Over the past year, Jerry has helped 72,636 Kia drivers find smarter coverage and real savings. By analyzing real Kia insurance policies, we know what owners are paying today and what you can expect at every level of coverage.
Competitive annual prices for Kia drivers are currently around:
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$938 for basic coverage.
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$2,018 for standard coverage.
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$2,304 for premium coverage.
These figures provide a starting point, but your rate will depend on factors like which Kia you drive, your driving history and where you live.
On average, Kia drivers pay between $2,296 and $5,208 per year for full coverage, with an average premium around $4,266. That’s near the national average of $4,122, thanks to Kia’s affordable repair costs, top safety scores and wide range of reliable models.
Already insured? Jerry pulls live quotes from top insurers so you can instantly compare prices and coverage. If we find a better deal on your Kia car insurance, you can switch right away, even before your renewal date. Jerry will handle the cancellation and make sure you get any refund you’re owed.
Fast track your Kia insurance with Jerry.
How much does Kia car insurance cost?
Kia car insurance rates can vary, but Jerry makes it easy to see what real drivers with your model and profile are paying.
Recent quotes
Name | Date | Model | Insurer | Coverage level | Monthly quote | Savings |
|---|---|---|---|---|---|---|
| Jimmy, 28, Monticello, GA | 11/08/26 | Forte EX | Gainsco | Basic + Full Coverage | $191 | 73% |
| Dollie, 24, Phoenix, AZ | 11/08/26 | K4 LX | GEICO | Standard | $316 | 30% |
| Florence, 27, Deland, FL | 11/08/26 | Optima EX | Progressive | Basic + Full Coverage | $94 | 52% |
| Eva, 38, Grand Prairie, TX | 11/08/26 | Sorento L | Infinity | Basic + Full Coverage | $143 | 7% |
| Josephine, 58, Stockton, GA | 11/08/26 | Forte Gt Line | Root | Basic + Full Coverage | $126 | 65% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Key takeaway: Even in the same city, Kia drivers can see premiums differ by hundreds per year. Jerry compares quotes from leading insurers to help you find coverage that fits your car, budget and lifestyle.
Insurance costs for other makes
How much does insurance cost for each Kia model?
Like Hyundai, some older Kia models without engine immobilizers have seen elevated theft rates that pushed insurance costs up. Newer models are largely unaffected, though, and Kia remains one of the more affordable makes to insure overall. Find your model below to see what Jerry drivers are paying today.
Model | Average monthly cost | Average annual cost |
|---|---|---|
| Spectra Base | $164 | $1,969 |
| Sephia | $188 | $2,260 |
| Rondo | $196 | $2,348 |
| Sedona Sx | $196 | $2,357 |
| Rondo LX | $204 | $2,445 |
| Sedona | $206 | $2,468 |
| Carnival Sx Prestige | $208 | $2,492 |
| Sedona Sxl | $209 | $2,504 |
| Sportage Base | $209 | $2,513 |
| Rondo EX | $209 | $2,514 |
| Seltos X Line | $218 | $2,618 |
| Optima Plug-In Hybrid | $221 | $2,648 |
| Niro Touring | $221 | $2,651 |
| Borrego LX | $221 | $2,658 |
| Optima Plug In Hybri | $222 | $2,665 |
| RIO5 | $229 | $2,750 |
| Sorento Base | $231 | $2,772 |
| Sportage X-Pro Prest | $231 | $2,773 |
| Borrego EX | $233 | $2,792 |
| Spectra LX | $234 | $2,804 |
| Spectra | $234 | $2,804 |
| Sedona LX | $234 | $2,813 |
| Rio Sx | $235 | $2,818 |
| Sportage | $236 | $2,826 |
| Sedona L | $240 | $2,874 |
| SPECTRA5 | $241 | $2,893 |
| Sedona EX | $242 | $2,909 |
| Rio Base | $248 | $2,979 |
| Spectra5 Sx | $249 | $2,992 |
| Soul | $252 | $3,024 |
| Spectra Sx | $252 | $3,026 |
| Niro Sx Touring | $254 | $3,043 |
| Niro Lxs | $254 | $3,049 |
| Soul ! | $256 | $3,068 |
| Ev6 EX | $256 | $3,071 |
| Niro EX Touring | $259 | $3,105 |
| Rio | $261 | $3,128 |
| Soul + | $263 | $3,154 |
| Amanti | $263 | $3,156 |
| Optima S | $264 | $3,164 |
| EV3 | $264 | $3,169 |
| Seltos | $266 | $3,190 |
| Sorento LX | $268 | $3,216 |
| Spectra EX | $269 | $3,232 |
| Sorento EX | $270 | $3,236 |
| Telluride | $271 | $3,248 |
| Telluride EX | $273 | $3,274 |
| Optima | $274 | $3,283 |
| Sportage Sx | $275 | $3,295 |
| Sorento L | $277 | $3,320 |
| Carnival Sx | $277 | $3,322 |
| Soul Gt-Line Turbo | $279 | $3,346 |
| Soul Gt Line | $281 | $3,366 |
| Sportage S | $282 | $3,381 |
| Rio 5 | $282 | $3,385 |
| Seltos Sx | $283 | $3,394 |
| Carnival EX | $283 | $3,399 |
| Carnival LX | $284 | $3,405 |
| Sorento Sx | $285 | $3,418 |
| Telluride LX | $285 | $3,422 |
Based on Jerry customers with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
What’s the best car insurance for Kia drivers?
