Kia drivers pay around $324 per month for full coverage car insurance, according to Jerry’s analysis.
Jerry Insights
- Kia insurance rates have risen, partly due to past theft surges; however, improved anti-theft measures led to a drop in thefts, which stabilized rates for newer models.
- Insurance costs vary widely based on model, state, and personal factors like driving record and location. For example, the Kia Soul is cheaper to insure than the Telluride due to a lower MSRP.
- Drivers can reduce premiums by enrolling in telematics programs like Kia’s Driver Connect, bundling policies, comparing quotes, and choosing less coverage for older or fully paid-off vehicles.
Kia insurance rates might be higher than average due to a recent surge in thefts, but the brand’s emphasis on bold design and cutting-edge technology could make it worth the extra cost for some drivers. Kia, once known for more budget-friendly options, has been steadily climbing the automotive ladder with a focus on stylish exteriors and advanced safety features.
Founded in 1944 as a bicycle manufacturer, Kia is the oldest Korean automaker and the fifth-largest vehicle company in the world.
Average Kia car insurance costs
The average cost of Kia car insurance is $324 per month for full coverage, according to real quotes from Jerry customers. State minimum coverage is available for an average of $138, but this insurance won’t cover the cost to repair or replace your vehicle if you’re in an accident.
Kias are more expensive to insure today and some insurers refuse to cover older models due to a risk of theft, though the likelihood that your vehicle will be stolen is only one factor that insurers use to determine your premium. Your age, driving record and location also play an important role in your insurance costs.
Compare the average quotes for full coverage for Kia models, based on Jerry’s customer data.
|
Kia Model
|
Average full coverage cost
|
|---|
|
Kia Model
|
Average full coverage cost
|
|---|---|
| Amanti | $257 |
| Borrego | $243 |
| Cadenza | $323 |
| Forte | $353 |
| K5 | $440 |
| K900 | $474 |
| Niro | $317 |
| Optima | $338 |
| Rio | $314 |
| Rio5 | $129 |
| Rondo | $207 |
| Sedona | $235 |
| Sephia | $173 |
| Sorento | $276 |
| Soul | $275 |
| Spectra | $265 |
| Spectra5 | $363 |
| Sportage | $291 |
| Stinger | $432 |
| Telluride | $297 |
Click for average rates by model for minimum coverage insurance.
|
Kia Model
|
Average minimum coverage cost
|
|---|
|
Kia Model
|
Average minimum coverage cost
|
|---|---|
| Amanti | $143 |
| Borrego | $141 |
| Cadenza | $152 |
| Forte | $146 |
| K5 | $154 |
| K900 | $177 |
| Niro | $129 |
| Optima | $149 |
| Rio | $144 |
| Rio5 | $81 |
| Rondo | $107 |
| Sedona | $117 |
| Sephia | $95 |
| Sorento | $130 |
| Soul | $123 |
| Spectra | $154 |
| Spectra5 | $209 |
| Sportage | $128 |
| Stinger | $134 |
| Telluride | $113 |
If you have a loan or lease on your vehicle, the lender will require
Factors that affect Kia car insurance costs
How much you pay to insure a Kia depends on a few factors.
- Personal factors: Your age, location, driving record, insurance history and level of insurance coverage all influence your premium.
- Safety features: Newer Kias are usually equipped with several safety features, such as lane departure warning and automatic emergency braking. Some insurers provide discounts when a car has these features.
- Vehicle cost: Kias that are more expensive to repair or replace will cost more to insure.
- Safety ratings: The Kia K4, EV9 and Telluride received Insurance Institute for Highway Safety’s 2025 Top Safety Pick+ awards.
- Theft rates: While Kia had one of the highest rates of theft in 2023, it bolstered anti-theft measures, which led to a 37.5% drop in thefts in 2024. Higher claims may increase insurance costs or lead insurance providers to opt out of issuing new policies for certain older models.
About Kia’s own insurance company
Kia owners can opt into a telematics program that shares driving data with Kia and its partner, LexisNexis® Risk Solutions. Once you enroll in Kia Connect, you’ll receive a Driving Score based on five key factors of your actual driving: annual mileage, hard braking, average trip speed, highway speeding and time of day driving.
