A Kia Borrego is more affordable to insure compared to the average SUV.
Liability only auto insurance rates for a Borrego average about $85 a month, while full coverage normally comes in at around $138 monthly.
American Family offers the cheapest average rates for a Borrego with liability only coverage offered for as little as $36 per month.
In This Article
With a base price of just $26,245 for 2009 models, the Kia Borrego is a great budget-friendly SUV for drivers of all types.
We crunched the numbers on thousands of car insurance quotes on Compare.com, and we've determined that, on average, Kia Borrego insurance premiums run about $121 a month. But where does that fall compared to the rest of the market?
|Current Base Price||$26,245|
|Average Insurance Premium||$121/mo.|
|Cheapest Insurance Company||American Family|
How Much is Car Insurance for a Kia Borrego?
|Vehicle||Liability Only||Full Coverage|
|All Kia Models||$85||$170|
|Average Insurance Premium||$81||$169|
Based on the table above, Kia Borrego insurance prices are cheaper than average compared to other vehicles. On average, Borrego owners can expect to pay around $85 monthly for liability insurance, and about $138 per month for full coverage, which has comprehensive and collision coverages in addition to liability (discover more about the difference with our guide "State Minimum vs. Full Coverage").
When compared to other Kia models, the Borrego is cheaper, with premiums around 19% lower than the rest of the company's vehicle offerings. However, Borrego coverage runs close to average when compared to other vehicles of a similar body style, with liability insurance rates coming in at $4 higher than other SUVs and full coverage insurance prices at $14 cheaper.
Compared to all vehicles of any body type, liability only premiums are slightly more expensive for the Borrego, but a full coverage policy is on the less expensive side.
Who has the Cheapest Car Insurance for a Kia Borrego?
|Insurance Company||Average Monthly Premium|
If you're browsing for an auto insurance policy for a Kia Borrego, you probably want to know which company offers the most affordable premiums. Although there will never be one carrier that offers the lowest rates for everyone, Mile Auto has the most affordable average rates for liability only coverage, with rates sometimes as low as $30 a month. With car insurance as little as just $36 monthly, American Family is the next lowest car insurance company.
Completing the top 5 carriers are AnchorGeneral, Shelter Mutual, and Workmens. But just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Kia Borrego.
Auto insurance carriers take a bunch of different things into consideration when offering you rates. The only way to guarantee you'll find the cheapest rates is to compare quotes from quite a few auto insurance companies.
What Factors Affect Car Insurance Rates for a Kia Borrego?
As we mentioned above, there are a multitude of factors that insurance carriers take into account to determine how much they charge for car insurance -- and each carrier weighs certain factors more than others, so there's not one single company that's the most affordable for every driver.
The sections below show a variety of variables auto insurance companies use to calculate rates:
|Vehicle Age||Average Monthly Premium|
|Less than 1 Year||No Recent Models|
|2-3 Years||No Recent Models|
|15 Years or Older||Not Enough Data|
The Kia Borrego has been around for a while -- that means vehicle age will likely play a big role in what you end up paying for insurance. Generally, newer cars are going to cost more to insure because they're worth more, but as they get older, insurance costs will gradually decrease.
A new Kia Borrego model hasn't been added to the market for over 5 years, so there isn't data to analyze this trend. However, as you can see in the table above, the cheapest Kia Borregos to insure are those that are 4 to 5 years old, while the most expensive models are Borregos that are 11 to 14 years old, on average.
|Age||Average Monthly Premium|
|Under 18||Not Enough Data|
|65 or Older||$130|
Age makes a difference in how much you pay for car insurance. Based on the information above, drivers who are under 24 pay less for auto insurance than drivers with more experience.
Car insurance prices continue to go lower as you get older, with the cheapest age group for Borrego drivers being 55-64.
|Gender||Average Monthly Premium|
Men tend to pay more for insurance than women. This is because women are less likely to get tickets and get into collisions, which lowers the chances of an insurance claim. The Kia Borrego follows this convention, and women pay about $13 less than men a month for auto insurance.
Where You Live
|State||Average Monthly Premium|
You were probably already aware that factors such as what vehicle you drive and how old you are play a role in your car insurance prices, but you may not realize that where you live matters just as much. Because insurance is regulated on the state level rather than nationally, premiums shift quite a bit depending on which state you call home.
For example, Ohio has rates for Borrego drivers that are lower than other locations.
Kia Borrego Car Insurance Discounts
No matter what vehicle you drive, how old you are, or what state you call home, using as many discounts as possible when it comes to your auto insurance is always a smart move when shopping around for a new policy.
Not every insurance carrier will offer the same discounts, but there are a few that are relatively universal. These include things like:
- Defensive driving discounts for taking a defensive driving class from an accredited school or institution
- Multi-vehicle discounts for having several cars on your auto policy
- Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher safety ratings
- Multi-policy discounts for getting both your home and auto policies from the same company
These are just a few of the discounts out there. Sometimes the best way to save is just by having a profile that looks good to car insurance carriers.
