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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Written byErin Gobler
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Over 5 years of experience in financial writing
Certified in financial planning by Boston University
Erin is a writer and journalist specializing in personal finance. With more than five years of experience, Erin has covered topics such as credit cards, mortgages, insurance, and more.
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Edited byChris Schafer
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7+ years in business and financial services content
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Table of contents
Table of contents
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.
Quick Facts
The Kia Sedona is the cheapest Kia model to insure for both liability-only and full-coverage insurance, while the Kia K5 is the most expensive.
USAA has the cheapest average rates for Kia drivers, with an average cost of just $100 per month.
USAA, State Farm, and GEICO are among the best insurance companies for Kias, thanks to their affordable rates, excellent customer service, discounts, and more.
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.
Kia Model | Average Monthly Quote: Liability Only |
|---|---|
| Forte | $116 |
| K5 | $134 |
| Niro | $103 |
| Optima | $114 |
| Rio | $104 |
| Sedona | $86 |
| Seltos | $112 |
| Sorento | $100 |
| Soul | $97 |
| Sportage | $99 |
| Telluride | $111 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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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]
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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
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $48/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $99/mo |
4.9
Best choiceBased on 2,086 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,188)
Cornelius
June 2, 2025
Verified Review
Good
Good, but expensive.
Alberta
May 28, 2025
Verified Review
Excellent
It is good, just looking for a cheaper rate.
Tracey
May 28, 2025
Verified Review
USAA Auto Insurance Review
Very high priced, but good coverage.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA is a financial services company that offers a variety of products and services, including auto insurance. USAA has the cheapest rates for Kia drivers, but it’s only available to military service members, veterans, and their families.
USAA offers key benefits, including discounts specifically for military members, excellent customer service ratings, and pay-as-you-drive insurance or usage-based insurance, which is beneficial for low-mileage or safe drivers.
Pros
Cheap rates for Kia drivers
Top-rated by J.D. Power for customer satisfaction
Offers pay-as-you-drive and usage-based insurance
Cons
Only available to military families
Many customer complaints, according to the National Association of Insurance Commissioners (NAIC) consumer complaint index
Gap insurance not available
Best for customer satisfaction: State Farm
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $117/mo |
4.1
Best choiceBased on 11,179 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,014)
Cassaundra
June 3, 2025
Verified Review
State Farm has turned out to be the best insurance for me. It covers everything I need for less than all the companies I have spoken to.
State Farm has turned out to be the best insurance for me. It covers everything I need for less than all the companies I have spoken to.
Shawna
May 30, 2025
Verified Review
No
Started good, then raised the rates.
James
May 29, 2025
Verified Review
Excellent
I've been with them for over 30 years. However, the cost has tripled in the last 5 years.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is a great option if you want an insurer that offers affordable rates and highly rated customer and claims satisfaction. It’s the largest auto insurer in the nation and has a large network of local agents nationwide.
State Farm also has some unique coverage options, including rideshare insurance. And if you’re a safe driver, State Farm’s usage-based insurance program can help you save on your premiums.
Pros
Above-average J.D. Power claims satisfaction rating
Large network of local agents
Rideshare insurance available
Cons
Fewer available discounts than other companies
Above-average number of customer complaints with the NAIC
Gap insurance not available
Best for discounts: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $127/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $155/mo |
4.0
Best choiceBased on 11,929 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,418)
Bonnie
June 2, 2025
Verified Review
Good. No issues
I enjoy being with the company.
Annette
June 2, 2025
Verified Review
Better than what I recently changed to, going back
They have always been ready to help. Ready to go back for sure.
Richard
June 1, 2025
Verified Review
Price Increases
The rates keep going up even though there have been no incidents.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
In addition to having some of the lowest premiums for Kia owners, GEICO also has more discounts than most other companies, allowing you to save even more on your car insurance.
Though GEICO doesn’t rate as highly for customer satisfaction as the other companies you’ll find here, it boasts a top-rated mobile app. It also offers accident forgiveness, which isn’t something you can find with every insurer.
Pros
More available discounts than most companies
Accident forgiveness available
Top-rated mobile app
Cons
Low J.D. Power claims satisfaction rating
Fewer local agents than other companies
Gap insurance not available
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.
Liability coverage
Liability insurance meets minimum state requirements and is the most affordable insurance coverage. It includes bodily injury and property damage liability coverage and pays for damages to other drivers and their property if you’re responsible for an accident.
Collision coverage
Collision insurance is an optional coverage that pays for repairs for your vehicle after an accident, regardless of fault. It may apply to both multi-car accidents, such as when you hit another vehicle. It also applies if yours is the only vehicle involved.
Comprehensive coverage
Another optional coverage, comprehensive insurance pays for damages to your vehicle resulting from something other than a collision. For example, it would pay for damage resulting from inclement weather, vehicle theft, and more.
Uninsured/underinsured motorist coverage
While each driver’s liability coverage should pay for accidents they cause, not everyone has the legally required insurance. Uninsured/underinsured motorist coverage pays for damage to your car if the at-fault driver either doesn’t have insurance or doesn’t have sufficient insurance to pay for the damages.
Rental car reimbursement coverage
If your car is in the shop after an accident, this coverage will reimburse you for the cost (or a portion of the cost) of a rental car. This coverage applies when your vehicle is undrivable due to a covered incident.
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.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- CarPro. "Full-Year 2022 National Auto Sales By Brand."
- Kelley Blue Book. "2024 Kia Forte."
- Kelley Blue Book. "Best Midsize SUVs of 2024 and 2025."
- Kelley Blue Book. "2024 Kia Sorento."
- Kelley Blue Book. "Best Wagons of 2024 and 2025."
- Kelley Blue Book. "Best Gas Mileage Wagons of 2024."
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Erin Gobler
Erin Gobler is a personal finance writer and journalist based in Madison, Wisconsin. With more than five years of experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more. Her work has been featured in major publications like Business Insider, Fox Business, and Time. Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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