KIA Insurance Rates

The average cost of car insurance for a KIA model is about $1,666 per year.

This is $559 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

The single best place to buy auto insurance.

Save time & money with real advice from auto insurance experts.

Call us at (855) 786-1144

M-F: 8AM – 9PM EST

Sat: 10AM – 6PM EST

How it works

Provide your zip code

Give us your location to provide quotes that are specific to your area.

Answer a few questions

Get total coverage for you and your vehicle in one simple process.

Get personalized quotes

Compare different providers, coverage, and prices that best meet your needs.

Finalize the Policy

A licensed insurance agent will call to set up your new and upgraded insurance policy.

MassDrive Insurance Group, LLC, is the licensed agent for all products. View the licensing information for MassDrive Insurance Group here

Insurance Cost per KIA Model

Model Good Driver Recent Accident Poor Credit
KIA Cadenza Insurance Cost $1,924 $2,825 $3,305
KIA Forte Insurance Cost $1,741 $2,556 $2,990
KIA K5 Insurance Cost $1,568 $2,303 $2,694
KIA Niro Insurance Cost $1,434 $2,106 $2,463
KIA Optima Insurance Cost $1,784 $2,620 $3,065
KIA Rio Insurance Cost $1,713 $2,515 $2,942
KIA Rio 5 Insurance Cost $1,437 $2,110 $2,468
KIA Sedona Insurance Cost $1,466 $2,152 $2,518
KIA Sorento Insurance Cost $1,449 $2,127 $2,489
KIA Soul Insurance Cost $1,784 $2,620 $3,065
KIA Sportage Insurance Cost $1,444 $2,120 $2,480
KIA Stinger Insurance Cost $1,951 $2,864 $3,351
KIA Telluride Insurance Cost $1,967 $2,888 $3,378

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 $5,644 $8,287 $9,695
18 $5,260 $7,723 $9,035
19 $4,648 $6,825 $7,985
20 $4,053 $5,951 $6,962
21 $3,399 $4,991 $5,838
22 $3,310 $4,861 $5,686
23 $2,896 $4,253 $4,975
24 $2,751 $4,040 $4,727
25 $2,375 $3,487 $4,079
30 $1,850 $2,716 $3,177
35 $1,732 $2,544 $2,976
40 $1,666 $2,447 $2,862
45 $1,621 $2,381 $2,785
55 $1,487 $2,183 $2,554
65 $1,551 $2,278 $2,664
75 $1,958 $2,875 $3,363

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 $1,765 $2,564 $3,264
Alaska $1,460 $2,024 $1,967
Arizona $1,651 $2,386 $3,516
Arkansas $1,810 $2,844 $3,131
California $2,015 $3,564 $2,015
Colorado $1,881 $2,632 $3,339
Connecticut $2,403 $3,726 $4,730
Delaware $1,989 $2,651 $3,405
Florida $2,368 $3,276 $4,269
Hawaii $771 $1,047 $771
Idaho $1,340 $1,776 $2,160
Illinois $1,402 $2,120 $2,417
Indiana $1,441 $2,203 $2,472
Iowa $1,141 $1,565 $1,840
Kansas $1,518 $2,209 $2,584
Kentucky $2,195 $3,222 $3,805
Louisiana $2,818 $4,259 $4,618
Maine $1,065 $1,473 $2,174
Maryland $1,724 $2,510 $2,787
Massachusetts $1,383 $2,412 $1,383
Michigan $3,337 $5,085 $8,020
Minnesota $1,373 $1,831 $2,579
Mississippi $1,658 $2,365 $2,381
Missouri $1,562 $2,234 $2,934
Montana $1,588 $2,216 $2,580
Nebraska $1,343 $1,986 $2,157
Nevada $2,215 $3,285 $3,470
New Hampshire $1,541 $2,436 $3,080
New Jersey $1,697 $2,663 $3,485
New Mexico $1,733 $2,578 $2,676
New York $1,606 $2,022 $3,375
North Carolina $995 $1,710 $1,220
North Dakota $1,362 $2,070 $2,448
Ohio $1,214 $1,873 $1,921
Oklahoma $1,939 $2,777 $3,126
Oregon $1,765 $2,368 $2,828
Pennsylvania $1,487 $2,182 $2,554
Rhode Island $2,482 $3,641 $4,099
South Carolina $1,685 $2,336 $3,224
South Dakota $1,512 $2,179 $2,514
Tennessee $1,778 $2,618 $3,487
Texas $1,791 $2,587 $3,218
Utah $1,524 $2,135 $2,938
Vermont $1,173 $1,806 $1,909
Virginia $1,105 $1,696 $1,663
Washington $1,463 $1,985 $2,370
West Virginia $1,472 $2,107 $2,640
Wisconsin $1,467 $2,290 $2,612
Wyoming $1,370 $1,917 $2,042
Georgia $1,931 $2,887 $2,911