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

Quick Facts

• A Kia Seltos costs more than most other SUVs to insure.

• Full coverage insurance for a Seltos tends to be around $159 per month, on average, while liability only insurance usually averages about $73 a month.

• NationalGeneral is the lowest car insurance company for a Seltos with a national average of just $41 monthly for liability only coverage.

Seltos Overview

With base prices starting at just $22,490 for 2022 models, the Kia Seltos is a great budget-friendly SUV for drivers of all types. You'll have your choice of four different trim levels, so you'll be sure to find an option to fit your style.

Based on thousands of auto insurance quotes from Compare.com, we've found that Kia Seltos insurance prices average out to around $144 per month. But how does that stack up to other similar SUVs out there on the market?

How Much is Car Insurance for a Kia Seltos?

You'll see in the table above that compared to other vehicles, Kia Seltos insurance rates are right about average. On average, Seltos owners can expect to pay around $73 a month for liability insurance, and about $159 per month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

Comparing it to other Kia models, the Seltos is slightly cheaper, with premiums more than 5% lower than the rest of the manufacturer's vehicle offerings. However, compared to other vehicles of a similar body style, Seltos coverage runs close to average, with liability insurance rates $8 cheaper than other SUVs and full coverage insurance prices coming in $7 higher.

The same applies when comparing the Kia Seltos to vehicles of any body type, no matter what make, model, or body style they are.

Who has the Cheapest Car Insurance for a Kia Seltos?

If you're searching for a new car insurance policy for your Kia Seltos, you probably want to know which carrier offers the lowest rates. Although premiums can differ considerably depending on your driver profile, Aspire offers the most affordable average rates for liability only coverage, with rates sometimes as little as $33 monthly. The runner up for cheapest rates is NationalGeneral, with car insurance policies starting as cheap as $41 a month.

Kemper, Kemper Personal Insurance, and Mercury finish off the rest of the top 5. 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.

Car insurance carriers take multiple different factors into consideration when calculating monthly rates. By reviewing quotes from many auto insurance companies at once, you can be confident you're finding the lowest rate.

What Factors Affect Car Insurance Rates for a Kia Seltos?

As we mentioned above, there are an array of variables that car insurance carriers take into account to decide how much they charge you -- and each company weighs different pieces more heavily than others, so there's not one single carrier that's the cheapest for every Seltos driver.

Here are just a few of the things car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

Since the Kia Seltos has only been around for one model year, vehicle age won't affect your cost in the same way it might for other vehicles. Usually, older cars will be cheaper to insure because they're worth less than newer models, and as cars get older, insurance costs will gradually get lower.

According to the table above, Seltos rates are $73 per month, on average.

Your Age

Your age is another factor that makes a big difference in how much insurance companies will charge you for a policy. Because the Kia Seltos is pretty new to the market, we're just starting to collect data on how age is affecting auto insurance premiums. So far, based on the table above, drivers under 24 pay more compared to those with more experience. In this case, drivers between 18 and 24 pay $44 more than those 25 or older.

Insurance prices continue to go down as you get older, with the cheapest age group for Seltos drivers being 65 years and older.

Your Gender

Men normally pay more for car 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 Seltos follows this convention, and women pay around $65 monthly for insurance and men pay about $88.

Where You Live

You might think it's common sense that variables such as how old you are and what vehicle you drive play a role in your auto insurance prices, but you may not realize that where you live can have just as much as an impact. Auto insurance is regulated at the state level, so premiums can shift quite a bit depending on what state you live in.

Because the Seltos is a relatively new vehicle, our state data is somewhat limited. Even so, you can see in the table above that New York has rates that are.

Kia Seltos Car Insurance Discounts

No matter your age, your car, or your home state, it's always a good idea to take advantage of as many car insurance discounts as possible.

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

• Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution
• Multi-vehicle discounts for insuring more than one of your cars with the same carrier
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher than average safety ratings
• Multi-policy discounts for getting both your home and auto policies from the same insurance company

However, discounts aren't the only way to save. Sometimes the best way to save is just by having a profile that looks good to auto insurance carriers.

