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 the most recent 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. 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 Fortem, Sportage and Telluride were all named Top Safety Picks by the Insurance Institute for Highway Safety (IIHS).
  • 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 there are many factors that 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 an MSRP of $17,890. The car comes in six trim levels, with a variety of options for connectivity, technology and performance. The 2021 Kia Forte was also named an IIHS Top Safety Pick. The table below includes the average cost of Kia Forte insurance for minimum and full coverage policies:

Kia Forte car insurance Average annual premium
Minimum coverage $544
Full coverage $1,682

Car insurance for Kia Sedona

The Kia Sedona is the brand’s minivan. However, the name will be discontinued in 2022 and be known as the Kia Carnival instead. The 2021 model has two trim levels. 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
Minimum coverage $501
Full coverage $1,534

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 $24,090, with four trims available. The Sportage has excellent safety ratings, including a Top Safety Pick badge from the IIHS for the 2021 and 2022 models. 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
Minimum coverage $506
Full coverage $1,519

Car insurance for Kia Telluride

The Kia Telluride is one of the most popular SUVs on the road. The Telluride has an MSRP of $32,790 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. 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
Minimum coverage $511
Full coverage $1,737

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

Car insurance company Kia Forte Kia Sedona Kia Sportage Kia Telluride
Amica $1,324 $1,200 $1,215 $1,432
Erie $1,421 $1,390 $1,378 $1,598
Geico $1,346 $1,250 $1,060 $1,450
State Farm $1,417 $1,349 $1,362 $1,443
USAA $1,087 $1,211 $1,103 $1,245

Kia features that impact insurance costs

Kias tend to be very safe and reliable vehicles, especially recent models. In the 2021 J.D. Power’s U.S. Vehicle Dependability Study, Kia ranked third overall and was a highly-rated manufacturer 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 air bags, which include driver and passenger seat air bags, driver knee air bags, curtain air bags and front and rear side air bags, which protect the driver and passengers in all areas of the car.

Other car insurance coverage for a Kia

If you live in a state where car insurance is required, you must carry a minimum amount of car insurance. Beyond a minimum coverage policy with liability insurance only, Kia owners can benefit from several other types of car insurance.

Many insurance agents recommend that drivers purchase a full coverage policy, which includes collision and comprehensive insurance for your vehicle. If you lease or finance your Kia, consider gap insurance, which helps pay off your loan if your new car gets totaled.

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.

Methodology

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.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth has two years of experience writing for insurance domains such as Bankrate.com, The Simple Dollar, Coverage.com and NextAdvisor, among others. In addition to auto insurance, Elizabeth regularly writes about home insurance, renters insurance and life insurance. She also covers industry trends and general insurance education.
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