KIA Insurance Rates

The average cost of car insurance for a KIA model is about $1,527 per year.

This is $260 better than other popular brands. Our car insurance comparison studies assume a 40 year old good driver with full coverage and good credit, that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts. Many things can contribute to the actual rates. These variables include vehicle, age, location, mileage, credit score, driving record and more. Below you will find a chart that illustrates some of these differences. The tables further down show how these factors impact KIA insurance rates.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

KIA insurance rates will vary significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

Insurance Cost per KIA Model

Model Good Driver Recent Accident Poor Credit
KIA Cadenza Insurance Cost $1,799 $2,642 $3,091
KIA Forte Insurance Cost $1,526 $2,240 $2,620
KIA K5 Insurance Cost $1,456 $2,138 $2,501
KIA Niro Insurance Cost $1,392 $2,044 $2,391
KIA Optima Insurance Cost $1,563 $2,296 $2,685
KIA Rio Insurance Cost $1,486 $2,182 $2,552
KIA Rio 5 Insurance Cost $1,395 $2,048 $2,396
KIA Sedona Insurance Cost $1,423 $2,089 $2,444
KIA Sorento Insurance Cost $1,407 $2,066 $2,417
KIA Soul Insurance Cost $1,563 $2,296 $2,685
KIA Sportage Insurance Cost $1,402 $2,059 $2,408
KIA Stinger Insurance Cost $1,710 $2,511 $2,937
KIA Telluride Insurance Cost $1,724 $2,531 $2,961

The cost to insure a KIA model will differ significantly by the age of the driver. Younger drivers cost more to insure because they are much more likely to be at fault in an accident. That probability decreases dramatically by the time they turn 25 and so do the premiums. In fact, insurance cost by age continues to decline until after age 60, but the increases after are modest.

Credit plays a big role in premiums in most states. The under 25 crowd is far more likely to have very little credit established. The best way to mitigate this would be to join their family's multi-vehicle policy. Their rates will become more affordable as they age up and maintain a decent driving record. They can also build their credit at the same time. While paying car insurance doesn't improve credit on its own, using a credit card to so monthly can. As long as it's paid in full every billing cycle, of course. This is also an easy way to accumulate points on a rewards credit card as it's an expense required for every driver.

Insurance costs by age vary between brands based on resale values and safety ratings. If you're not set on a KIA, then see our insurance analysis and rankings for other makes and models here.

KIA Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $5,171 $7,593 $8,882
18 $4,819 $7,076 $8,278
19 $4,258 $6,253 $7,315
20 $3,713 $5,453 $6,379
21 $3,114 $4,573 $5,349
22 $3,033 $4,453 $5,210
23 $2,654 $3,896 $4,558
24 $2,521 $3,702 $4,331
25 $2,176 $3,194 $3,737
30 $1,695 $2,489 $2,911
35 $1,587 $2,331 $2,727
40 $1,527 $2,242 $2,622
45 $1,485 $2,181 $2,552
55 $1,362 $2,001 $2,340
65 $1,421 $2,087 $2,441
75 $1,794 $2,634 $3,081

KIA auto insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect KIA models by state.

Average KIA Insurance by State

State Good Driver Recent Accident Poor Credit
Alabama $1,617 $2,349 $2,990
Alaska $1,338 $1,855 $1,803
Arizona $1,512 $2,186 $3,221
Arkansas $1,658 $2,606 $2,869
California $1,846 $3,265 $1,846
Colorado $1,723 $2,411 $3,059
Connecticut $2,201 $3,414 $4,333
Delaware $1,822 $2,429 $3,119
Florida $2,170 $3,002 $3,912
Georgia $1,769 $2,645 $2,667
Hawaii $707 $959 $707
Idaho $1,228 $1,627 $1,978
Illinois $1,285 $1,942 $2,214
Indiana $1,320 $2,018 $2,265
Iowa $1,046 $1,434 $1,686
Kansas $1,391 $2,024 $2,367
Kentucky $2,011 $2,952 $3,486
Louisiana $2,582 $3,902 $4,231
Maine $976 $1,349 $1,992
Maryland $1,580 $2,299 $2,554
Massachusetts $1,267 $2,210 $1,267
Michigan $3,057 $4,659 $7,348
Minnesota $1,259 $1,678 $2,363
Mississippi $1,519 $2,167 $2,181
Missouri $1,431 $2,047 $2,689
Montana $1,455 $2,031 $2,364
Nebraska $1,230 $1,819 $1,977
Nevada $2,029 $3,010 $3,179
New Hampshire $1,412 $2,232 $2,822
New Jersey $1,555 $2,440 $3,193
New Mexico $1,588 $2,362 $2,452
New York $1,471 $1,852 $3,092
North Carolina $912 $1,567 $1,117
North Dakota $1,248 $1,896 $2,243
Ohio $1,113 $1,716 $1,760
Oklahoma $1,777 $2,544 $2,865
Oregon $1,617 $2,170 $2,591
Pennsylvania $1,362 $2,000 $2,340
Rhode Island $2,274 $3,335 $3,756
South Carolina $1,544 $2,140 $2,954
South Dakota $1,385 $1,996 $2,304
Tennessee $1,629 $2,398 $3,194
Texas $1,641 $2,371 $2,949
Utah $1,396 $1,956 $2,691
Vermont $1,074 $1,655 $1,749
Virginia $1,012 $1,554 $1,523
Washington $1,340 $1,818 $2,172
West Virginia $1,348 $1,931 $2,419
Wisconsin $1,344 $2,098 $2,393
Wyoming $1,255 $1,757 $1,871