Kia Amanti Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs less to insure a Kia Amanti than the average car.

• Full coverage for an Amanti typically averages around $153 per month, while liability only car insurance rates run about $78.

• Mile Auto offers the most affordable average rates for an Amanti with liability only coverage offered for as low as just $38 a month.

Amanti Overview

The Kia Amanti is a great budget-friendly option for any driver, with base prices starting at just $26,045 for 2009 models.

We combed through thousands of insurance quotes on Compare.com, and we've found that Kia Amanti car insurance premiums are around $109 monthly, on average. But how does that compare to other similar cars on the market?

How Much is Car Insurance for a Kia Amanti?

You'll see in the table above that auto insurance prices for a Kia Amanti are about average compared to other vehicles on the road. Amanti drivers can expect to pay around $153 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $78 a month for liability only insurance (discover more about the difference with our guide "State Minimum vs. Full Coverage").

When you compare it to other models, the Amanti is slightly less expensive, with premiums about 10% lower than other vehicles in Kia's lineup. Likewise, coverage for the Amanti is more affordable when compared to other vehicles of a similar body style, with both full coverage and liability only insurance averaging less expensive rates than other cars.

When compared to all vehicles, regardless of make, model, or body style, insurance premiums for both full coverage and liability only policies run less expensive than average.

Who has the Cheapest Car Insurance for a Kia Amanti?

In the market for an auto insurance policy for your Kia Amanti? You may want to know which carrier offers the lowest rates. Although there will never be one company that offers the lowest rates for everyone, the cheapest average rates for liability only insurance are as cheap as just $23 monthly from ACG. The runner up for most affordable rates is Mile Auto, with car insurance policies starting sometimes as cheap as $38 per month.

Completing the top 5 companies are AIG, Empower, and American Family. But just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

After all, auto insurance carriers look at a lot of different things when calculating premiums, so your results might be different. The only way to guarantee you find the cheapest rates is to compare quotes from a whole bunch of insurance companies.

What Factors Affect Car Insurance Rates for a Kia Amanti?

There are lots of variables that car insurance carriers reference to determine how much they charge you for a policy -- and every carrier uses a different method, so there's not one single company that's the lowest for each Amanti owner.

The following sections show many variables auto insurance companies use to calculate rates:

Vehicle Age

The Kia Amanti has been around for a while -- that means vehicle age will likely make a difference in what you end up paying for insurance. Typically, newer cars are going to cost more to insure because they're worth more, but as they age, insurance costs will gradually go down.

Since a new model has not been added to the market for at least 5 years, we cannot analyze this trend for the Amanti. However, as you can see in the table above, the most expensive Kia Amantis to insure are those that are 15 years old or more, while the cheapest models are Amantis that are 6 to 7 years old, on average.

Your Age

Age is another variable that makes a big difference in how much you pay for auto insurance. Based on the information in the table above, those with more experience on the road have more affordable prices compared to drivers who are under 24. Kia Amanti drivers who are 18 to 24 actually pay $46 more than those 25 or older.

Insurance prices continue to decrease as you get older, with the cheapest age group being 55-64 for Amanti drivers.

Your Gender

Because women are less likely to get into collisions and get speeding tickets, they have a decreased chance of filing a claim with insurance. When it comes to Amanti drivers specifically, men pay around 1% more than women a month for car insurance.

Where You Live

You may already know that factors like what vehicle you drive and how old you are play a role in your insurance rates, but did you know that where you live can be equally important? Because car insurance is regulated at the state level, prices change quite a bit depending on where you live.

For example, the average Kia Amanti driver from New York pays about $224 monthly for liability coverage. Meanwhile, the same Californian owner will pay only 25% of that price, on average. The table above shows average premiums for the top 10 most populous states, just to give you a good idea of how much prices can change from state to state.

Kia Amanti Car Insurance Discounts

Whatever where you live, which car you drive, or how old you are, using as many discounts as possible when it comes to your auto insurance policy is always in your best interest.

Not every insurance carrier will offer the same discounts, but there are a few that are relatively common. These include discounts like:

• Multi-vehicle discounts for having more than one car on your auto policy
• Pay-in-full discounts for drivers who choose to pay their entire policy price at once, rather than by monthly payments
• Defensive driving discounts for taking a defensive driving class through an accredited school or institution
• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)

While taking advantage of discounts is always a smart way to save money on your auto insurance, sometimes, it's actually strengthening your overall insurance profile that carriers look at that get you the lowest rates.

Of course, you can't control every single aspect of your car insurance profile (like some of the pieces we mentioned above), but you can control some of it. Below are just a few of the variables you can use to your favor when it comes to saving money:

Your Driving Record

You've most likely noticed ads from insurance carriers promoting big discounts for safe drivers. It shouldn't come as a surprise that your car insurance premiums will go higher if you get into an accident or get a speeding ticket. But exactly how much can these infractions cost you?

Looking at the table above, you'll see that accidents will usually cost Amanti drivers less than tickets, but both will cause a significant increase in rates. Kia Amanti drivers with one accident on their record pay about $103 every month (up $25 from the $78/mo. overall average), while drivers with a single ticket will pay an average of $118 a month. The rates only increase the more collisions you have or tickets you get.

