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Kat Tretina is a personal finance writer for Compare.com, specializing in insurance and debt management. For the past seven years, she’s been writing for several notable personal finance publications, including U.S News & World Report, NerdWallet, Forbes, Yahoo! Finance, Fortune, and more. She’s passionate about using her expertise to help people understand their financial options.
Kat earned her bachelor’s degree in English and Communications from Elizabethtown College and her master’s from West Chester University. She also holds certifications in financial education and student loan counseling.
Kat has been writing for Compare.com since 2025.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
On average, Kia drivers pay $191 per month for full coverage and $113 per month for liability insurance — both of which are more than the national average.
USAA, State Farm, and Allstate offer some of the cheapest premiums for Kia vehicles.
The K4 is the most expensive Kia model to insure, with full-coverage rates averaging $275 per month.
Car insurance rates can vary widely between companies. Every insurer has its own risk calculations and formulas for determining rates. Switching insurers could help you save hundreds each year, so it’s important to compare quotes when shopping for coverage.
The table below shows the average monthly premiums for Kia vehicles from major insurers, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| USAA | $79 |
| State Farm | $87 |
| Allstate | $111 |
| American Family | $119 |
| GEICO | $122 |
| CSAA | $133 |
| Nationwide | $144 |
| Progressive | $147 |
| Travelers | $150 |
| Farmers | $170 |
| Liberty Mutual | $202 |
| Amica | $382 |
USAA and State Farm are significantly cheaper than average Kia vehicles. But your actual costs depend on several factors, including your vehicle model.
The vehicle you drive affects your premiums. For example, the Kia Soul is a relatively inexpensive SUV and is the cheapest Kia to insure. But the K4, a compact sedan with a powerful engine, is the most expensive.
The table below shows the average premiums for the bestselling Kia models of 2025, according to Compare.com data.
Model | Average Liability Premium | Average Full-Coverage Premium |
|---|---|---|
| Sportage | $105 | $182 |
| K4 | $147 | $275 |
| Telluride | $112 | $195 |
| Sorento | $111 | $181 |
| K5 | $139 | $269 |
| Carnival | $109 | $204 |
| Soul | $91 | $171 |
| All Kia models | $113 | $191 |
Average liability premium: $105 per month
Average full-coverage premium: $182 per month
2026 Kia Sportage MSRP: Starting at $28,690
The Sportage is Kia’s bestselling model. It’s a compact SUV, and the 2026 model was an Insurance Institute for Highway Safety (IIHS) Top Safety Pick.[1] Car insurance for the Kia Sportage tends to be cheaper than the brand average.
The table below shows the cheapest insurance rates for the Kia Sportage, according to our data.
Company | Average Monthly Premium |
|---|---|
| USAA | $75 |
| State Farm | $83 |
| Allstate | $106 |
| American Family | $113 |
| GEICO | $116 |
Average liability premium: $147 per month
Average full-coverage premium: $275 per month
2026 Kia K4 MSRP: Starting at $21,990
The Kia K4 is a newer model, replacing the Forte. It’s highly rated for safety, with the National Highway Traffic Safety Administration (NHTSA) giving the 2025 K4 a five-star overall safety rating.[2]
That said, the K4 is equipped with features like a surround-view monitor, auto emergency braking, and parking sensors. Add in the available turbocharged engine, and the K4 is the most expensive Kia model to insure.
The table below shows the cheapest insurance rates for the K4, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $105 |
| State Farm | $125 |
| Allstate | $139 |
| GEICO | $155 |
| American Family | $160 |
Average liability premium: $112 per month
Average full-coverage premium: $195 per month
2026 Kia Telluride MSRP: Starting at $36,390
The Kia Telluride was an IIHS Top Safety Pick for 2025.[3] Insurance rates are about average for this midsize SUV.
Check out the table below for the cheapest insurance premiums for the Telluride, according to our data.
Company | Average Monthly Premium |
|---|---|
| USAA | $80 |
| State Farm | $89 |
| Allstate | $114 |
| American Family | $121 |
| GEICO | $124 |
Average liability premium: $111 per month
Average full-coverage premium: $181 per month
2026 Kia Sorento MSRP: Starting at $32,190
The Sorento is another of Kia’s midsize SUVs and is usually slightly cheaper to insure than the brand average.
Here are the cheapest rates for the Sorento, according to our research.
