Car insurance for Kia

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If you are in the market for a new car, it may be a good time to shop for auto insurance. The average cost of car insurance varies based on several factors, including the city and state you live in, your driving history, the coverages you purchase and the make and model of the car you drive.

Kia is a well-known make of vehicle. The Kia Telluride has been a popular choice since its release, possibly owing to families moving away from luxury brands and toward a more affordable make of vehicle. If you are interested in a Kia model, Bankrate’s editorial team has analyzed quotes for four models:

  • Kia Sedona
  • Kia Forte
  • Kia Sportage
  • Kia Telluride

Knowing the average premium for these models and how various companies may rate these vehicles could help you make an informed decision about your insurance.

Car insurance for Kias: by model

To determine the best auto insurance options for Kias, we compared quotes from the largest car insurance companies by market share. Of the four models we reviewed, the Kia Sportage has the cheapest average full coverage premium at $1,519 per year. The popular Kia Telluride costs about $200 more per year for full coverage, on average.

With the best-in-class 10-year/100,000-mile warranty of any car manufacturer, Kia has also won as J.D. Power’s #1 Ranked Brand for the Mass Market six years in a row.

Kia car insurance Average annual full coverage premium
Kia Sedona $1,534
Kia Forte $1,682
Kia Sportage $1,519
Kia Telluride $1,737

Cheapest car insurance companies for Kia Sedona

The Sedona is Kia’s only minivan option, starting at $30,400 and offering standard 8-passenger seating and two trim package options. With a Smart Power Liftgate, three climate control areas and up to 3,500 pounds of towing capacity, the Kia Sedona could be a great option for active families. USAA has the cheapest average minimum coverage rates for the Sedona at $335 per year, with Erie and Geico following. For full coverage, the lowest average annual premium is $1,200, offered by Amica, with USAA and Geico close behind.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $335 $1,211
Geico $363 $1,250
State Farm $461 $1,349
Erie $358 $1,390
Amica $379 $1,200

Cheapest car insurance companies for Kia Forte

The Kia Forte starts at just $17,890, making this sedan an affordable option for many. With six trim package options, including the LX, GT-Line and GT Manual, the Kia Forte offers excellent fuel economy without sacrificing power. Once again, USAA has the cheapest average minimum coverage premium at $339 per year, followed by Amica and Erie. USAA also has the lowest average price for full coverage, with a premium of $1,087 per year. The next two cheapest car insurance companies for full coverage, Amica and Geico, are quite a bit higher than USAA.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $339 $1,087
Geico $381 $1,349
State Farm $496 $1,417
Erie $380 $1,421
Amica $367 $1,324

Cheapest car insurance companies for Kia Sportage

The Kia Sportage has a starting price of $24,090, and the model comes with four available trim options. Standard safety features include Lane Departure Warning, Lane Keeping Assist, Driver Attention Warning and Forward Collision Avoidance Assist with Pedestrian Detection. These safety features may help keep auto insurance rates low, even with full coverage. Geico has the cheapest average annual full coverage cost at $1,060, followed by USAA and Amica. The lowest price minimum coverage is $350, from USAA, followed by Geico and Erie.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $350 $1,103
Geico $367 $1,060
State Farm $471 $1,362
Erie $375 $1,378
Amica $390 $1,215

Cheapest car insurance companies for Kia Telluride

The Kia Telluride has a base price of $32,190 and won Motor Trend’s SUV of the Year in 2020. With four trim packages to choose from, standard 8-seat capacity, Auto Emergency Braking and Blind Spot Detection Technology, it is easy to understand the appeal of the Telluride. We found that USAA has the cheapest average minimum coverage premium for the Telluride at $339 per year. The lowest average annual price for full coverage is also from USAA, followed by Amica and State Farm.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $339 $1,245
Geico $360 $1,450
State Farm $434 $1,443
Erie $431 $1,598
Amica $367 $1,432

Other car insurance coverage for Kias

Each state has its own requirements for minimum auto insurance to legally drive. If you are purchasing a Kia, you may want to consider purchasing more liability than the state requires, as this provides more financial protection in the event that you cause a car accident. You may also want to consider these optional car insurance coverages to keep yourself protected:

  • Collision coverage: If you do not have the ability to repair your Kia or replace it if it were totaled in an accident, consider purchasing collision insurance. If you collide with another car or an object, collision coverage could help to pay for the damages, minus the deductible you choose for the coverage.
  • Comprehensive coverage: Also called other-than-collision coverage, comprehensive covers the physical damage to your Kia for incidents like theft, vandalism, storm damage or hitting an animal. Just like collision coverage, comprehensive also has a deductible.
  • Gap insurance: If you have a loan or lease on your Kia, you might want to consider gap coverage. If your Kia is totaled after a covered loss and you owe more than the loan or lease amount, gap insurance is designed to pay the difference.
  • Medical payments/personal injury protection: Some states require one of these coverages while others make it optional. Both medical payments and PIP coverage pays for your medical bills and the bills of any passengers you have if you are in an accident, regardless of fault. PIP offers coverage for some additional expenses as well. You may also have coverage if you are hit by a car as a pedestrian.
  • Rental car reimbursement: If you do not have access to another vehicle when your Kia is being fixed, it may be a good idea to have rental car reimbursement coverage. This option pays for the cost of a rental car, up to your policy limits, while your Kia is being worked on after a covered loss.

If you have a loan or lease on your Kia, you will likely have to carry full coverage as a requirement of your loan. When determining the best coverages for you, speaking with a licensed insurance agent may be helpful. An insurance professional may be able to help you choose the coverages that are the best fit for your specific needs and financial situation.

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 coverages that meet each state’s requirements. Our base profile drivers commute five days a week, drive 12,000 miles annually and were evaluated using the following cars:

  • Kia Sedona
  • Kia Forte
  • Kia Sportage
  • Kia Telluride

These are sample rates and should only be used for comparative purposes.