How Much Is Kia Insurance by Model?
Discover how much you can expect to pay to insure your Kia.
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
Kia is South Korea's second-largest automobile manufacturer, behind its parent company, Hyundai Motor Company. Kia had sales of over 2.8 million vehicles in 2019. The company offers a wide variety of popular car models to choose from, whether you want a sedan, SUV, hybrid, or fully electric vehicle.
No matter what Kia model you drive, you’ll need the best car insurance you can find to protect your investment.
The average cost of Kia insurance is $1,348.56 per year. This is slightly higher than the national average cost of car insurance, which is $1,311 per year.
Our guide below provides insurance cost information for Kia’s most popular models and several top-rated insurance companies. With the help of a local independent insurance agent, you can get quotes from multiple companies so you can get the coverage you need that fits your budget.
In this article:
How Much Does a Kia Cost to Insure by Model?
Why Do Insurance Costs Differ Between Kia Models?
How Much Is Car Insurance for a Kia Cadenza?
How Much Is Car Insurance for a Kia Forte?
How Much Is Car Insurance for a Kia K900?
How Much Is Car Insurance for a Kia Niro?
How Much Is Car Insurance for a Kia Optima?
How Much Is Car Insurance for a Kia Rio?
How Much Is Car Insurance for a Kia Sedona?
How Much Is Car Insurance for a Kia Sorento?
How Much Is Car Insurance for a Kia Soul?
How Much Is Car Insurance for a Kia Sportage?
What Other Factors Affect Kia Insurance Costs?
How to Save the Most Money on Kia Insurance
How Much Does a Kia Cost to Insure by Model?
The cost to insure a Kia can vary depending on the model. If you’re looking to purchase a Kia, you’ll find that the Kia Sportage is the cheapest to insure, with an average car insurance cost of $1,112.75 per year.
The most expensive Kia to insure according to our research is the Kia K900, which has an average annual premium of $1,611.60.
We’ve broken down the insurance costs for several popular Kia models.
| Kia Model | Average Cost of Car Insurance Per Year |
|---|---|
| Kia Cadenza | $1,502.75 |
| Kia Forte | $1,396.20 |
| Kia K900 | $1,611.60 |
| Kia Niro | $1,405.50 |
| Kia Optima | $1,367.00 |
| Kia Rio | $1,305.80 |
| Kia Sedona | $1,217.50 |
| Kia Sorento | $1,322.20 |
| Kia Soul | $1,244.33 |
| Kia Sportage | $1,112.75 |
An independent insurance agent near you can help you find affordable car insurance for whatever type of Kia you drive.
Are Kias Expensive to Insure?
The cost to insure your Kia depends primarily on the model that you choose. In addition, the cost varies by your location, driving history, coverage options, and deductibles.
We compared popular Kia models and found that, in general, Kia insurance costs are close to the national average insurance cost.
Why Do Insurance Costs Differ Between Kia Models?
Car insurance costs differ by model depending on several factors. Every Kia model has different safety ratings, repair costs, and theft rates. Newer model years, models that are more expensive, and models with more horsepower typically cost more to insure than their less expensive, older, or less powerful counterparts.
What’s more, electric cars and hybrids like the Kia Niro tend to have higher insurance costs because they are usually more expensive to repair.
How Much Is Car Insurance for a Kia Cadenza?
Our research found that the Kia Cadenza is one of the more expensive Kia models to insure, with an average premium of $1,502.75 per year. Here's a look at some average insurance costs for this model from top-rated insurance carriers.
| Insurance Companies | Average Annual Cost |
|---|---|
| Nationwide | $1,320 |
| Vermont Mutual | $1,376 |
| USAA | $1,595 |
| Erie | $1,720 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $125.23 | $1,502.75 |
How Much Is Car Insurance for a Kia Forte?
The Kia Forte has an average premium of $1,396.20 per year. According to our research, it's also one of the more expensive Kia models to insure.
| Insurance Companies | Average Annual Cost |
|---|---|
| Vermont Mutual | $1,255 |
| USAA | $1,265 |
| Nationwide | $1,325 |
| Erie | $1,546 |
| Plymouth Rock Assurance | $1,590 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $116.35 | $1,396.20 |
How Much Is Car Insurance for a Kia K900?
The Kia K900 has the most expensive Kia insurance costs, with an average insurance cost of $1,611.60 per year. Your rates may be above or below this average, depending on where you live, your age, your gender, and other factors.
| Insurance Companies | Average Annual Cost |
|---|---|
| Erie | $910 |
| Nationwide | $1,262 |
| Plymouth Rock Assurance | $1,797 |
| Vermont Mutual | $1,989 |
| USAA | $2,100 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $134.30 | $1,611.60 |
How Much Is Car Insurance for a Kia Niro?
The average cost to insure a Kia Niro is $1,405.50 per year, putting it near the top of Kia models in terms of insurance costs. Insurance costs for the Niro may be higher than for other models because electric or hybrid vehicles like the Niro generally cost more to repair.
| Insurance Companies | Average Annual Cost |
|---|---|
| Nationwide | $1,250 |
| USAA | $1,354 |
| Vermont Mutual | $1,360 |
| Progressive | $1,442 |
| Plymouth Rock Assurance | $1,476 |
| Erie | $1,551 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $117.13 | $1,405.50 |
How Much Is Car Insurance for a Kia Optima?
