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Are you in the market for a new Kia car or SUV? If the answer is yes, you’ve made a great choice but first, here’s a little history to get your started. Founded in 1944 as a manufacturer of steel tubing and habicycle parts, the Kia Motor Corporation has morphed into South Korea’s second largest multinational automobile manufacturer, selling over 2.8 million vehicles in 2019 alone. Kia made its debut into the United States in 1986 when they partnered with Ford Motor Company in the production of several Mazda models for domestic and export sales.
However, in 1992, it solidified its presence in the United States and formed Kia Motors America. Currently a subsidiary of Hyundai Motor Group and South Korea’s largest multinational automobile manufacturer, Kia vehicles are known for their exceptional reliablity.
Now you already know they’re a quality and trusted brand, now let’s compare Kia car insurance rates to see what you might expect to pay for your premium.
Cost of Kia Insurance
On average, the cost to insure a Kia is $123/mo. This rate is slightly higher when compared to the average cost of $106/mo. to insure all vehicles in the United States. Although the higher costs might discourage you from purchasing your Kia, don’t let it.
Because of Kia’s history of safety and dependability, finding quality and affordable car insurance should be pretty simple. Of course, there are many factors that go into determining your car insurance rates such as the make and model of your vehicle and your driving record. However, we’ve done a breakdown on typical auto insurance premiums based on specific Kia models.
But first, take a few minutes to enter your zip code and start your search for the best insurance rates for your new Kia.
Kia Car Insurance Rates by Model
Although we’ve provided you with the average cost for Kia vehicles across the board, looking at rates based on your specific Kia model will provide you with a more accurate idea of what you can expect to pay for your premiums each month.
Below, we’ve compiled a list of the average car insurance rates based on Kia car models.
Amanti |
Borrego |
Cadenza |
|
Forte |
K5 |
K900 |
|
Niro |
Optima |
Rio |
|
Rondo |
Sedona |
Seltos |
|
Sephia |
Sorrento |
Soul |
|
Soul |
Spectra |
Sportage |
|
Stinger |
Telluride |
Amanti
The Amanti was Kia’s first foray into the luxury car market. It’s a 5 seater sedan that discontinued production in 2009 after 6 years on the market. The Amanti’s production was halted in 2009 after six years in production due to lackluster performance and lagging car sales. Your monthly auto insurance premium for an Amanti will be around $91.
Borrego
The Kia Borrego was released in 2008 as a large 7 seater SUV available in V6 and V8 engines. In 2009, Kia discounted production, but if you find yourself behind the wheel of one, you can look forward to smooth handling and low step-in height. Expect to pay $107/mo. to insure your Borrego.
Cadenza
The Kia Cadenza was launched in 2010 as an executive-level sedan to replace the Kia Opirus and Amanti. The Cadenza has high-end features such as heated leather seats, a dual sunroof and advanced technology packages. Auto insurance for this car will cost you around $165 per month.
Forte
The Kia Forte is a compact car that has been manufactured since 2008. It replaced the Kia Cerato and is available as a two-door coupe, four-door sedan, or five-door hatchback. The Forte was designed for younger drivers looking for a small, stylish, and dependable car. Expect to pay $128 per month in car insurance.
K5
The Kia K5 made its entrance in the midsize sedan market in 2021 as a replacement for the Kia Optima. It’s sporty yet stylish exterior, premium package trim, and smooth, quiet ride is appealing to drivers looking for a dependable car at an affordable price. Monthly auto insurance premiums for the K-5 are $197.
K900
The Kia K900 delivers a luxury experience with its spacious interior, powerful 365 horsepower, and smooth-shifting eight-speed automatic transmission. This car is a great choice for buyers looking for premium performance with safety, technology, and comfort features. Insuring the K900 will cost you $139/mo.
Niro
The Kia Niro is a compact crossover 5-door SUV. It’s a great vehicle for drivers looking for electrification options offering several variations such as hybrid, plug-in hybrid, and battery-electric models. In 2016, the Niro received a Guinness World Record title for the lowest fuel consumption by a hybrid vehicle. If you’re looking for a greener and eco-friendly vehicle, this just might be the perfect car for you. To insure the Niro, you’ll pay &143/mo.
Optima
The Kia Optima is a stylish family sedan that offers traditional and hybrid options. It comes packed with desirable features such as excellent safety ratings, an unparalleled powertrain warranty, a well-built interior, and modern driver-assistance technology. Car insurance premiums will cost you $144 per month.
Rio
The Kia Rio packs a big punch in a small package. A member of the subcompact class, the Rio’s tiny size is appealing to drivers looking for an inexpensive car with great fuel efficiency, and a comprehensive warranty. It also includes modern features like wireless connectivity for Apple CarPlay or Android Auto. The Rio’s monthly auto premium runs around $118.
Rondo
The Kia Rondo is a compact minivan with standard third-row seat. While only in production from 2007-2010, it boasts good consumer ratings with large seating and cargo capacity and tons of safety features. Insurance rates for the Rondo average $89/mo.
Sedona
The Kia Sedona may be the perfect solution for you if you’re a minivan enthusiast or just in need of more space while on the go. It’s an eight-seat minivan featuring a roomy third row and easy child-seat safety installation for the parents of little ones. The cost of insurance for this minivan is $82/mo.
Seltos
The Kia Seltos offers the power and versatility of an SUV but in a subcompact size that’s great for commuters. Newer models of the Seltos come packed with a host of driver-assistance features including remote start, automatic climate control, and 18-inch aluminum wheels. Expect to shell out about $119 per month to cover your auto insurance premiums.
