KIA Insurance Rates

The average cost of car insurance for a KIA model is about $1,661 per year.

This is $406 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. 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

These KIA insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

Insurance Cost per KIA Model

Model Good Driver Recent Accident Poor Credit
KIA Cadenza Insurance Cost $1,978 $2,946 $3,482
KIA Forte Insurance Cost $1,677 $2,498 $2,952
KIA K5 Insurance Cost $1,600 $2,383 $2,817
KIA Niro Insurance Cost $1,529 $2,278 $2,693
KIA Optima Insurance Cost $1,718 $2,558 $3,024
KIA Rio Insurance Cost $1,633 $2,432 $2,875
KIA Rio 5 Insurance Cost $1,533 $2,284 $2,700
KIA Sedona Insurance Cost $1,452 $2,162 $2,556
KIA Sorento Insurance Cost $1,546 $2,303 $2,723
KIA Soul Insurance Cost $1,718 $2,558 $3,024
KIA Sportage Insurance Cost $1,431 $2,131 $2,519
KIA Stinger Insurance Cost $1,879 $2,799 $3,308
KIA Telluride Insurance Cost $1,894 $2,821 $3,335

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 $5,625 $8,378 $9,904
18 $5,242 $7,808 $9,230
19 $4,633 $6,900 $8,157
20 $4,039 $6,017 $7,112
21 $3,387 $5,045 $5,964
22 $3,299 $4,914 $5,808
23 $2,887 $4,300 $5,082
24 $2,742 $4,085 $4,828
25 $2,367 $3,525 $4,167
30 $1,843 $2,746 $3,246
35 $1,727 $2,572 $3,040
40 $1,661 $2,473 $2,924
45 $1,616 $2,407 $2,845
55 $1,482 $2,207 $2,609
65 $1,546 $2,303 $2,722
75 $1,951 $2,906 $3,435

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 $1,759 $2,465 $3,085
Alaska $1,455 $2,119 $2,221
Arizona $1,645 $2,552 $3,639
Arkansas $1,804 $2,732 $3,057
California $2,008 $3,513 $2,008
Colorado $1,874 $2,595 $3,237
Connecticut $2,394 $3,702 $4,742
Delaware $1,982 $2,729 $3,623
Florida $2,360 $3,206 $4,179
Georgia $1,924 $2,966 $3,043
Hawaii $769 $1,061 $769
Idaho $1,335 $1,797 $2,237
Illinois $1,398 $2,066 $2,396
Indiana $1,436 $2,244 $2,619
Iowa $1,138 $1,706 $1,988
Kansas $1,513 $2,228 $2,639
Kentucky $2,188 $3,291 $3,870
Louisiana $2,808 $4,292 $4,621
Maine $1,062 $1,424 $2,078
Maryland $1,718 $2,520 $2,976
Massachusetts $1,378 $2,331 $1,378
Michigan $3,326 $5,000 $7,687
Minnesota $1,369 $1,839 $2,722
Mississippi $1,653 $2,496 $2,637
Missouri $1,557 $2,145 $2,774
Montana $1,583 $2,477 $2,732
Nebraska $1,338 $1,895 $2,155
Nevada $2,207 $3,332 $3,655
New Hampshire $1,535 $2,475 $3,151
New Jersey $1,692 $2,667 $3,441
New Mexico $1,728 $2,486 $2,792
New York $1,600 $2,084 $3,364
North Carolina $992 $1,601 $1,234
North Dakota $1,358 $2,090 $2,652
Ohio $1,210 $1,980 $2,051
Oklahoma $1,933 $2,902 $3,292
Oregon $1,759 $2,657 $3,047
Pennsylvania $1,482 $2,240 $2,571
Rhode Island $2,473 $3,796 $4,341
South Carolina $1,680 $2,431 $3,469
South Dakota $1,507 $2,074 $2,488
Tennessee $1,772 $2,651 $3,345
Texas $1,785 $2,627 $3,298
Utah $1,518 $2,196 $3,028
Vermont $1,169 $1,869 $2,043
Virginia $1,101 $1,658 $1,761
Washington $1,458 $2,190 $2,582
West Virginia $1,467 $2,136 $2,638
Wisconsin $1,462 $2,134 $2,592
Wyoming $1,365 $2,006 $2,242

Other Important KIA Ownership Costs

Insurance is a major vehicle related expense. There are also some others to be aware of. See our cost analyses on depreciation, maintenance and financing for all KIA models. These will provide you with even more knowledge before making such an important financial decision.

Ready to start shopping for a KIA? We have millions of new and used vehicles listed. Here are some KIA models for sale in your area.

Have more questions on our data or methodologies? Great, we're skeptics too. Here are some common questions and answers.