The Kia Optima has an average annual insurance cost of $1,367, which is a little higher than the national average of $1,311.
| Insurance Companies | Average Annual Cost |
|---|---|
| Vermont Mutual | $1,209 |
| Nationwide | $1,311 |
| USAA | $1,389 |
| Erie | $1,559 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $113.92 | $1,367.00 |
How Much Is Car Insurance for a Kia Rio?
The Kia Rio has an average annual insurance cost of $1,305.80. Insurance premiums for this model are right in line with the national average of $1,311, similar to several other Kia models.
| Insurance Companies | Average Annual Cost |
|---|---|
| Vermont Mutual | $1,126 |
| USAA | $1,249 |
| Nationwide | $1,257 |
| Plymouth Rock Assurance | $1,446 |
| Erie | $1,451 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $108.82 | $1,305.80 |
How Much Is Car Insurance for a Kia Sedona?
The Kia Sedona has an average annual insurance cost of $1,217.50. This model has some of the lowest Kia insurance costs among the insurance companies we looked at.
| Insurance Companies | Average Annual Cost |
|---|---|
| Vermont Mutual | $977 |
| Nationwide | $1,156 |
| Arbella | $1,333 |
| Progressive | $1,404 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $101.46 | $1,217.50 |
How Much Is Car Insurance for a Kia Sorento?
You can find Kia Sorento insurance for $1,322.20 per year, on average. If you’re looking for a Kia with moderate insurance rates, the Sorento may be a good choice.
| Insurance Companies | Average Annual Cost |
|---|---|
| Vermont Mutual | $1,127 |
| Nationwide | $1,140 |
| USAA | $1,423 |
| Arbella | $1,444 |
| Progressive | $1,477 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $110.18 | $1,322.20 |
How Much Is Car Insurance for a Kia Soul?
The Kia Soul has both an affordable purchase price and relatively low-cost insurance compared to the national average. The Soul costs around $1,244.33 per year to insure, on average.
| Insurance Companies | Average Annual Cost |
|---|---|
| Vermont Mutual | $949 |
| Nationwide | $1,110 |
| Arbella | $1,291 |
| USAA | $1,303 |
| Plymouth Rock Assurance | $1,336 |
| Progressive | $1,477 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $103.69 | $1,244.33 |
How Much Is Car Insurance for a Kia Sportage?
The Kia Sportage has an average annual insurance cost of $1,112.75. If you’re looking for the Kia model with the most affordable insurance, the Sportage is for you.
| Insurance Companies | Average Annual Cost |
|---|---|
| Vermont Mutual | $922 |
| Nationwide | $1,023 |
| Arbella | $1,223 |
| USAA | $1,283 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $92.73 | $1,112.75 |
What Other Factors Affect Kia Insurance Costs?
The make and model of your car are two of the most important factors for determining your car insurance premiums. But numerous other factors play a role in your car insurance premiums, including:
- Your age, gender, and marital status
- Your credit score
- Where you live
- The amount of coverage and deductible that you choose
Every insurance company has its own proprietary method for calculating insurance rates, which is why you’ll see a range of premiums for the same make and model. But most companies also offer a wide range of car insurance discounts that can help you save money on your car insurance premiums.
An independent insurance agent can help you find the best rates in your area and make sure that you take advantage of all the discounts for which you are eligible.
FAQ about Kia Insurance
We compared several Kia models and found that the average cost of insurance coverage is $1,348.56 per year. This is slightly above the national average car insurance cost of $1,311 per year. Your Kia insurance costs will be above or below the average for the brand, depending on the model, model year, and several other factors.
We found that the Kia K900 is the most expensive model to insure. The average annual insurance cost for a K900 according to our research is $1,611.60.
The Kia Sportage is the cheapest Kia model to insure, according to our research. The average cost to insure a Sportage is $1,112.75 per year. This is well below the national average car insurance premium of $1,311.
How to Save the Most Money on Kia Insurance
You can save the most money on Kia insurance by working with an independent insurance agent in your area. Independent agents can compare coverage and quotes from multiple insurance companies, allowing you to choose the one that’s best for your needs and budget. Your agent will also help you maximize the discounts you can apply to your premium, getting you the best possible rate.
https://www.thezebra.com/auto-insurance/vehicles/kia/cadenza/
https://www.thezebra.com/auto-insurance/vehicles/kia/forte/
https://www.thezebra.com/auto-insurance/vehicles/kia/k900/
https://www.thezebra.com/auto-insurance/vehicles/kia/niro/
https://www.thezebra.com/auto-insurance/vehicles/kia/optima/
https://www.thezebra.com/auto-insurance/vehicles/kia/rio/
https://www.thezebra.com/auto-insurance/vehicles/kia/sedona/
https://www.thezebra.com/auto-insurance/vehicles/kia/sorento/
https://www.thezebra.com/auto-insurance/vehicles/kia/soul/
https://www.thezebra.com/auto-insurance/vehicles/kia/sportage/