Owning a Kia means driving a car that’s smart, efficient and built to last. Protecting it takes coverage that delivers the same balance of practicality and value.
If your Kia is leased or financed, your lender will require full coverage. You may also need gap insurance, which helps pay off your loan if your car is totaled.
Jerry recommends Kia drivers carry at least 100/300/100 liability with collision and comprehensive coverage. While that’s higher than most state minimums, it’s smart protection for vehicles designed with advanced safety features and technology.
No matter your lender, insurer or budget, there are plenty of coverage options to help protect your Kia. Here are some of the most common, what they include and why Kia owners choose them.
Higher liability limits
Many Kia models earn top safety ratings, but at-fault accidents can still be costly. Nearly half (48%) of Jerry Kia drivers choose higher-than-minimum coverage for extra peace of mind.
Full coverage
Comprehensive and collision coverage protect your Kia from theft, weather, or at-fault damage. About 46% of Jerry Kia drivers carry full coverage for everyday protection.
OEM parts coverage
Keeps your Kia running like new with genuine parts and trained technicians. Usually available for vehicles between three and ten years old.
New car replacement
Replaces your Kia with a new model if it’s totaled early in ownership. Especially helpful for newer EVs or hybrids, which can be costlier to repair.
Roadside assistance
Covers towing, jump-starts, and lockouts. Kia offers complimentary roadside assistance for up to three years, though many owners extend it for long-term coverage.
Rental reimbursement
Covers the cost of a rental car while your Kia is in the shop. Most insurers offer 30 to 45 days of coverage, depending on your policy and state.
Gap insurance
Covers what’s left on your loan or lease if your Kia is totaled. About 39% of drivers add gap coverage when financing their vehicle.
Accident forgiveness
Keeps your rate from increasing after your first at-fault accident. Without it, Kia drivers see premiums rise almost 18% on average.
See coverage options for your Kia.
Coverage Definitions
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Who it pays: The other person, for injuries when you’re at fault in a crash.
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What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.
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How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.
Property damage liability (PD)
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Who it pays: The other person, for property you damage in a crash.
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What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.
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How it pays: Up to your policy’s limit. For example, $50K.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.
*Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.
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Who it pays: You, for damage to your own car.
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What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
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Who it pays: You, for damage to your own car.
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What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
Uninsured/underinsured motorist (UM/UIM)
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Who it pays: You and your passengers, for injuries and property damage.
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What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.
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How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.
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Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.
Personal injury protection (PIP)
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Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.
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What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.
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How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.
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Do you need it? Required in no-fault states. If available in your state, it’s worth considering.
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Who it pays: You and your passengers, for medical bills.
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What it covers: Medical expenses after an accident, regardless of fault.
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How it pays: No deductible. Pays up to your policy’s limit.
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Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.
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4 smart ways Kia drivers can shop and lower insurance costs
Finding the right car insurance means balancing coverage and cost. For Kia drivers, that balance can vary since model types, repair costs, and safety features all affect how insurers price your policy.
Jerry’s experts help Kia owners lower premiums without sacrificing the protection their vehicles deserve. Here are our top tips.
| How to save | Typical savings |
|---|---|
| Compare quotes | 26% to 42% among Kia drivers |
| Stack discounts | 26% to 49% among all drivers |
| Adjust coverage | 7% to 61% among all drivers |
| Avoid coverage lapses | 47% among Kia drivers |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Tip 1: Compare quotes to find carriers with the best price
Not every insurer prices Kia auto insurance the same way. Some overestimate risk, while others reward Kia’s strong safety performance and low repair costs. That’s why it pays to compare before your next renewal.
