Kia Insurance: Everything You Need To Know

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.

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.

Insurance costs for popular Kia cars

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.

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.

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. 

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.

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.

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.

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

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.

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