How Much You Drive

How much you drive annually impacts your auto insurance rates. Those who drive less often have fewer opportunities to get into an accident, so they'll generally get lower prices. Above, you can see that Kia Amanti owners who drive 10,000 miles or more pay $81 for car insurance, while those who drive fewer than 2,500 miles a year pay about $69 per month.

If you don't drive much because have a second vehicle or you work from home, you might consider getting a usage-based or pay-per-mile auto insurance policy. With these kinds of coverage, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

How Do Kia Amantis Compare to Other Vehicles?

If you're considering buying a Kia Amanti, it might be helpful to do your due diligence. Car insurance is just one cost that comes with buying a new car, but it's guaranteed to be one that's worth considering.

Check out the table below to see how the Kia Amanti stacks up:

As you can see, the Kia Amanti is pretty much in line with the average vehicle price here in the U.S. The average vehicle price in the U.S. is $33,180, and the Amanti comes in close to that at $26,045. A used Amanti will be even cheaper, since there hasn't been a new model on the market recently.

Although the Amanti has a pretty average price, insurance premiums run slightly above average when compared to other vehicles on the market. Full coverage insurance for a Kia Amanti is around $9 a month cheaper than average, while liability only coverage is more than $20 more monthly.

When it comes to usage, Kia Amanti owners drive about the same amount annually as the national average, with 10,873 miles per year compared to 11,660 for all vehicles.

Kia Amanti Car Insurance Costs by Model Year

Thus far, you've seen how different factors affect how much the average driver pays to insure a Kia Amanti. But if you're considering buying a new Amanti, knowing what you can expect to pay can be extremely valuable as you weigh your options.

That's why we've done the heavy lifting and analyzed Kia Amanti auto insurance rates by model year. Simply find the model year you want in the dropdown to see average rates for both liability only and full coverage options, as well as some other helpful info, like who offers the most affordable policies, the base MSRP, and which trim levels are offered for each Amanti model year.

2009 Kia Amanti Car Insurance

2009 Amanti drivers can expect to pay an average of $105 per month for liability or $160 for full coverage.

With prices as little as just $37 a month, Dashers offered the lowest policy we found for the 2009 Kia Amanti.

If you want to know just how much your premium will be, just enter your ZIP code below and get free quotes in minutes.

2008 Kia Amanti Car Insurance

It costs about $73 monthly for liability or $149 for a full coverage policy for the 2008 Kia Amanti.

We found MetLife offered the cheapest policy, with rates sometimes as little as $29 a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

2007 Kia Amanti Car Insurance

You can expect full coverage for a 2007 Amanti to run around $159 per month, while liability only coverage will average about $64 monthly.

Shelter Mutual has premiums sometimes as low as $25 per month for the 2007 Kia Amanti.

Want to know exactly what your insurance rate will be? Enter your ZIP code below to get several customized quotes for free.

2006 Kia Amanti Car Insurance

On average, drivers who own a 2006 Kia Amanti can expect to pay $70 to $169 a month for liability only and full coverage car insurance, respectively.

With rates as little as $23 per month, ACG offered the most affordable policy we found.

These average prices are a great starting point if you're in the market for a 2006 Kia Amanti, but there are a range of things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

2005 Kia Amanti Car Insurance

The average cost to insure a 2005 Amanti with liability only coverage is $83 a month, while full coverage runs around $159 monthly.

If you're looking for the cheapest possible 2005 Kia Amanti insurance policy, Clearcover offered the cheapest policy we found, with rates as cheap as $20 a month.

Want to figure out exactly what you'll be asked to pay? All you need to do is enter your ZIP code below and you'll be on your way to comparing multiple personalized quotes from the nation's top insurance companies.

2004 Kia Amanti Car Insurance

You can expect full coverage for a 2004 Kia Amanti to run about $118 monthly, while liability only coverage will average around $80 per month.

Clearcover offered the lowest policy we found, with rates as low as $16 monthly.

If you want to know just how much your price will be, just enter your ZIP code below and get several free quotes in minutes.

Kia Amanti Insurance FAQs

Is a Kia Amanti expensive to insure?

Liability insurance runs an average of $78 per month, while full coverage will cost you around $153. The Kia Amanti is less expensive to insure compared to the average car.

How can I get the best price on car insurance for my Kia Amanti?

There's only one way to guarantee you're getting the cheapest rates -- checking prices regularly and comparing quotes from a variety of carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a lot of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Kia Amanti affect my insurance premiums?

You might have heard the old adage that red cars cost more to insure than cars of other colors, but that's just a myth. There are multiple variables insurance carriers examine when they calculate how much you'll pay, but your Kia Amanti's color is not factored into that equation.

Do I need to have insurance before I buy a Kia Amanti?

You'll need to have valid car insurance for your vehicle before you can legally drive your it off the dealership lot. As part of the buying process, some dealerships may offer you an insurance policy, but your best bet is letting your auto insurance company know before you buy.

What car insurance discounts can I get for my Kia Amanti?

There are a ton of discounts out there when it comes to insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are based less on your car and more on you, but if your Amanti has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may be eligible for certain discounts. The only way to know for sure is to reach out to your insurance carrier and ask about their discounts, since they shift quite a bit from company to company.