How Much Does KIA Car Insurance Cost?
The typical monthly insurance cost for a KIA is $186, adding up to about $2,239 per year.
We’ve saved shoppers an average of $600 per year on their car insurance.
The cost of insuring a KIA varies based on several factors, including your age, driving history, and where you live. Car insurance companies use this information to determine the risk of insuring your KIA and set your premium accordingly.
Insurance Cost Per KIA Model
| KIA Model | Average Yearly Insurance Cost |
| KIA Cadenza | $2,536 |
| KIA Forte | $2,284 |
| KIA Niro | $1,916 |
| KIA Optima | $2,353 |
| KIA Rio | $2,262 |
| KIA Sedona | $1,959 |
| KIA Sorento | $1,916 |
| KIA Soul | $2,350 |
| KIA Sportage | $1,914 |
| KIA Stinger | $2,558 |
| KIA Telluride | $2,579 |
Keep in mind that these numbers are just averages. The actual cost can change based on where you live, your age, your driving record, and the type of coverage you select.
KIA Car Insurance Cost – By Company
| Insurance Provider | Average Monthly Premium |
| Nationwide | $121 |
| Travelers | $210 |
| Safeco | $180 |
| Allstate | $137 |
KIA Car Insurance Cost – By U.S. State
| State | Average Annual Rate |
| Alabama | $2,329 |
| Alaska | $1,926 |
| Arizona | $2,182 |
| Arkansas | $2,391 |
| California | $2,661 |
| Colorado | $2,489 |
| Connecticut | $3,171 |
| Delaware | $2,622 |
| Florida | $3,117 |
| Hawaii | $1,026 |
| Idaho | $1,770 |
| Illinois | $1,850 |
| Indiana | $1,892 |
| Iowa | $1,497 |
| Kansas | $2,003 |
| Kentucky | $2,895 |
| Louisiana | $3,726 |
| Maine | $1,417 |
| Maryland | $2,271 |
| Massachusetts | $1,831 |
| Michigan | $4,405 |
| Minnesota | $1,809 |
| Mississippi | $2,197 |
| Missouri | $2,061 |
| Montana | $2,106 |
| Nebraska | $1,767 |
| Nevada | $2,920 |
| New Hampshire | $2,042 |
| New Jersey | $2,231 |
| New Mexico | $2,296 |
| New York | $2,111 |
| North Carolina | $1,308 |
| North Dakota | $1,788 |
| Ohio | $1,595 |
| Oklahoma | $2,555 |
| Oregon | $2,332 |
| Pennsylvania | $1,954 |
| Rhode Island | $3,270 |
| South Carolina | $2,219 |
| South Dakota | $1,993 |
| Tennessee | $2,348 |
| Texas | $2,359 |
| Utah | $2,008 |
| Vermont | $1,554 |
| Virginia | $1,461 |
| Washington | $1,932 |
| West Virginia | $1,937 |
| Wisconsin | $1,943 |
| Wyoming | $1,809 |
| Georgia | $2,553 |
How To Save Money On KIA Car Insurance?
Owning a KIA comes with various expenses, and car insurance is one of the largest. However, you can still find ways to save on your insurance. Here’s how:
1. Maintain a Clean Driving Record
Your driving history is important to insurance companies when setting your premium. By avoiding accidents and traffic tickets, you show insurers that you’re a low-risk driver, which can significantly lower your insurance costs.
2. Bundle Your Policies
Many insurers offer discounts if you combine multiple policies, like home and auto insurance. This not only makes managing your insurance easier but also saves you money on premiums.
3. Raise Your Deductible
Increasing your deductible—the amount you pay out of pocket before your insurance covers the rest—can lower your premium. Just make sure you can afford the higher deductible if you have an accident.
4. Install Safety Features
KIA vehicles come with many safety features, but adding extras like anti-theft devices can further reduce your insurance costs by lowering the risk of theft and damage.
5. Take Advantage of Discounts
Insurance companies often offer discounts for things like being a good student, having a clean driving record, or completing a defensive driving course. Ask your insurer about any discounts you might qualify for.
6. Shop Around
Insurance premiums can vary widely between different providers. It’s important to compare quotes and choose the insurer that offers the best value for your needs.
7. Consider Usage-Based Insurance
If you don’t drive your KIA often, think about usage-based insurance. This type of policy bases your premium on how much you drive, potentially saving you money if your KIA isn’t your main vehicle.
