Cost of Kia Car Insurance (2025)
Car insurance for Kias starts at just $86 per month. Your rates may vary depending on your Kia’s model and year, your coverage levels, your driving history, and more.
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Kias are among the top-10 bestselling vehicle brands in the U.S., according to data from CarPro.1 While the brand has received plenty of bad PR in recent years for its high theft rate due to a lack of anti-theft measures, it remains a popular choice for drivers.
Kia owners pay an average of $163 per month for insurance across all models, but rates vary based on several key factors. If you’re car shopping and are considering a Kia — or maybe you already own one — it’s important to shop around for the best car insurance policy.
Cost of Kia insurance by model
Your car’s model is one factor that can affect your car insurance premiums. The Kia Sedona is the cheapest model to insure for both liability-only and full-coverage car insurance. But these rankings could vary depending on the model year.
For example, a new car may be more expensive to insure because of its higher value. But while your vehicle is one factor that affects your car insurance rates, personal information such as driving history, age, and credit history also come into play.
Here, you can see a collection of average monthly quotes for different Kia models.
Cheapest Kia insurance by model
Kia insurance rates can vary significantly depending on the model you purchase. Here’s a closer look at the cheapest insurance premiums and other characteristics of some of Kia’s most popular vehicles on the market.
Kia Sportage
The Kia Sportage is the most popular Kia model on the market. The company sold more than 37,000 of this compact SUV in the first quarter of 2024 alone. The 2024 Kia has a starting price of $28,565, which is a lower price point than similar models like the Nissan Rogue, Honda CR-V, and Toyota RAV4.
It also comes in both hybrid and plug-in hybrid versions, which start at $29,965 and $40,965, respectively.
Kia Forte
The Kia Forte is the company’s popular compact sedan, boasting fuel efficiency and affordability. Its starting price for 2024 is $21,145, and even its most expensive trim level has a manufacturer’s suggested retail price of less than $25,000.2
The Kia Forte is cheaper than comparable models like the Hyundai Elantra, Toyota Corolla, and Nissan Sentra.
Kia Telluride
Kia’s three-row SUV, the Telluride, has become increasingly popular, including earning the No. 1 spot in both Kelley Blue Book’s (KBB) and Car and Driver’s lists of the best midsize SUVs.3 It has a starting price of $37,585, but some of its trims start at more than $50,000.
It’s more expensive than several other vehicles of its size but also more affordable than many, including the Honda Pilot, Hyundai Palisade, and Toyota Highlander.
Kia Sorento
The Sorento is Kia’s smaller SUV. It’s more compact than the Telluride while still offering three rows. Its starting price for 2024 is $33,365. It also comes in hybrid and plug-in hybrid models, starting at $38,365 and $51,665, respectively.4
The Sorento boasts a far lower price tag than comparable vehicles like the Toyota Venza, Subaru Outback, and Toyota Highlander.
Kia K5
The Kia K5, previously called the Kia Optima, is a midsize sedan starting at $26,745 for 2024. Even its most expensive trim starts at just over $33,000. It offers the fuel efficiency of a sedan while still offering all-wheel drive.
This model is relatively affordable compared to similar models like the Honda Accord, Toyota Camry, and Nissan Altima.
Kia Soul
The Kia Soul is an affordably priced subcompact SUV with a boxy design that sets it apart from other Kia models. Its starting price is $21,565. KBB ranks it as the best wagon on the market, ahead of the Subaru Impreza, which is a few thousand dollars higher.5
Kia Seltos
The Kia Seltos is a subcompact SUV released in the U.S. beginning in 2021. Its 2024 price starts at $25,865. Its price compared to its excellent value has repeatedly made it the winner of the KBB Best Buy Award. It boasts lower price tags than similar models, including the Nissan Rogue, Toyota Corolla, and Hyundai Kona.
Kia Niro
The Kia Niro is Kia’s hybrid vehicle, starting at $28,315 in 2024. It also comes in a plug-in hybrid model starting at $37,765 and an EV model starting at $40,975. KBB ranks the Kia Niro as the best gas-mileage wagon of 2024, but it’s also the most expensive on the list by several thousand dollars.6
Best companies for Kia car insurance
If you’re shopping for car insurance for your Kia, here are a few companies that stand out as having the best rates and other perks.
Best for military families: USAA
Best for customer satisfaction: State Farm
Best for discounts: GEICO
Kia car insurance coverages
When you’re shopping for an insurance policy for your Kia, you’ll want to consider a handful of coverage types. Some you’ll have to have according to state law, while others are optional.
Kia insurance FAQs
Whether you’re considering buying a Kia or you already own one, it’s important to understand your insurance options. Here’s some additional information about car insurance for Kias.
Which company has the cheapest Kia insurance?
USAA has the overall cheapest insurance premiums for Kia vehicles. But this company only serves military families. State Farm is the cheapest company available to all drivers.
Keep in mind that the cheapest company for you may be different depending on your driving history and other factors.
Are Kias expensive to insure?
The average cost of car insurance for Kias is on par with the national average. But your personal insurance premiums will depend on a variety of factors, including your vehicle’s model, year, and safety features, as well as other personal factors like your driving history, age, and credit-based insurance score in some states.
How much does it cost to insure a Kia Sedona?
The average rate for liability coverage on a Kia Sedona is $86 per month. Sedona drivers who choose full coverage pay an average of $177 per month.
Is it hard to get insurance on a Kia?
It may be more difficult or expensive to get insurance on a Kia, depending on its model year. Certain Kia models have increased theft claims and were easier to steal because they lacked an engine immobilizer. This created a serious problem for Kia owners and insurers alike.
If you own a Kia model that doesn’t have the appropriate anti-theft measures, you may struggle to get insurance. But as long as your vehicle has anti-theft measures or the appropriate software update, you should be able to get insurance coverage.
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