Finder makes money from featured partners, but editorial opinions are our own. Advertiser disclosure

Kia Insurance Rates

Compare car insurance for Kias

Get the cheapest quotes for your car

Compare providers in your area.

Your information is secure

The average insurance cost of a Kia is $186.70 a month, or $2,240.40 a year. Your actual cost could be more or less depending on your driving record, the number of miles you drive in a year and other factors. Some of the variables that affect the price of insurance include your age and your location, as well as the year, model and trim package of your Kia.

ModelMonthly insurance rateBase car price
Cadenza$220.00$31,990
Forte$180.00$16,600
K900$220.00$49,900
Optima$181.00$22,200
Rio$187.00$14,165
Sedona$190.00$26,900
Sorento$165.00$25,600
Soul$176.00$16,100
Soul Ev$174.00$32,250
Sportage$174.00$23,200
1 - 5 of 5
Name Product USFCI Gap insurance Homeowner discount Telematics Has an app? Available states
Pretected (Main Provider) logo
Varies by provider
Depends on provider
Varies by provider
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
GoodRatesFinder
GoodRatesFinder logo
Depends on provider
Depends on provider
Depends on provider
Depends on provider
All 50 states & DC
Compare Between Top Carriers And Start Saving.
Go to site
AutoQuoteCenter
AutoQuoteCenter logo
Depends on provider
Depends on provider
Depends on provider
Depends on provider
All 50 states & DC
The AutoQuoteCenter platform makes sure you are presented with the top options in one place.
Go to site
GoCarQuotes
GoCarQuotes logo
Depends on provider
Depends on provider
Depends on provider
Depends on provider
All 50 states & DC
A smart matching engine will sift through thousands of possible insurance policies and only present you with relevant and valid options.
Go to site
BestPolicyRate
BestPolicyRate logo
Depends on provider
Depends on provider
Depends on provider
Depends on provider
All 50 states & DC
Choose the specific policy that suits you the most from a list of matching policies.
Go to site
loading

Get the cheapest quotes for your car

Compare providers in your area.

Your information is secure

How a vehicle from Kia affects insurance costs

Kias are affordable vehicles, which makes insurance more affordable as well. These cars are not costly to repair or replace, which helps to bring down the cost of insurance. Newer Kia models also do well in safety tests, another factor insurance companies consider when determining the cost of your insurance premium.

However, some Kias are targeted by thieves, which can increase the cost of insurance.

Kia roadside assistance

New Kias built in 2014 or newer get free roadside assistance for up to 5 years or 60,000 miles, whichever comes first. The Kia roadside assistance service includes:

  • Towing to the nearest Kia dealership
  • Battery jump start
  • Flat tire change
  • Gas delivery if you run out of fuel, limited to 2 times per year and up to 2 gallons of gas
  • Lockout if you lost your key
  • Trip interruption up to $300 for food, hotel and alternate transportation for overnight trips over 150 miles away from home

To use Kia roadside assistance, call Kia’s 24/7 roadside hotline at 1-800-333-4542. You’ll need to provide your vehicle’s VIN when you call. There’s a maximum limit of $75 per roadside event.

New Kia drivers can skip adding this coverage to a car insurance policy. Drivers with older Kias that no longer have roadside warranty coverage can add on roadside assistance to your car insurance policy to benefit from roadside help when you need it.

Pros and cons of insuring a Kia

Pros

  • Newer models do well in safety tests
  • Not costly to repair or replace
  • Decent gas mileage

Cons

  • Targeted by thieves

About the Kia brand

Kia was founded in 1944 and opened its first plant one year later. But it wasn’t until the ’80s that the company began exporting cars to the US.

Throughout the years, Kia has won many awards, including Kelley Blue Book’s 5 Great Deals, Autocar’s Car Company of the Year and the Environmental Management Award.

Are there any standout Kia models?

The K900 is Kia’s highest-end car, with a starting price of $49,900. This luxury model Kia has a 3.8L V6 engine and 311 horsepower that produce a smooth overall ride. Kia’s goal with the K900 was to “breathe new life into luxury,” and does so with dynamic bending light, an aerodynamic design, prestige distance (the space between the cabin and front wheel) and a spacious, comfortable interior.

What’s Kia UVO?

UVO is an infotainment and telematics system that provides Kia owners with eServices. Features include navigation, diagnostics, rear-camera display, emergency assistance and parking minder. When you download the UVO app onto your smartphone you can access remote commands like climate control, lock/unlock, vehicle status, find my car and more.

UVO is available for most Kia models beginning in 2014.

Kia car facts

  • Kia is the second largest automotive manufacturer in South Korea and has been around since 1944.
  • In 2015, Kia sold over 3.3 million vehicles.
  • Kia base prices start at $15,000 and can go up to $50,000.

Bottom line

Kias are generally affordable to insure, barring any personal factors, but be sure to shop around to find the best car insurance for you.

Frequently asked questions about Kia

Julia Cameron's headshot
Written by

Writer

Julia Cameron is a freelance journalist and editor, specializing in personal finance, mergers and acquisitions and immigration law. Her writing and analysis has been featured in TechRadar, MSN, Harper's Bazaar, Time and other top media. She holds a BA in English literature from the University of Central Florida. See full bio

More guides on Finder

Ask a question

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site