When sharing driving data with Kia Connect, you may be eligible for Kia’s Usage-Based Insurance Program. This optional program offers personalized quotes from participating car insurance companies based on your driving history.
Average cost of Kia car insurance, by state
While the average cost of Kia car insurance is $324 per month for full coverage, rates vary by state due to frequency and severity of claims, state regulations and other factors. Comparing quotes is key to finding the most affordable insurance for Kia vehicles, especially if you’ve moved from one state to another.
|
State
|
Average full coverage cost
|
|---|
|
State
|
Average full coverage cost
|
|---|---|
| AL | $209 |
| AR | $272 |
| AZ | $277 |
| CA | $327 |
| CO | $304 |
| CT | $365 |
| DC | $437 |
| DE | $294 |
| FL | $385 |
| GA | $415 |
| IA | $138 |
| ID | $132 |
| IL | $218 |
| IN | $209 |
| KS | $217 |
| KY | $339 |
| LA | $430 |
| MA | $317 |
| MD | $435 |
| ME | $141 |
| MI | $366 |
| MN | $248 |
| MO | $280 |
| MS | $230 |
| MT | $193 |
| NC | $221 |
| ND | $170 |
| NE | $265 |
| NH | $103 |
| NJ | $361 |
| NM | $230 |
| NV | $504 |
| NY | $654 |
| OH | $210 |
| OK | $235 |
| OR | $248 |
| PA | $293 |
| RI | $316 |
| SC | $311 |
| SD | $304 |
| TN | $226 |
| TX | $328 |
| UT | $210 |
| VA | $290 |
| VT | $119 |
| WA | $280 |
| WI | $206 |
| WV | $235 |
| WY | $178 |
Best companies for Kia car insurance
Jerry analyzes rates received by our customers to find the best car insurance companies for each type of car. Here’s our list of the best insurance companies for Kia owners.
| Insurance company | Best for: | Jerry star rating (out of 5) |
|---|---|---|
| Geico | Overall car insurance. | 5 |
| Auto-Owners | Small insurance company. | 4.9 |
| Nationwide | Usage-based insurance. | 4.7 |
| Allstate | Discounts. | 4.7 |
| Farmers | Customizable options. | 4.6 |
| Progressive | Loyal policyholders. | 4.6 |
Click here to explore car insurance by state
Cheapest car insurance companies for Kia
Shopping for multiple quotes enables you to receive the cheapest rates for your Kia.
Consider whether you need full coverage or if lower limits are more appropriate. Full coverage could pay for repairs if your Kia is damaged in situations such as collisions, weather-related damage, fire and theft.
While you’ll save on your monthly premium with lower coverage, you’ll pay more out of pocket if you’re at-fault in an accident.
This table highlights the cheapest car insurance companies for Kia vehicles for full coverage.
|
Insurance Company
|
Average full coverage cost
|
|---|
|
Insurance Company
|
Average full coverage cost
|
|---|---|
| Anchor General | $215 |
| Aspire Advantage | $223 |
| Safeco | $231 |
| Mercury | $236 |
| ROOT | $260 |
| $365 | |
| $437 | |
| $294 | |
| $385 | |
| $415 | |
| $138 | |
| $132 | |
| $218 | |
| $209 | |
| $217 | |
| $339 | |
| $430 | |
| $317 | |
| $435 | |
| $141 | |
| $366 | |
| $248 | |
| $280 | |
| $230 | |
| $193 | |
| $221 | |
| $170 | |
| $265 | |
| $103 | |
| $361 | |
| $230 | |
| $504 | |
| $654 | |
| $210 | |
| $235 | |
| $248 | |
| $293 | |
| $316 | |
| $311 | |
| $304 | |
| $226 | |
| $328 | |
| $210 | |
| $290 | |
| $119 | |
| $280 | |
| $206 | |
| $235 | |
| $178 |
Kias that are leased or financed typically need full coverage to protect the lender in case the car is a total loss before it’s paid off. However, this coverage only pays the actual cash value of your Kia, which may be lower than what you owe on your loan. You can add a gap insurance policy to cover the difference and avoid paying out of pocket.
