A Kia Sephia is less expensive to insure than the average car.
Liability car insurance for a Sephia tends to be about $68 monthly, while full coverage normally runs around $116 per month.
AssuranceAmerica provides the lowest average premiums for a Sephia with liability only coverage offered for as cheap as just $23 a month.
In This Article
With a base price of just $10,595 for 2001 models, the Kia Sephia is a great car for all budgets. The Sephia is not just on the affordable end of the spectrum when it comes to overall price point, it's also a great choice for your budget when considering your auto insurance prices.
After analyzing thousands of insurance quotes through Compare.com, we've determined that average Kia Sephia car insurance premiums run about $78 monthly. But how does that stack up to other similar cars out there on the market?
|Current Base Price||$10,595|
|Average Insurance Premium||$78/mo.|
|Cheapest Insurance Company||AssuranceAmerica|
How Much is Car Insurance for a Kia Sephia?
|Vehicle||Liability Only||Full Coverage|
|All Kia Models||$85||$170|
|Average Insurance Premium||$81||$169|
In the table above, you'll see that when you compare the Kia Sephia to other vehicles, insurance rates are cheaper than average. On average, Sephia owners can expect to pay around $68 per month for liability insurance, and about $116 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on these different types of insurance).
When you compare it to other Kia models, the Sephia is more affordable, with prices more than 10% lower than the rest of the manufacturer's vehicle lineup. Compared to offerings from other brands, auto insurance for a Sephia is also more affordable, with liability only insurance rates coming in around 18% less and 34% less for full coverage.
When compared to all vehicles, regardless of make, body style, or model, the Sephia follows a similar pattern of having below average insurance premiums.
Who has the Cheapest Car Insurance for a Kia Sephia?
|Insurance Company||Average Monthly Premium|
If you're in the market for an auto insurance policy for a Kia Sephia, you may be wondering which company offers the lowest premiums. Although prices can differ pretty significantly depending on your driver profile, MetroMile offers the most affordable average rates for liability only coverage, with rates as little as $21 a month. With car insurance as cheap as $23 per month, AssuranceAmerica is the next cheapest car insurance carrier.
Finishing off the rest of the top 5 are Commonwealth Casualty, Jupiter, and American Family. However, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.
Auto insurance companies take several different things into consideration when calculating monthly rates. By getting quotes from a wide array of insurance carriers at once, you can guarantee you're finding the most affordable rate.
What Factors Affect Car Insurance Rates for a Kia Sephia?
There are lots of pieces that auto insurance companies take a look at to choose how much they charge you for car insurance -- and each company uses a different method, so there's not a singular carrier that's the lowest for everyone.
The following sections show a whole range of variables insurance carriers use to calculate rates:
|Vehicle Age||Average Monthly Premium|
|Less than 1 Year||No Recent Models|
|2-3 Years||No Recent Models|
|4-5 Years||No Recent Models|
|6-7 Years||No Recent Models|
|8-10 Years||No Recent Models|
|11-14 Years||No Recent Models|
|15 Years or Older||$68|
The Kia Sephia has been around for a while -- that means vehicle age can play a big role in what you end up paying for car insurance. Generally, older cars will be cheaper to insure because they're worth less than newer models, and as cars get older, insurance costs will gradually decrease.
Since a new model has not been added to the market for at least 5 years, the Sephia won't really fit this trend. However, as you can see in the table above, the cheapest Kia Sephias to insure are those that are 15 years old or more, while the most expensive models are Sephias that are 15 years old or more, on average.
|Age||Average Monthly Premium|
|65 or Older||$54|
Age makes a significant difference in how much auto insurance companies will charge for insurance. Based on the information above, teenage Sephia drivers have more expensive rates than those with more experience. In this case, drivers under 18 pay more than twice as much as those 25 or older.
Insurance prices continue to go lower as you get older, with the cheapest age group being 55-64 for Sephia drivers.
|Gender||Average Monthly Premium|
Did you know men generally pay more for car insurance than women? This is because women are less likely to get into collisions and get speeding tickets, which lowers the chances of an insurance claim. Surprisingly, when it comes to Sephia drivers specifically, men pay about $10 less than women per month for auto insurance.
Where You Live
|State||Average Monthly Premium|
You might already know that factors like how old you are and what vehicle you drive play a role in your insurance premiums, but did you know that where you live is equally important? Because auto insurance is regulated on the state level rather than nationally, rates shift quite a bit from state to state.