Even though you may not have control of every factor auto insurance companies consider to calculate rates (like some of the ones mentioned above), there are quite a few you can control. Below are just a few of the things you can use in your favor in order to save on car insurance:
Your Driving Record
|Infractions||Average Monthly Premium|
It's no secret that insurance carriers offer the lowest prices to drivers with clean records. It checks out that if you get a speeding ticket or get into an accident, auto insurance rates will go up. But exactly how much can these infractions cost you?
If you look at the table above, you'll see that accidents will usually cost Borrego drivers more than tickets, but both will result in higher than average rates. Kia Borrego drivers with a single ticket will pay about $61 per month, while drivers with one accident on their record pay an average of $131 every month (up $46 from the $85/mo. overall average). Drivers who have multiple kinds of either violation will end up paying even more.
How Much You Drive
|Annual Mileage||Average Monthly Premium|
Another variable you have control over is the total amount of miles you drive each year. Those who drive less are less likely to get into collisions, so they'll usually get more affordable premiums. In the above table, you can see that Kia Borrego owners who drive fewer than 2,500 miles a year pay about $62 monthly for car insurance, while those who put 10,000 miles or more on their cars pay $77.
But if you don't use your Kia Borrego that often, it may be worth getting pay-per-mile or usage-based insurance. With these policies, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.
How Do Kia Borregos Compare to Other Vehicles?
If you're thinking about buying a new SUV and a Kia Borrego is on your shortlist, you're probably wondering how it compares to other cars. Insurance is just one cost that's associated with buying a new car, but it's certainly one that's worth thinking about carefully.
Take a look at the table below to see how the Kia Borrego compares:
|Kia Borrego||National Average|
|Full Coverage Insurance||$139||$169|
|Average Annual Mileage||13,754||11,660|
Overall, the Kia Borrego has an MSRP that's on par with the going rate for a new vehicle. The average vehicle MSRP in the U.S. is $33,180, and the Borrego comes in close to that at $26,245. And since there hasn't been a new Borrego model on the market recently, used prices will be even cheaper.
Although the purchase price is right in the middle of the spectrum, auto insurance prices are slightly lower when compared to other vehicles on the market. Liability insurance for a Kia Borrego is around $5 per month more than average, while full coverage is over $30 less a month.
When it comes to usage, Kia Borrego drivers are far from the national average in annual miles driven, with 11,660 miles per year for all vehicles compared to the Borrego's 13,754 each year.
Kia Borrego Car Insurance Costs by Model Year
We've walked through many of the variables that can have an impact on what you'll pay for insurance. If you're in thinking about buying a new car, truck, or SUV and the Borrego is on your wishlist, having a good idea of how much you'll likely pay can be helpful as you consider your choices.
For this reason, we've done the heavy lifting and analyzed Kia Borrego car insurance rates by model year. Simply choose a specific Borrego model year in the dropdown below and see average rates for both liability only and full coverage, 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 Borrego model year.
2009 Kia Borrego Car Insurance
|Liability Only Avg. Premium||$86|
|Full Coverage Avg. Premium||$139|
|Cheapest Insurance Company||MetroMile - $28/mo.|
The average cost to insure a 2009 Kia Borrego with liability only coverage is $86 monthly, while full coverage runs about $139 per month.
MetroMile offered the cheapest policy we found, with rates sometimes as little as $28 a month.
These average prices are a great starting point if you're in the market for a 2009 Kia Borrego, but there are several different factors 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.
2008 Kia Borrego Car Insurance
|Liability Only Avg. Premium||$62|
|Full Coverage Avg. Premium||$95|
|Cheapest Insurance Company||Gainsco - $32/mo.|
2008 Borrego drivers can expect to pay an average of $62 per month for liability or $95 for full coverage.
With premiums as cheap as just $32 monthly, Gainsco offered the lowest policy we found for the 2008 Kia Borrego.
If you want to know exactly how much you can expect to pay for your Borrego, just enter your ZIP code below and get several free quotes in minutes.
Kia Borrego Insurance FAQs
Is a Kia Borrego expensive to insure?
It costs less to insure a Kia Borrego when compared to the average vehicle. Liability insurance runs an average of $85 a month, while full coverage will cost you around $138.
How can I get the best price on car insurance for my Kia Borrego?
There's only one way to confirm you're getting the cheapest rates -- regularly shopping around and comparing quotes from numerous companies. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a whole range of carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.
Does the color of my Kia Borrego affect my insurance premiums?
You may have heard the old adage that it costs more to insure a red car, but that's actually not the case. There are a variety of things auto insurance companies think about when they decide how much your policy will be, but the color of your Borrego is not factored into that equation.
Do I need to have insurance before I buy a Kia Borrego?
You'll need to have a valid car insurance policy before you can legally drive your new (or new to you) Kia Borrego off the dealership lot. Some dealerships will offer you an auto insurance policy as part of the buying process, but the best thing to do when buying a a new SUV is to talk with your insurance carrier ahead of time.
What car insurance discounts can I get for my Kia Borrego?
You will find all sorts of discounts out there for car insurance. Many of them (like "pay-in-full discounts" and "multi-policy discounts") are more based on you than the vehicle you drive, but if your Borrego has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may qualify for certain discounts. The only way to know for sure is to contact your insurance company and ask about their list of discounts.