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Car insurance for Kia
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In the U.S., the national average car insurance rate is $1,674 per year for a full coverage policy, based on Bankrate’s 2021 study of quoted annual premiums. However, the cost of car insurance is different for every driver. Your premium depends on a variety of factors, one of which is the make and model of your vehicle.
If you drive a Kia, the average cost of insurance can vary significantly based on the specific model and your insurance company. To give you a sense of what you might pay, Bankrate’s insurance editorial team got sample rates for several popular Kia models.
Models included in this review:
- Kia Forte
- Kia Sedona
- Kia Sportage
- Kia Telluride
How much does it cost to insure a Kia?
The average car insurance premium is $1,674 per year, according to 2021 data from Quadrant Information Services, but your claim history, location and type of vehicle can all impact your premium. Additionally, insurance companies tend to charge different rates for the same Kia makes and models based on their own assessments of risk. Here are some of the factors that can affect the cost of car insurance for Kias:
- Crash rate stats per make/model: Kia vehicles tend to be very safe cars, which can help with insurance costs. Popular Kia models like the Soul, Sorento, Sportage and Telluride were all named Top Safety Picks by the Insurance Institute for Highway Safety (IIHS). Features like front crash prevention and LED projector headlights found in the Soul and Sportage may have influenced these models’ safety pick awards.
- Price of parts: If your Kia needs to be repaired, most parts for the Telluride and Sorento — which are made in the U.S. — are readily accessible and do not need to be shipped from overseas. Other Kia model parts may need to be shipped from South Korea. Cars that are cheaper to repair are generally more affordable to insure.
- Safety features: Many Kia models are equipped with forward-collision warnings, lane departure alerts, vehicle stability management systems and a seatbelt pretensioner. These features can help reduce the chance or severity of an accident, which can keep insurance costs lower.
Car insurance for a Kia: by model
The cost of auto insurance for Kias depends on the specific model. Based on our sample rates, some models’ insurance premiums are cheaper than average and for others, the rates are above average. However, remember that many factors contribute to insurance premiums besides your car’s make and model. Nevertheless, these rates can be helpful for the sake of comparison.
Car insurance for Kia Forte
The Kia Forte is one of the manufacturer’s most popular sedans, with a starting MSRP of $19,090. The Forte can be customized with five different trim packages, allowing the buyer to choose their preferred level of connectivity, technology and performance. The table below includes the average cost of Kia Forte car insurance for minimum and full coverage policies:
|Kia Forte car insurance||Average annual premium|
Car insurance for Kia Sedona
The Kia Sedona is the brand’s minivan last produced in 2021, making way for the Kia Carnival in 2022, with a starting MSRP of $32,300. Despite being a larger vehicle, the average cost of Kia Sedona insurance is below the national average rate, based on sample rate data. Here are the average full coverage and minimum coverage premium for the Kia Sedona:
|Kia Sedona car insurance||Average annual premium|
Car insurance for Kia Sportage
The Kia Sportage is one of the brand’s best-selling midsize SUVs. New Sportage models have an MSRP of $25,990, with seven trims available. The Sportage has excellent safety ratings, including a Top Safety Pick badge from the IIHS for the 2022 models when optional projector headlights and front crash prevention are included. The average cost of Kia Sportage insurance is below average, making it one of Kia’s more affordable options all around for many drivers.
|Kia Sportage car insurance||Average annual premium|
Car insurance for Kia Telluride
The Kia Telluride is a popular SUV on the road. The Telluride has a starting MSRP of $33,090 and is among the most expensive Kia models. There are four trim levels to choose from, which come equipped with different technology and safety features. Depending on the trim you choose, the Telluride comes equipped with seven or eight passenger seats. The Telluride is rated as a safe vehicle, with a Top Safety Rating from IIHS. However, the Telluride is Kia’s most expensive model to insure, based on average rates.
|Kia Telluride car insurance||Average annual premium|
Cheapest car insurance companies for Kias
Kia insurance premiums are largely dependent on your insurance company. The five providers in the table below, which appear on our list of the best car insurance companies, offer some of the cheapest car insurance for popular Kia models. While these are the cheapest providers based on our sample rates, remember that premiums are different for every driver based on their specific circumstances and coverage needs.
Average annual premium for full coverage by model
Kia features that impact insurance costs
Kias tend to be very safe and reliable vehicles, especially recent models. In the 2022 J.D. Power’s U.S. Vehicle Dependability Study, Kia ranked first overall among mass-market brands. Here are some of the safety features that affect Kia insurance rates:
- Forward-collision warning system: Using mounted cameras, many Kia models can anticipate a crash before it happens using a forward-collision warning system. If the driver does not step on the brake, the car can automatically stop to avoid a crash or lessen the severity of a crash.
- Lane departure alerts: New Kias come with a lane departure alert system, which notifies the driver when they start to drift out of their lane.
- Airbags: All Kias are equipped with a full set of airbags, which include driver and passenger seat airbags, driver knee airbags, curtain airbags and front and rear side airbags, which help protect the driver and passengers in all areas of the car.
- LED projector headlights: Models and trim packages offering optional LED projector headlights may offer a lower insurance rate than other models. LED projector headlights offer superior visibility on curves and straightaways, allowing the driver to see further and clearer to avoid potential obstacles.
Other car insurance coverage for a Kia
You must carry at least a minimum amount of car insurance if you live in a state where car insurance is required. Beyond a minimum coverage policy, Kia owners can benefit from several other types of car insurance.
Drivers may be required to purchase a full coverage policy, which includes collision and comprehensive insurance if the Kia is leased or financed. Drivers may also want to consider gap insurance, which helps pay off your loan if your new car gets totaled. Even if the vehicle is owned outright, drivers may want to consider increased coverage to help financially protect them should an accident occur.
Accident forgiveness can also be valuable if your car insurance provider offers it, which keeps your rate from increasing after an at-fault accident. Some drivers also like the peace of mind of roadside assistance, which can help you get back on the road if you get a flat tire, run out of gas or lock yourself out of your vehicle.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2020 Kia Telluride and a 2019 Kia of the following model types, commute five days a week and drive 12,000 miles annually:
- Kia Forte
- Kia Sedona
- Kia Sportage
These are sample rates and should only be used for comparative purposes.