Here’s where Kia drivers who saved most often switched last year after comparing rates with Jerry:
| Insurer | Kia drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 32% | 24% |
| Assurance America | 8% | 18% |
| Aspire Savings | 6% | 20% |
| Root | 6% | 26% |
| Anchor Premier | 4% | 1% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Why it matters: Kia drivers can save over 25% by comparing quotes. Jerry shows live prices in real time so you can find your best deal before you buy.
Tip 2: Combine discounts to unlock savings
Many Kia drivers qualify for multiple discounts, like safe driver programs, bundling home and auto or low-mileage rates. But insurers don’t always apply them automatically.
Jerry finds and stacks every available discount so you don’t leave savings on the table.
Key takeaway: Discounts can add up to more savings than raising deductibles alone.
Tip 3: Match your coverage to your Kia
From the Forte to the Telluride, every Kia has different insurance needs. Most owners choose more than the legal minimum, especially for newer or high-value models, then adjust deductibles or extras as their vehicles age.
Minimum
$72 – $173/mo
Offers the legal minimum limits, which vary by state.
Full
$158 – $361/mo
Includes minimum liability plus collision and comprehensive coverage.
Standard
$167 – $413/mo
Increases liability limits, adds things like UM/UIM, medical, towing & more.
Preferred
$194 – $467/mo
Raises liability further, lowers deductibles, expands extra coverages.
Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.
Why it matters: Most Kia drivers with newer models choose full coverage and higher liability limits. Jerry experts recommend 100/300/100 for balanced protection that fits your budget.
Tip 4: Match your coverage to your budget
When choosing car insurance, Kia drivers should always pick a policy you they comfortably maintain. Letting coverage lapse even briefly can raise your Kia insurance rates by an average of 47%. Adjusting limits, deductibles or optional add-ons can help you stay protected without breaking your budget.
Based on Jerry drivers aged 35–44 with clean records who requested standard coverage quotes over the past 60 months. Savings vary by state, coverage, and driver profile.
Jerry Proof: Real Kia drivers, real savings
Curious how much Kia drivers are saving? Here are real owners, their vehicles, and the deals they found after comparing quotes with Jerry.
Recent quotes
Customer | Model | Date | Insurer | Old rate | New rate | Savings |
|---|---|---|---|---|---|---|
| Jimmy, 28, Monticello, GA | Forte EX | 11/08/26 | Gainsco | $8,400 | $2,296 | $6,104 |
| Dollie, 24, Phoenix, AZ | K4 LX | 11/08/26 | GEICO | $5,436 | $3,793 | $1,643 |
| Florence, 27, Deland, FL | Optima EX | 11/08/26 | Progressive | $2,340 | $1,128 | $1,212 |
| Eva, 38, Grand Prairie, TX | Sorento L | 11/08/26 | Infinity | $1,848 | $1,719 | $129 |
| Josephine, 58, Stockton, GA | Forte Gt Line | 11/08/26 | Root | $4,320 | $1,512 | $2,808 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Customer feedback: Drivers who switched with Jerry rate us 4.8 out of 5 stars on Trustpilot.
Drive with confidence
Rates can vary on car insurance for a Kia, but overpaying doesn’t have to be part of the journey. Whether you drive a Rio, Sorento or EV6, Jerry helps you find coverage that matches Kia’s blend of safety, innovation and everyday value.
We compare top insurers, uncover every discount and manage renewals so your coverage stays simple, affordable and reliable.
It takes less than 5 minutes to sign up at Jerry
FAQ
- Why is Kia insurance so expensive, and is it related to theft rates?
- How can I lower my Kia insurance rate after a theft-related premium increase?
- What full coverage options do I need for a financed Kia?
- How much does it cost to insure a Kia?
- What is the cheapest insurance for a Kia Soul?
- How do I add or remove a Kia from my insurance policy?
- Does a Kia Sorento cost more to insure than a Kia Sportage?
- How much does it cost to insure a Kia Forte?
- Is the Kia Stinger expensive to insure as a performance sedan?
- Does a Kia Niro EV or hybrid cost more to insure than a gas Kia?
- How much does it cost to insure a Kia Telluride?
- Are Kias safe cars?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Methodology
Statistics and conclusions presented in this article based on drivers who requested quotes through Jerry over the past 12 months and who had no accidents or violations, unless otherwise indicated. Quotes and coverage not available for all customers. Not all customers find savings.
