KIA Insurance Rates

The average cost of car insurance for a KIA model is about $2,200 per year.

This is $695 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 $2,532 $3,718 $4,350
KIA Forte Insurance Cost $2,291 $3,364 $3,936
KIA K5 Insurance Cost $2,064 $3,031 $3,546
KIA Niro Insurance Cost $1,906 $2,799 $3,274
KIA Optima Insurance Cost $2,348 $3,448 $4,033
KIA Rio Insurance Cost $2,254 $3,310 $3,873
KIA Rio 5 Insurance Cost $1,910 $2,804 $3,281
KIA Sedona Insurance Cost $1,949 $2,861 $3,347
KIA Sorento Insurance Cost $1,926 $2,828 $3,308
KIA Soul Insurance Cost $2,348 $3,448 $4,033
KIA Sportage Insurance Cost $1,919 $2,818 $3,296
KIA Stinger Insurance Cost $2,567 $3,769 $4,410
KIA Telluride Insurance Cost $2,588 $3,800 $4,446

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 $7,452 $10,943 $12,802
18 $6,945 $10,198 $11,930
19 $6,138 $9,013 $10,543
20 $5,352 $7,858 $9,193
21 $4,488 $6,590 $7,710
22 $4,371 $6,418 $7,508
23 $3,824 $5,616 $6,570
24 $3,633 $5,335 $6,241
25 $3,135 $4,604 $5,386
30 $2,443 $3,587 $4,196
35 $2,288 $3,359 $3,930
40 $2,200 $3,231 $3,779
45 $2,141 $3,144 $3,678
55 $1,963 $2,883 $3,373
65 $2,048 $3,007 $3,518
75 $2,585 $3,796 $4,441

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
Georgia $2,549 $3,812 $3,844
Wyoming $1,808 $2,532 $2,696
Wisconsin $1,937 $3,024 $3,449
West Virginia $1,943 $2,783 $3,487
Washington $1,931 $2,621 $3,130
Virginia $1,459 $2,240 $2,196
Vermont $1,549 $2,385 $2,521
Utah $2,012 $2,819 $3,879
Texas $2,365 $3,417 $4,250
Tennessee $2,348 $3,457 $4,604
South Dakota $1,997 $2,877 $3,320
South Carolina $2,226 $3,084 $4,257
Rhode Island $3,277 $4,807 $5,413
Pennsylvania $1,963 $2,882 $3,372
Oregon $2,330 $3,127 $3,735
Oklahoma $2,561 $3,667 $4,129
Ohio $1,604 $2,474 $2,536
North Dakota $1,798 $2,734 $3,233
North Carolina $1,314 $2,258 $1,610
New York $2,120 $2,670 $4,456
New Mexico $2,289 $3,405 $3,534
New Jersey $2,241 $3,517 $4,602
New Hampshire $2,034 $3,217 $4,067
Nevada $2,925 $4,338 $4,582
Nebraska $1,773 $2,622 $2,849
Montana $2,097 $2,927 $3,407
Missouri $2,063 $2,949 $3,875
Mississippi $2,190 $3,123 $3,143
Minnesota $1,814 $2,418 $3,405
Michigan $4,406 $6,714 $10,590
Massachusetts $1,826 $3,185 $1,826
Maryland $2,277 $3,314 $3,681
Maine $1,407 $1,945 $2,871
Louisiana $3,721 $5,624 $6,098
Kentucky $2,898 $4,254 $5,024
Kansas $2,005 $2,917 $3,412
Iowa $1,507 $2,067 $2,430
Indiana $1,902 $2,909 $3,264
Illinois $1,852 $2,799 $3,192
Idaho $1,769 $2,345 $2,851
Hawaii $1,018 $1,382 $1,018
Florida $3,127 $4,326 $5,638
Delaware $2,626 $3,500 $4,496
Connecticut $3,173 $4,920 $6,245
Colorado $2,483 $3,475 $4,409
California $2,661 $4,706 $2,661
Arkansas $2,390 $3,755 $4,134
Arizona $2,180 $3,151 $4,643
Alaska $1,928 $2,673 $2,598
Alabama $2,331 $3,386 $4,310