KIA Insurance Rates

The average cost of car insurance for a KIA model is about $1,565 per year.

This is $329 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 $1,762 $2,586 $3,026
KIA Forte Insurance Cost $1,594 $2,341 $2,739
KIA K5 Insurance Cost $1,471 $2,160 $2,526
KIA Niro Insurance Cost $1,406 $2,065 $2,415
KIA Optima Insurance Cost $1,634 $2,399 $2,807
KIA Rio Insurance Cost $1,568 $2,303 $2,694
KIA Rio 5 Insurance Cost $1,409 $2,069 $2,420
KIA Sedona Insurance Cost $1,437 $2,110 $2,468
KIA Sorento Insurance Cost $1,421 $2,086 $2,441
KIA Soul Insurance Cost $1,634 $2,399 $2,807
KIA Sportage Insurance Cost $1,416 $2,079 $2,432
KIA Stinger Insurance Cost $1,786 $2,623 $3,069
KIA Telluride Insurance Cost $1,801 $2,645 $3,094

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 $5,299 $7,782 $9,104
18 $4,939 $7,252 $8,484
19 $4,364 $6,409 $7,498
20 $3,806 $5,588 $6,537
21 $3,191 $4,686 $5,482
22 $3,108 $4,564 $5,339
23 $2,719 $3,994 $4,672
24 $2,584 $3,794 $4,438
25 $2,230 $3,274 $3,830
30 $1,737 $2,551 $2,984
35 $1,627 $2,389 $2,794
40 $1,565 $2,297 $2,688
45 $1,522 $2,236 $2,615
55 $1,396 $2,050 $2,398
65 $1,457 $2,139 $2,502
75 $1,838 $2,699 $3,158

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 $1,658 $2,408 $3,065
Alaska $1,371 $1,901 $1,848
Arizona $1,550 $2,241 $3,301
Arkansas $1,700 $2,670 $2,940
California $1,892 $3,346 $1,892
Colorado $1,766 $2,471 $3,136
Connecticut $2,256 $3,499 $4,441
Delaware $1,868 $2,489 $3,197
Florida $2,224 $3,077 $4,009
Georgia $1,813 $2,711 $2,733
Hawaii $724 $983 $724
Idaho $1,258 $1,668 $2,028
Illinois $1,317 $1,991 $2,270
Indiana $1,353 $2,068 $2,321
Iowa $1,072 $1,470 $1,728
Kansas $1,426 $2,074 $2,426
Kentucky $2,061 $3,026 $3,573
Louisiana $2,646 $3,999 $4,336
Maine $1,000 $1,383 $2,042
Maryland $1,619 $2,356 $2,617
Massachusetts $1,298 $2,265 $1,298
Michigan $3,133 $4,775 $7,531
Minnesota $1,290 $1,720 $2,421
Mississippi $1,557 $2,221 $2,235
Missouri $1,467 $2,097 $2,755
Montana $1,492 $2,081 $2,422
Nebraska $1,261 $1,864 $2,026
Nevada $2,080 $3,085 $3,259
New Hampshire $1,447 $2,288 $2,892
New Jersey $1,594 $2,501 $3,272
New Mexico $1,628 $2,421 $2,513
New York $1,508 $1,899 $3,169
North Carolina $935 $1,606 $1,145
North Dakota $1,279 $1,944 $2,299
Ohio $1,140 $1,759 $1,803
Oklahoma $1,821 $2,607 $2,936
Oregon $1,657 $2,223 $2,656
Pennsylvania $1,396 $2,049 $2,398
Rhode Island $2,331 $3,418 $3,849
South Carolina $1,583 $2,193 $3,027
South Dakota $1,420 $2,046 $2,361
Tennessee $1,670 $2,458 $3,274
Texas $1,682 $2,429 $3,022
Utah $1,431 $2,005 $2,758
Vermont $1,101 $1,696 $1,793
Virginia $1,037 $1,593 $1,561
Washington $1,373 $1,864 $2,225
West Virginia $1,382 $1,979 $2,479
Wisconsin $1,378 $2,150 $2,453
Wyoming $1,286 $1,800 $1,917