Company | Average Monthly Premium |
|---|---|
| USAA | $75 |
| State Farm | $83 |
| Allstate | $105 |
| American Family | $112 |
| GEICO | $115 |
Average liability premium: $139 per month
Average full-coverage premium: $269 per month
2026 Kia K5 MSRP: Starting at $27,390
The Kia K5 is a sporty, high-tech sedan, and the GT model has a powerful engine. Insurance for the K5 tends to be significantly higher than the brand average, but you can find affordable coverage by shopping around and comparing quotes.
The table shows the cheapest premiums available for the K5, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $111 |
| State Farm | $123 |
| Allstate | $157 |
| American Family | $167 |
| GEICO | $171 |
Since Kia rebranded in 2021, the automaker has risen in popularity. In fact, it’s now one of the top car manufacturers in the U.S.
If you’re one of the millions of people who own one, here are some of the top insurance options for Kia vehicles.
| User Reviews | 3.5 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $76/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $142/mo |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
If you finance or lease your Kia, Allstate could come in handy. The company offers gap insurance, which can cover the difference between your loan balance and your car’s value if you total it or if someone steals it.
Plus, Allstate has rideshare coverage, which can be useful if you drive for Uber or Lyft. But the company’s rates can be higher than those of some competitors, and it doesn’t have many discounts, either.
Offers gap insurance
Rideshare coverage available
Telematics programs can reduce premiums
Poor reviews on Trustpilot[4]
More expensive than some competitors
Fewer discounts available
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $108/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Teens tend to pay more for car insurance. But State Farm offers some of the cheapest rates for young drivers. High school and college students can qualify for good student discounts, and young driver training programs can help you slash your premiums.
State Farm has local agents around the country, but that means your experience can vary by office. It also isn’t offering new policies in Massachusetts or Rhode Island.
Lower-than-average rates for young drivers
Multiple discounts available
Highly rated customer service[5]
Not available in Massachusetts or Rhode Island
Customer service can vary by agent
Clunky mobile app
| User Reviews | 3.4 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $91/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $151/mo |
Drivers appreciate the quick claim handling and good service but dislike the high rates and lack of pricing transparency.
Drivers appreciate the quick claim handling and good service but dislike the high rates and lack of pricing transparency.
If you tend to drive fewer miles and have safe driving habits, you could save money with Root. It’s a usage-based insurance company that bases your premiums on your vehicle use and driving habits. Plus, Root doesn’t consider your credit history when determining premiums, limiting how non-driving factors affect your rates.
But people with traffic violations will need to look elsewhere, because Root doesn’t cover high-risk drivers. The company also has a high number of complaints with the National Association of Insurance Commissioners (NAIC).
Cheaper rates for driving less
Doesn’t consider credit when setting rates
Rental car reimbursement and roadside assistance available
Doesn’t cover high-risk drivers
Few coverage add-ons
Higher-than-average volume of customer complaints[6]
Compare quotes starting at $79 per month.
Car insurance rates vary by state. States have different local factors that affect how insurers calculate premiums. Cost of living, traffic congestion, insurance laws, and weather patterns all influence how much you pay for coverage.[7]
Check out the map below to learn how average Kia rates vary by state, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $125 |
| Arizona | $144 |
| Arkansas | $133 |
| California | $163 |
| Colorado | $163 |
| Connecticut | $226 |
| Delaware | $190 |
| Florida | $177 |
| Georgia | $203 |
| Hawaii | $100 |
| Idaho | $85 |
| Illinois | $83 |
| Indiana | $126 |
| Iowa | $104 |
| Kansas | $118 |
| Kentucky | $157 |
| Louisiana | $170 |
| Maine | $120 |
| Maryland | $241 |
| Massachusetts | $111 |
| Michigan | $183 |
| Minnesota | $138 |
| Mississippi | $144 |
| Missouri | $120 |
| Montana | $119 |
| Nebraska | $70 |
| Nevada | $93 |
| New Hampshire | $115 |
| New Jersey | $70 |
| New Mexico | $214 |
| New York | $115 |
| North Carolina | $201 |
| North Dakota | $175 |
| Ohio | $98 |
| Oklahoma | $136 |
| Oregon | $121 |
| Pennsylvania | $128 |
| Rhode Island | $175 |
| South Carolina | $194 |
| South Dakota | $110 |
| Tennessee | $113 |
| Texas | $174 |
| Utah | $119 |
| Vermont | $142 |
| Virginia | $114 |
| Washington | $135 |
| Washington D.C. | $250 |
| West Virginia | $96 |
| Wisconsin | $117 |
| Wyoming | $89 |
Teens and young adults are more likely to engage in risky driving behaviors, like texting and driving, and are more likely to be in serious accidents, according to the Centers for Disease Control and Prevention (CDC).[8] As a result, insurance companies charge younger drivers higher rates than other age groups.