Kias that are fully paid off only need state-mandated minimum coverage. While this may save you money on your premium, it does not cover most damages to your vehicle and it may not cover your medical bills if you’re injured in an accident.
According to real auto insurance quotes from Jerry customers, the lowest insurance rates for minimum coverage is offered by these insurers
|
Insurance Company
|
Average minimum coverage cost
|
|---|
|
Insurance Company
|
Average minimum coverage cost
|
|---|---|
| Aspire Advantage | $95 |
| Geico | $96 |
| Safeco | $99 |
| Mercury | $100 |
| ROOT | $115 |
| $365 | |
| $437 | |
| $294 | |
| $385 | |
| $415 | |
| $138 | |
| $132 | |
| $218 | |
| $209 | |
| $217 | |
| $339 | |
| $430 | |
| $317 | |
| $435 | |
| $141 | |
| $366 | |
| $248 | |
| $280 | |
| $230 | |
| $193 | |
| $221 | |
| $170 | |
| $265 | |
| $103 | |
| $361 | |
| $230 | |
| $504 | |
| $654 | |
| $210 | |
| $235 | |
| $248 | |
| $293 | |
| $316 | |
| $311 | |
| $304 | |
| $226 | |
| $328 | |
| $210 | |
| $290 | |
| $119 | |
| $280 | |
| $206 | |
| $235 | |
| $178 |
Kia Soul insurance costs
The average car insurance cost for a Kia Soul is $275 per month, according to Jerry’s data analysis of full coverage quotes. Minimum coverage is available for $123 per month.
|
Kia Soul trim
|
Average monthly cost
|
|---|
|
Kia Soul trim
|
Average monthly cost
|
|---|---|
| Kia Soul | $264 |
| Kia Soul ! | $247 |
| Kia Soul + | $269 |
| Kia Soul Ev | $333 |
| Kia Soul Ev + | $401 |
| $365 | |
| $437 | |
| $294 | |
| $385 | |
| $415 | |
| $138 | |
| $132 | |
| $218 | |
| $209 | |
| $217 | |
| $339 | |
| $430 | |
| $317 | |
| $435 | |
| $141 | |
| $366 | |
| $248 | |
| $280 | |
| $230 | |
| $193 | |
| $221 | |
| $170 | |
| $265 | |
| $103 | |
| $361 | |
| $230 | |
| $504 | |
| $654 | |
| $210 | |
| $235 | |
| $248 | |
| $293 | |
| $316 | |
| $311 | |
| $304 | |
| $226 | |
| $328 | |
| $210 | |
| $290 | |
| $119 | |
| $280 | |
| $206 | |
| $235 | |
| $178 |
A long-standing entry-level hatchback in Kia’s lineup, the starting MSRP for the 2025 Soul ranges from $20,490 to $24,790, depending on the trim you select. The Soul offers safety features like automatic emergency braking, as well as convenience factors like Apple CarPlay and Android Auto.
The Kia Soul represents the cheapest vehicle in Kia’s lineup and, according to Jerry’s data, is generally cheaper to insure than the most expensive gas-powered SUV, the Kia Telluride.
Kia Telluride insurance costs
The average premium for a Kia Telluride is $300 per month for full coverage and $115 for minimum coverage, according to quotes for real Jerry customers.
A more complex and more expensive vehicle like the Telluride generally costs more to insure than a cheaper vehicle like the Kia Soul. Here are the average quotes for Kia Telluride car insurance from Jerry’s data.