For example, the average Kia Sephia driver in New York pays around $148 monthly for liability coverage. Meanwhile, the same owner from California will pay less than half of that price, on average. The table referenced above shows average premiums for the top 10 most populous states, just to give you a good idea of how much prices can change across states.
Kia Sephia Car Insurance Discounts
No matter which vehicle you drive, what state you call home, or how old you are, using as many discounts as possible when it comes to your car insurance policy is always important.
Even though all insurance carriers offer their own unique discounts, there are a few that you'll find with most insurers. These include things like:
- Pay-in-full discounts for choosing to pay your entire policy price at once, rather than by monthly payments
- Multi-policy discounts for getting both your home and auto policies from the same insurance company
- Multi-vehicle discounts for having more than one car on your auto policy
- Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution
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 companies.
Even though you may not be able to control every factor car insurance carriers take into account to calculate rates (like some of the ones mentioned above), you can influence some of them. Below are just a few of the ones you can use to your advantage in order to save money on auto insurance:
Your Driving Record
|Infractions||Average Monthly Premium|
It's no secret that car insurance companies offer the cheapest prices to drivers with clean records. It makes sense that your insurance premiums will get higher if you get a ticket for speeding or get into a collision. But exactly how much can it cost you for these infractions?
As you can see, accidents will usually cost Sephia drivers less than tickets, but both will cause a significant increase in rates. Kia Sephia drivers with a single ticket will pay an average of $108 per month, while drivers with one accident on their record pay about $61 every month. Those with multiple kinds of either violation will end up paying even more.
How Much You Drive
|Annual Mileage||Average Monthly Premium|
The amount of miles you drive annually impacts your auto insurance rates. Drivers who are on the roads less have fewer opportunities to get into an accident, so they'll typically be offered more affordable prices. In the table above, you can see that Kia Sephia owners who drive fewer than 2,500 miles a year pay an average of $56 a month for insurance, while those who put 10,000 miles or more on their cars pay $75.
But if you work from home or drive less often than the average driver, it may be worth reviewing pay-per-mile or usage-based car insurance. With these kinds of coverage, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.
How Do Kia Sephias Compare to Other Vehicles?
If you're thinking about making a Kia Sephia your next car, you're probably wondering how it compares to other vehicles. Car insurance is just one cost that's associated with a new car purchase, but it's certainly one that's worth considering carefully.
Review the table below to see how the Kia Sephia stacks up:
|Kia Sephia||National Average|
|Full Coverage Insurance||$112||$169|
|Average Annual Mileage||9,103||11,660|
With an MSRP that's less than half of the going rate for a new vehicle, the Kia Sephia is a great value for any budget. The Sephia starts at $10,595, which is quite a bit lower than the national average vehicle MSRP of $27,209. A used Sephia will be even less expensive, since there hasn't been a new model on the market recently.
In the same fashion, auto insurance premiums are cheaper when compared to the rest of the vehicle market. Liability insurance for a Kia Sephia is about $18 per month less than average, while full coverage is more than $50 cheaper monthly.
When it comes to usage, Kia Sephia drivers are much lower than the national average in annual miles driven, with 11,660 miles for all vehicles each year compared to the Sephia's 9,103 a year.
Kia Sephia Car Insurance Costs by Model Year
We've walked through many of the variables that can affect a driver's insurance rates. If you're considering buying a new Sephia, having a good idea of how much you'll likely pay can be extremely helpful as you weigh your choices.
For this reason, we've broken down Kia Sephia car insurance prices by model year. Simply find the model year you want in the dropdown to see average rates for both full coverage and liability only options. We've included some additional information you might find helpful, too, like who offers the most affordable policies, which trim levels are offered, and the base MSRP for each year the Sephia has been around.
2001 Kia Sephia Car Insurance
|Liability Only Avg. Premium||$63|
|Full Coverage Avg. Premium||$112|
|Cheapest Insurance Company||MetroMile - $21/mo.|
The average cost to insure a 2001 Kia Sephia with liability only coverage is $63 per month, while full coverage runs around $112 a month.
With premiums sometimes as low as $21 monthly, MetroMile offered the cheapest policy we found for the 2001 Kia Sephia.
If you want to know just how much your rate will be, just enter your ZIP code below and get free quotes in minutes.
2000 Kia Sephia Car Insurance
|Liability Only Avg. Premium||$83|
|Full Coverage Avg. Premium||$127|
|Cheapest Insurance Company||AssuranceAmerica - $23/mo.|
It costs about $83 a month for liability or $127 for a full coverage policy for the 2000 Sephia.