Rates tend to decrease as you age and gain experience. But premiums tick up around age 70.
Below are the average Kia premiums for different age groups, according to our research.
Age Group | Average Monthly Premium |
|---|---|
| Drivers younger than 25 | $292 |
| Adult drivers | $152 |
| Senior drivers | $131 |
Tickets, at-fault accidents, and driving under the influence (DUI) convictions typically increase your car insurance rates. Insurance companies think you’re more likely to file claims in the future if you have a spotty driving record, so they charge higher premiums.
Here’s what average Kia premiums look like for different driving records, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $152 |
| Speeding ticket | $204 |
| At-fault accident | $217 |
| DUI | $255 |
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Your age, location, and driving record are a few factors insurers use when setting your rates. But your vehicle also influences how much you pay for coverage. Below are a few features of Kia cars that affect your rates.
Kia vehicles typically have high safety ratings. In particular, the Sportage and the Telluride were IIHS Top Safety Picks. Safe, reliable cars usually cost less to insure because you’re less likely to get into an accident.
Some of Kia’s newest models, like the K5 or K4, have many driver-assist features. Vehicles with expensive technology usually cost more to insure because they’re more costly to repair or replace.
Trim levels significantly affect the price of your car and insurance rates. For example, the Kia Sorento LX starts at $32,190, but the Sorento SX starts at $42,590. The higher your car’s value, the more expensive it will be to insure, generally.
Get rates from 100+ top insurers and save money in seconds.
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Kia is well-known for its industry-leading warranty. But if you want more protection, consider some of the following coverages:
Collision coverage: If you’re in an accident or hit a stationary object, collision insurance helps pay to repair your own vehicle.
Comprehensive coverage: Comprehensive insurance covers damage to your vehicle from non-collision events, like severe weather or vandalism.
Liability insurance: Almost every state requires some amount of liability coverage. Liability insurance pays for damages or injuries you cause to other drivers and their passengers in an accident.
Gap insurance: If you finance or lease your car, gap insurance can pay the difference between your car’s value and your loan balance if you total it or if someone steals it.[9]
If you’re confused about car insurance for your Kia, we’re here to help. Below are answers to some common questions about Kia auto insurance.
It depends. The average monthly premium for a Kia is $152 per month, less than the average for all vehicles of $166 per month, according to Compare.com data. But the vehicle you drive affects your rates, and some Kia models — like the K4 and K5 — cost more to insure.
Some auto insurance companies stopped issuing new policies for Kia models after theft rates for these vehicles skyrocketed from 2020 to 2023, according to the Highway Loss Data Institute. Vehicles with high theft rates cost more to insure, as companies have to pay to replace them more often.
It depends. It can be hard to find car insurance for your Kia because companies believe that they’re easier to steal. Your best bet is to shop around and compare quotes from multiple companies to find the coverage you need.
In 2023, Progressive announced that it would temporarily not issue new policies to Kia owners due to increased theft rates. Kia owners can now get quotes and purchase coverage for their vehicles again through Progressive.
Car insurance for a Kia costs an average of $152 per month, according to Compare.com data. Full coverage for Kia vehicles costs an average of $191 per month, and liability only costs an average of $113 per month.
USAA and State Farm offer the cheapest average rates for Kia models, at $79 and $87 per month, respectively, according to Compare.com data. But your exact rates depend on several factors, including your location, age, and driving record.
On average, Kia Sportage drivers pay $105 per month for liability insurance and $182 per month for full-coverage policies. But your personal rates can vary depending on factors like your age and location.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Kat Tretina is a personal finance writer for Compare.com, specializing in insurance and debt management. For the past seven years, she’s been writing for several notable personal finance publications, including U.S News & World Report, NerdWallet, Forbes, Yahoo! Finance, Fortune, and more. She’s passionate about using her expertise to help people understand their financial options.
Kat earned her bachelor’s degree in English and Communications from Elizabethtown College and her master’s from West Chester University. She also holds certifications in financial education and student loan counseling.
Kat has been writing for Compare.com since 2025.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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