Kia Insurance: Everything You Need To Know

Written by Xuyun Zeng and 2 others
Updated Mar 27, 2025

A recent surge of thefts have caused certain Kias to become harder to insure. Find out how much you’d pay for different Kias.

Kia logo on a car in a parking lot
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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.

How much is car insurance for a Kia?

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. Check out the average quotes for full coverage for various Kias, based on Jerry’s customer data.

Car Model
Avg Monthly Quote
Sephia $142
Amanti $147
Rondo $157
Spectra5 $207
Borrego $208
Rio5 $211
Spectra $225
Sedona $226
Soul $302
Sportage $312
Sorento $312
Telluride $330
Niro $342
Rio $345
Cadenza $362
Optima $371
Forte $385
K5 $484
Stinger $540
K900 $631
Last Updated Jul 7, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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How much you pay to insure a Kia depends on a few factors.

  • Personal factors: Your age, driving record, insurance history and level of insurance coverage all influence your premiums.
  • 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. An entry-level Kia Soul cost $294 per month for full coverage in 2024, while the Telluride cost $327.
  • Safety ratings: The Kia Telluride and EV9 received Insurance Institute for Highway Safety’s 2025 Top Safety Pick+ awards. 
  • Theft rates: In the first half of 2023 alone, Kias and Hyundais were nearly seven times more likely to get stolen than other makes. This led some insurance providers to opt out of issuing new policies for certain older models.

Companies offering the cheapest insurance for Kia

Shop for multiple quotes to find the cheapest coverage for your Kia, and also consider whether you need full coverage.

Full coverage could pay for repairs if your Kia is damaged in situations such as collisions, weather-related damage, fire and theft. 

These are the cheapest quotes for full coverage on Kias. MetLife, AAA and Safeco typically have cheap quotes for Jerry customers driving Kias.

Insurance Company
Avg Monthly Quote
AAA $225
Aspire Advantage $235
Safeco $242
Anchor General $256
Bluefire $257
Mercury $260
Progressive $281
First Acceptance $291
Trexis $330
Mendota $332
Last Updated Jul 2, 2025

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.

Here are the average minimum coverage quotes that Jerry customers with Kias have received in the past 18 months. Aspire Advantage, Safeco and Anchor General typically offer the cheapest quotes.

Insurance Company
Avg Monthly Quote
Aspire Advantage $98
Mercury $111
Safeco $118
Bluefire $124
Anchor General $125
Commonwealth Insurance $126
Aspen $127
AAA $130
Trexis $142
National General $165
Last Updated Jul, 2025

Car insurance for a Kia Soul

A long-standing entry-level hatchback in Kia’s lineup, the 2025 Soul starts with a $20,490 MSRP and comes with new safety features like automatic emergency braking, as well as convenience factors like Apple CarPlay and Android Auto. 

Avg Monthly Quote
Car Make Model Trim
$240 KIA Soul !
$268 KIA SOUL +
$283 KIA SOUL !
$289 KIA SOUL EV
$289 KIA SOUL EV +
$292 KIA Soul +
$302 KIA Soul EV +
$317 KIA SOUL LX
$329 KIA Soul LX
$334 KIA SOUL GT-LINE TURBO
$335 KIA Soul EV
$338 KIA Soul GT Line
$349 KIA Soul Gt-line Turbo
$358 KIA SOUL EX
$397 KIA SOUL GT LINE
$429 KIA Soul EX
Last Updated Jul, 2025

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.

Auto insurance for a Kia Telluride

Kia’s premium SUV seats up to eight, can tow up to 5,000 pounds and has an all-wheel drive configuration available. Starting at $36,390, the Telluride represents Kia’s most expensive gas-powered SUV.

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.

Avg Monthly Quote
Car Make Model Trim
$254 KIA Telluride EX
$284 KIA TELLURIDE LX
$315 KIA TELLURIDE S
$336 KIA Telluride SX
$358 KIA Telluride S
$367 KIA Telluride LX
$372 KIA TELLURIDE SX
$448 KIA Telluride
$488 KIA TELLURIDE EX
Last Updated Jul 7, 2025
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Car insurance for a Kia Sportage

The Kia Sportage made Kelley Blue Book’s list of the 25 best-selling vehicles of 2024. Drivers can choose a gas-powered Sportage, regular hybrid or plug-in hybrid, each with a step up in price — $27,390, $28,790 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.

Avg Monthly Quote
Car Make Model Trim
$234
$236 KIA SPORTAGE BASE
$236 KIA SPORTAGE S
$290 KIA SPORTAGE EX
$292 KIA Sportage X-line Pres
$304 KIA Sportage EX
$304 KIA Sportage LX
$317 KIA SPORTAGE LX
$318 KIA SPORTAGE X LINE
$320 KIA Sportage X Line
Last Updated Jul, 2025

Auto insurance for a Kia K5

The Kia K5 is the more expensive of the two sedans offered by Kia, with an MSRP of $27,190. The vehicle sports features such as an eight-speed transmission 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.

Avg Monthly Quote
Car Make Model Trim
$344
$403 KIA K5 LX
$422 KIA K5 GT LINE
$425 KIA K5 EX
$492 KIA K5 LXS
$509 KIA K5 GT Line
$514 KIA K5 GT
Last Updated Jul, 2025
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How can I lower my Kia car insurance costs?

Here are several ways you can lower the cost of your Kia car insurance.

  • Purchase a used car: New cars tend to cost significantly more to insure than older, used cars. Purchasing a used Kia may be an excellent way to cut down on your insurance costs.
  • Rate shop: Shop around for insurance online or with a local agent to find the cheapest quote for your Kia.
  • Ask about discounts: Ask your insurer about discounts you may qualify for. Many insurers offer discounts for insuring a good student, being a homeowner or bundling policies.
  • Participate in a telematics program: If you drive safely or don’t drive much, telematics may save you money. These programs track your driving habits and may reward safe drivers with lower premiums.
  • Raise your deductible: The deductible is the amount of money you pay before your insurer will pay on a claim. Raising it will lower your premium costs, but be sure you can still afford to pay the deductible with little notice. 
  • Reduce your coverage: Older and less valuable cars 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.

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

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Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.