We found AssuranceAmerica offered the lowest policy, with rates sometimes as little as $23 per month.
Want something more accurate than nationwide averages? Just enter your ZIP code below to get several free personalized quotes.
1999 Kia Sephia Car Insurance
|Liability Only Avg. Premium||$57|
|Full Coverage Avg. Premium||$154|
|Cheapest Insurance Company||Commonwealth Casualty - $20/mo.|
You can expect full coverage for a 1999 Kia Sephia to run around $154 monthly, while liability only coverage will average about $57 a month.
Commonwealth Casualty has prices as low as just $20 per month for the 1999 Kia Sephia.
If you want to know exactly how much you can expect to pay for your Sephia, just enter your ZIP code below and get several free quotes in minutes.
1998 Kia Sephia Car Insurance
|Liability Only Avg. Premium||$71|
|Full Coverage Avg. Premium||$76|
|Cheapest Insurance Company||DirectGeneral - $22/mo.|
1998 Sephia drivers can expect to pay an average of $71 a month for liability or $76 for full coverage.
Looking for the most affordable policy? DirectGeneral offered liability only coverage for sometimes as cheap as $22 per month.
While these are good estimates of what the average driver might pay to insure a 1998 Kia Sephia, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.
1997 Kia Sephia Car Insurance
|Liability Only Avg. Premium||$75|
|Full Coverage Avg. Premium||$94|
|Cheapest Insurance Company||Mercury - $24/mo.|
|Available Trims||RS/LS, RS/LS/GS|
On average, drivers who own a 1997 Kia Sephia can expect to pay $75 to $94 monthly for liability only and full coverage auto insurance, respectively.
If you're looking for the most affordable 1997 Kia Sephia insurance policy, Mercury offered the cheapest policy we found, with rates as low as $24 a month.
If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.
1996 Kia Sephia Car Insurance
|Liability Only Avg. Premium||$68|
|Full Coverage Avg. Premium||$142|
|Cheapest Insurance Company||Mercury - $21/mo.|
|Available Trims||RS, RS/LS/GS|
The average cost to insure a 1996 Sephia with liability only coverage is $68 monthly, while full coverage runs around $142 per month.
With premiums as little as just $21 a month, Mercury offered the lowest policy we found.
Want to know just how much you'll pay? Enter your ZIP code below to get a variety of customized quotes for free.
1995 Kia Sephia Car Insurance
|Liability Only Avg. Premium||$46|
|Full Coverage Avg. Premium||$80|
|Cheapest Insurance Company||Mapfre - $22/mo.|
1995 Kia Sephia drivers can expect to pay an average of $46 monthly for liability or $80 for full coverage.
Mapfre offered the most affordable policy we found, with rates sometimes as little as $22 per month.
If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.
1994 Kia Sephia Car Insurance
|Liability Only Avg. Premium||$60|
|Full Coverage Avg. Premium||$69|
|Cheapest Insurance Company||Workmens - $22/mo.|
You can expect full coverage for a 1994 Sephia to run about $69 a month, while liability only coverage will average around $60 monthly.
We found Workmens offered the lowest policy, with rates sometimes as low as $22 per month.
If you want to find the best rates for insurance for a 1994 Kia Sephia, enter your ZIP code below and compare many personalized quotes in just a few minutes.
Kia Sephia Insurance FAQs
Is a Kia Sephia expensive to insure?
The Kia Sephia is relatively cheap to insure compared to the average vehicle. Liability insurance runs an average of $68 monthly, while full coverage will cost you around $116.
How can I get the best price on car insurance for my Kia Sephia?
There's only one way to be confident you're getting the cheapest rates -- regularly shopping around and comparing quotes from a lot of carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a variety of companies 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 Sephia affect my insurance premiums?
You've probably heard that it is more expensive to insure red cars that silver or white vehicles, but that's actually not true. While there are many things car insurance carriers use when they offer you a premium, the color of your car is not factored into that decision.
Do I need to have insurance before I buy a Kia Sephia?
Before you can legally drive your new (or new to you) Kia Sephia off the dealership lot, you'll need to have valid insurance for it. Some dealerships may offer you an insurance policy as part of the car-buying process, but the easiest thing to do is to let your auto insurance carrier know before you buy.
What car insurance discounts can I get for my Kia Sephia?
You will find a ton of discounts out there when it comes to car insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are more based on you than the vehicle you drive, but if your Sephia has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may qualify for certain discounts. The only way to find out which discounts you might get is to talk with your insurance agent and ask about which discounts they offer, since they vary quite a bit from company to company.