|
Kia Telluride trim
|
Average monthly cost
|
|---|
|
Kia Telluride trim
|
Average monthly cost
|
|---|---|
| Kia Telluride Ex | $303 |
| Kia Telluride Lx | $300 |
| Kia Telluride S | $288 |
| Kia Telluride Sx | $308 |
| Kia Soul Ev + | $401 |
| $365 | |
| $437 | |
| $294 | |
| $385 | |
| $415 | |
| $138 | |
| $132 | |
| $218 | |
| $209 | |
| $217 | |
| $339 | |
| $430 | |
| $317 | |
| $435 | |
| $141 | |
| $366 | |
| $248 | |
| $280 | |
| $230 | |
| $193 | |
| $221 | |
| $170 | |
| $265 | |
| $103 | |
| $361 | |
| $230 | |
| $504 | |
| $654 | |
| $210 | |
| $235 | |
| $248 | |
| $293 | |
| $316 | |
| $311 | |
| $304 | |
| $226 | |
| $328 | |
| $210 | |
| $290 | |
| $119 | |
| $280 | |
| $206 | |
| $235 | |
| $178 |
Kia’s premium SUV seats up to eight, can tow up to 5,500 pounds and includes 17 driver assist features standard on every vehicle. With starting MSRPs ranging from $36,390 for the base model to $53,685 for the top-of-the-line model, the Telluride represents Kia’s most expensive gas-powered SUV.
Kia Sportage insurance costs
The average car insurance for the Kia Sportage is $291 per month, according to Jerry’s data analysis of full coverage quotes. Minimum coverage is an average of $127 per month.
The Kia Sportage made Kelley Blue Book’s list of the 25 best-selling vehicles, and provides peace of mind for owners with Kia’s industry-leading 10-year/100,000-mile Limited Warranty. Drivers can choose a gas-powered Sportage, regular hybrid or plug-in hybrid, each with a step up in price — $28,690, $30,290 and $39,890 respectively.
Sportages with premium trim levels, such as the X-Pro and SX Prestige, tend to be more expensive to insure, as shown in Jerry’s data below.
|
Kia Sportage trim
|
Average monthly cost
|
|---|
|
Kia Sportage trim
|
Average monthly cost
|
|---|---|
| Kia Sportage | $250 |
| Kia Sportage Base | $194 |
| Kia Sportage Ex | $291 |
| Kia Sportage Ex Premium | $310 |
| Kia Sportage Lx | $274 |
| $365 | |
| $437 | |
| $294 | |
| $385 | |
| $415 | |
| $138 | |
| $132 | |
| $218 | |
| $209 | |
| $217 | |
| $339 | |
| $430 | |
| $317 | |
| $435 | |
| $141 | |
| $366 | |
| $248 | |
| $280 | |
| $230 | |
| $193 | |
| $221 | |
| $170 | |
| $265 | |
| $103 | |
| $361 | |
| $230 | |
| $504 | |
| $654 | |
| $210 | |
| $235 | |
| $248 | |
| $293 | |
| $316 | |
| $311 | |
| $304 | |
| $226 | |
| $328 | |
| $210 | |
| $290 | |
| $119 | |
| $280 | |
| $206 | |
| $235 | |
| $178 |
Kia K5 insurance costs
Kia K5 insurance is an average of $440 per month for full coverage, while minimum coverage costs an average of $153 per month.
The Kia K5 is the more expensive of the two sedans offered by Kia, with a starting MSRP of $27,390. The vehicle sports features such as an eight-speed transmission and a panoramic sunroof, as well as a host of safety features like automatic emergency braking and blind-spot detection technology.
Here are the average costs to insure a K5, based on quotes received by Jerry customers.
|
Kia K5 trim
|
Average monthly quote
|
|---|
|
Kia K5 trim
|
Average monthly quote
|
|---|---|
| Kia K5 | $269 |
| Kia K5 Ex | $390 |
| Kia K5 Gt | $471 |
| Kia K5 Gt Line | $432 |
| Kia K5 Lx | $408 |
| $365 | |
| $437 | |
| $294 | |
| $385 | |
| $415 | |
| $138 | |
| $132 | |
| $218 | |
| $209 | |
| $217 | |
| $339 | |
| $430 | |
| $317 | |
| $435 | |
| $141 | |
| $366 | |
| $248 | |
| $280 | |
| $230 | |
| $193 | |
| $221 | |
| $170 | |
| $265 | |
| $103 | |
| $361 | |
| $230 | |
| $504 | |
| $654 | |
| $210 | |
| $235 | |
| $248 | |
| $293 | |
| $316 | |
| $311 | |
| $304 | |
| $226 | |
| $328 | |
| $210 | |
| $290 | |
| $119 | |
| $280 | |
| $206 | |
| $235 | |
| $178 |
Auto insurance shopping tips for Kia
When shopping for Kia insurance, it’s important to know that state mandated coverage doesn’t usually cover your own vehicle in an accident. To ensure your vehicle gets repaired or replaced, full coverage is the best way to save yourself from unexpected out-of-pocket costs.
