $1,556
Kia Optima Plug-In Hybrid $1,602
Kia Rio $1,398
Kia Rondo $1,156
Kia Sedona $1,230
Kia Sorento $1,414
Kia Soul $1,338
Kia Soul EV $1,478
Kia Sportage $1,280
Kia Stinger $1,618
Kia Telluride $1,516
Average annual cost to insure a Kia with full coverage $1,332
Teens $5,216
High-risk drivers $3,074
High deductibles $1,224
Low deductibles $1,824
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Top Independent Insurance Carriers That Insure the Kia

According to a recent US Independent Insurance Agent Satisfaction Study by JD Power, the following companies provide excellent service to their insurance customers: 

  1. Progressive
  2. Safeco
  3. Travelers
  4. Auto-Owners Insurance

Get a Kia Quote

Your local independent insurance agent can help you get the auto insurance you need for your Kia. Don't trust an online search engine to get the best rates and reliable coverage. With the help of the TrustedChoice.com find-an-agent tool, you can get in touch with an agent right away. 


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IIHS, Consumer Reports, Quote Inspector, iii.org, JD Power, Car and Driver