Even though you don't have control over every variable insurance companies use 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 ones you can use to your advantage when it comes to saving some cash:

Your Driving Record

It's no secret that auto insurance carriers offer the most affordable prices to drivers with clean records. It shouldn't come as a surprise that if you get cited for speeding or get into an accident, car insurance rates will increase. But exactly how much can these infractions cost you?

Unfortunately, we don't have enough data on file for Kia Seltos drivers specifically, since it is a relatively new vehicle. However, we'll have a better idea of how much infractions will cost Seltos drivers when it comes to auto insurance as we see more and more of these on the road.

How Much You Drive

How much you drive plays a role when it comes to your insurance prices. Those who drive less are less likely to get speeding tickets, so they'll generally be offered more affordable premiums. Since the Kia Seltos is a new vehicle, our data is relatively limited, so we don't yet know how much annual driving distance will affect rates. So far, drivers who travel 0 - 2,500 miles each year are offered the highest rates.

If you work from home or drive less often than the average driver, it may be worth considering usage-based or pay-per-mile car insurance. With these kinds of coverage, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

How Do Kia Seltoses Compare to Other Vehicles?

If you're thinking about making a Kia Seltos your next purchase, it might be helpful to do your homework. Car insurance is just one cost that's associated with buying a new car, but it's guaranteed to be one that's worth considering carefully.

Check out the table below to see how the Kia Seltos compares:

With an MSRP that's a third less than the going rate for a new vehicle, the Kia Seltos is a great value when it comes to price. The Seltos retails at $22,490, which is much cheaper than the national average vehicle MSRP of $42,283.

Likewise, auto insurance premiums run below average when compared to other vehicles on the market. Liability insurance for a Kia Seltos is around $39 per month less than average, while full coverage is more than $50 cheaper a month.

When it comes to usage, Kia Seltos owners drive more miles annually than the national average, with 13,856 miles a year compared to 11,660 for all vehicles.

Kia Seltos Car Insurance Costs by Model Year

Thus far, you've seen how different things affect how much the average driver pays for car insurance. But if you're considering buying a new vehicle and the Seltos is one you're thinking about, having a good idea of exactly how much you'll pay can be extremely helpful as you weigh your choices and compare it to other vehicles on your shortlist.

For this reason, we've crunched the numbers and broken down Kia Seltos insurance prices by model year. Simply choose a specific Seltos model year in the dropdown below and see average rates for both liability only and full coverage. We've also included some other helpful info that might help you make a decision, like available trims, the cheapest insurance carrier, and base price for each Seltos model year.

2022 Kia Seltos Car Insurance

You can expect full coverage for a 2022 Kia Seltos to run about $115 per month, while liability only coverage will average around $42 monthly.

With rates as cheap as just $34 a month, Amica offered the cheapest policy we found for the 2022 Kia Seltos.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

2021 Kia Seltos Car Insurance

The average cost to insure a 2021 Seltos with liability only coverage is $74 monthly, while full coverage runs about $161 a month.

We found DirectGeneral offered the lowest policy, with rates sometimes as low as $29 per month.

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 Seltos Insurance FAQs

Is a Kia Seltos expensive to insure?

It costs more to insure a Kia Seltos when compared to the average vehicle. Liability insurance runs an average of $73 a month, while full coverage will cost you around $159.

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

There's only one way to be sure you're getting the most affordable rates -- regularly shopping around and getting quotes. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a variety 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 Seltos affect my insurance prices?

You've probably heard that it is more expensive to insure red cars that silver or white vehicles, but that's actually not the case. There are lots of factors car insurance carriers consider when they calculate how much you'll pay, but your car's color is not one of them.

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

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have an auto insurance policy in place. As part of the buying process, some dealerships may offer you a car insurance policy, but the best thing to do when buying a a new SUV is to let your auto insurance company know beforehand.

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

You will find a ton of discounts out there when it comes to insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are more based on you than the Seltos you drive, but if your Seltos has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may qualify for certain discounts. You'll only know about which discounts you qualify for if you reach out to your insurance carrier and ask about their discounts.