Cost of Kia Car Insurance (2024)

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.

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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

Military Families

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User Reviews	4.9 940 reviews
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.	$45/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

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Driver Reviews

4.9

Best choiceBased on 1,646 verified guest reviews and ratings

How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

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

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

Reviews (940)

Arlington

December 18, 2024

Verified Review

Mediocre

It's too hard to get past all the checks and balances to verify you're a member. There are too many questions and memory items to get past their firewall. Lastly, everyone is working remotely, and you can hear the family activities in the background.

Peter

December 18, 2024

Verified Review

Not Happy with USAA

They increase premium rates without notifying you well in advance. They even raise the premium for a minor fender bender, like pulling out of a driveway into an illegally parked vehicle.

Donna

December 17, 2024

Verified Review

I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.

I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

880

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.35

A.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

Customer Satisfaction

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User Reviews	4.2 5,080 reviews
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.	$54/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.	$119/mo

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Driver Reviews

4.2

Best choiceBased on 9,243 verified guest reviews and ratings

How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

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

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (5,080)

Al

December 19, 2024

Verified Review

My Opinion

Way too high premium.

Agnes

December 19, 2024

Verified Review

Best Insurance Company

I have been with them for a long time. Claims are handled quickly. I never had a problem, even when I had three teenagers driving.

Gabriel

December 18, 2024

Verified Review

My Experience with State Farm

Beware, some companies are more interested in making money than meeting the customers' needs. My wife had a medical issue while driving, and they covered it. A year later, there was a fender bender involving two moving vehicles. To me, it was no fault, but they considered it a second incident. We also had hail damage to our roof. They said there wasn't enough damage, yet my next-door neighbors received a new one. Now, they're canceling me for too much.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

842

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.78

A.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

Discounts

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User Reviews	4.0 5,755 reviews
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.	9.0 /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.	$54/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.	$118/mo

Show Details

Driver Reviews

4.0

Best choiceBased on 10,464 verified guest reviews and ratings

How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

Reviews (5,755)

Dianna

December 19, 2024

Verified Review

Roadside Assistance

When I needed emergency services on the road, they wanted me to go online. That was not possible at the time and they were not helpful.

Alan

December 18, 2024

Verified Review

Satisfied but too expensive

My experience with GEICO was good. They offer great coverage for the price and I'd recommend them to a friend. However, they are a bit more pricey but provide great services all the way around.

Samol

December 18, 2024

Verified Review

Geico is Good Insurance

It's excellent, but after a few accidents, the rates are creeping upwards.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

835

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.74

A.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