While some companies may offer lower rates, make sure that the liability limits and discounts are the same on each quote.
| Coverage | Definition |
|---|---|
| Collision insurance | An optional coverage type that pays to repair or replace your car if it’s damaged in a collision with another vehicle. You can only file an accident-related claim for your vehicle’s repairs if your policy has collision coverage. |
| Comprehensive insurance | An optional coverage type that covers damage to your vehicle caused by non-collision hazards, such as car theft, falling tree branches, hail and other unexpected events. |
| Bodily injury liability (BI) | Pays others’ medical costs in an accident you cause, up to your policy limits. It’s mandatory in most states. |
| Property damage liability (PD) | Pays for repairs or replacements of any vehicles or objects you damage in a crash, up to your policy limits. It’s mandatory in most states. |
| Personal injury protection (PIP) | Helps cover medical expenses for you and your passengers after a car accident, regardless of who caused it. This is required in some states. |
| Medical payments | Additional coverage outside of PIP that pays for medical care for you and your passengers after an accident, regardless of who caused it. This is optional in most states. |
| Uninsured/underinsured motorist coverage (UM/UIM) | Covers you, your passengers and any property damage in a case where the other driver is at fault but doesn’t have insurance, or carries insufficient coverage to pay for your costs. This is required in some states. |
Follow these tips to compare Kia insurance for your vehicle.
- Compare rates. The best way to find affordable rates is to get quotes from multiple insurers.
- Ask about discounts. Car insurance discounts reduce your premium. But, you may not get all of the discounts you’re eligible for if you don’t ask your agent or insurer if you’re missing out on any.
- Bundle your insurance. Consider bundling your auto insurance with your home or renters insurance policy to reduce your monthly bill.
- Participate in a telematics program. Safe drivers could be rewarded with lower premiums when you opt-in to telematics programs. These programs track your driving habits and price your policy accordingly. Some drivers see increases based on their driving habits.
- Raise your deductible. The deductible is the amount of money you pay before your insurer will pay on a claim. Raising your deductible can lower your premium, but will increase your out-of-pocket expense if you’re in an accident.
- Reduce your coverage. Older and less valuable cars typically require less coverage than expensive new models. If you drive an older Kia, you may be able to save some money by dropping comprehensive and collision coverage.
- Purchase a used car. New cars tend to cost significantly more to insure than older, used cars, because they have a higher value. Buying a used Kia that’s already depreciated in value may be an excellent way to cut down on your insurance costs.
For the most accurate quote, provide as much info as you can. This will expedite getting your new policy and minimize unexpected changes in rates before you buy.
FAQ
-
Why are insurance companies not insuring Kias?
-
Why is insurance so high for Kias?
-
Is car insurance for a Kia expensive?
-
Which insurance is best for a Kia?
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Lee Huffman is personal finance expert who has been writing online since 2012. After spending 18 years experience in banking, insurance and investing, Lee has a knack for translating complex financial topics into everyday language so readers can make informed decisions.
His bylines appear in more than 1,300 articles for numerous online publications, like TIME, Fortune, LendingTree, NerdWallet, Forbes, USA Today, Money, Slickdeals, Business Insider and Investopedia. Lee has an MBA in eBusiness, and he earned his Bachelors in Business Management at Pepperdine University.
Kevin Berry is the Senior Director of Content at Jerry and has been working in the digital content space since 2011 across the car insurance/repair, personal finance, travel and sports industries. Prior to Jerry, Kevin was a content team lead at NerdWallet overseeing the Multimedia Production and Travel Rewards teams. Previously, he worked for NBC Sports, Comcast Cable and Nike. He has a Master`s Degree from Arkansas State and a Bachelor`s from Oregon State University.