Sephia
The Kia Sephia was manufactured between 1992 – 2003. It is a 4-door, compact car with space to comfortably hold 5 passengers. The Sephia is known for being an affordable car with good fuel economy. Insurance will cost $69 per month.
Sorento
The Kia Sorento replaced the Forte in 2011. It features a modern body style, fuel-efficient engine, and spacious three-row seating for up to 7-passengers. Insuring a Forte will cost you approximately $111 monthly.
Soul
The Kia Soul is an ultra compact SUV hatchback and viewed as one of the best vehicles for outstanding quality and value. If you’re in the market for a Soul, you’ll love its spacious interior and turbo engine power. Expect to fork over $112 per month to insure this vehicle.
Spectra
The Kia Spectra is a 5 seat sedan that halted production in 2009. It’s known for having good fuel economy, spacious headroom and a comfortable ride. Insurance rates are about $87/mo.
Spectra 5
The Kia Spectra 5 is the hatchback version of the Spectra. It was manufactured from 2005 – 2009 and includes standard features six airbags and a sport-tuned suspension. You can look forward to a quiet and comfortable ride with easy maneuverability on the road. The average premium is $85/mo.
Sportage
The Kia Sportage joins the pack of compact SUVs. The newest model stands apart from the pack with a bolder body, distinct grill, and roomier interior and cargo space. You also have the option to choose from either a 187-hp four-cylinder engine or a 226-hp hybrid powertrain engine. The insurance premium per month is $121.
Stinger
The Kia Stinger is a 5 seater sedan designed to compete with more elite European imports like the Audi A4 and Genesis G70. It’s known for its stylish profile, powerful engine and high-end interior finishes. Insuring the Stinger costs around $167/mo.
Telluride
The Kia Telluride is an award-winning SUV that stands out from the crowd. As an 8-seater it’s great for small and large families. This powerhouse SUV is ideal for transporting your family around in style and comfort. It comes jam packed with features you’ll love like comfortable 3 row seating, a quiet interior and huge interior. Expect to pay $160/mo. in auto insurance premiums.
While these are good estimates, you can get a better idea of how much you’ll pay for Kia car insurance by getting a personalized quote. Just enter your zip code below and in about 5 minutes we’ll provide you with a personalized list of insurance quotes from 60+ companies.
Kia Car Insurance Rates by Insurance Company
The rate you will pay to insure your Kia is based on several variables including the year, make and model of your vehicle, your driving record, and where you live. Each insurance company has a system they use to generate rates which is why the rates are vastly different.
Take a look at the list below. It shows the overall average rates for insuring Kia vehicles based on various auto insurance companies. We’ve listed them from least to most expensive.
| Insurance Company | Monthly Insurance Premium |
|---|---|
| Hugo | $50 |
| Commonwealth Casualty | $67 |
| National General | $80 |
| Sun Coast | $81 |
| Say Insurance | $89 |
| Infinity | $92 |
| MetroMile | $96 |
| First Chicago | $98 |
| Lonestar | $99 |
| MileAuto | $103 |
| Kemper | $104 |
| Infinity | $105 |
| Clearcover | $106 |
| Motion Auto | $108 |
| Assurance America | $112 |
| Gainsco | $112 |
| Direct General | $113 |
| Bridge Net | $116 |
| Safeco | $120 |
| Dairyland | $122 |
| Safe Auto | $125 |
| Foremost | $129 |
| Infinity | $131 |
| Insure | $134 |
| Plymouth Rock | $136 |
| Jupiter | $137 |
| Travelers | $140 |
| Nationwide | $143 |
| Safe Auto | $146 |
| Acceptance | $147 |
| Freedom | $149 |
| The General | $151 |
| Esurance | $152 |
| Liberty Mutual | $157 |
| Mercury | $162 |
| Elephant Insurance | $162 |
| Good2Go | $175 |
As the table shows, the amount you’ll actually pay for car insurance depends on which insurance company you choose. Our list features ten auto insurers offering rates under $100 per month. They include Hugo ($50/mo), Commonwealth Casualty ($67/mo), Infinity, ($92/mo) and MetroMile ($96/mo).
Some companies also include rates that are over $100 per month including MileAuto ($103/mo), Assurance America and Gainsco ($112/mo), Travelers ($140/mo), and the most expensive on the list, Good2Go at ($175/mo).
Based on the range of prices, it’s always a good idea to go rate shopping for the best quality auto insurance for you. Plugging in your specific needs will give you the best opportunity to find the perfect match. It only takes a little time and effort which can result in big savings for your wallet.
Kia Features That Impact Insurance Cost
The features that impact the insurance rates for Kia’s cars and SUVs will vary based on the insurance company. Some auto insurers deem certain features more important than others when determining insurance rates.
Here are a few elements that will often help you secure an auto insurance discount for your Kia vehicle.
Airbags. Because drivers are less likely to experience serious injury, airbags are a standard feature in most vehicles on the roads today. Having airbags can secure you an easy discount on your auto insurance. Thankfully Kia vehicles come standard with a full set of advanced airbag features like driver knee airbags, curtain airbags, and front and rear side door airbags.
Forward Collision-Avoidance Assist (FCA)S. Kia’s FCA system is powered by a radar on the front bumper of your car with a camera that detects pedestrians, bicyclists, motorcycles, and other cars. This system also activates a warning and the brakes to avoid a collision. Because it’ll help reduce the likelihood of being involved in a collision, insurance companies are likely to provide you with a discount.
Lane Departure Warning System. Found in most late model Kia’s, the lane departure warning system alerts you when a tire touches a lane marker. This feature is designed to keep you from veering off into another lane which reduces the chances of an accident. Again, that’s why this safety feature might help you save a bit on your auto insurance premium.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more.
As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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