Kia Picanto insurance group and cost

The Kia Picanto is a small city car produced by the Korean manufacturer since 2004. This entry-level car is one of the more affordable petrol cars available to buy, run and insure in the UK. In this guide, you’ll learn the key facts about insuring this vehicle.

Kia Picanto insurance groups and cost by driver’s age

When it comes to car insurance, all vehicles are given a specific insurance group that ranges from 1 (cheapest) to 50 (most expensive) which helps determine the cost of your premium. Kia Picanto models range from insurance groups 3 to 10, so you can generally expect the cost of your insurance to be quite reasonable.

However, the the cost of insurance can vary between insurance groups based on a number of different factors including your car’s performance, safety features and cost of repair. For example, a 30-year-old driver in an average postcode could pay around £564 for cover on a Kia picanto 1 1.0 66bhp 5d (insurance group 4), or around £640 for a Kia Picanto GT-Line 1.0 T-GDi 99bhp 5d which falls in insurance group 10.

You can find the insurance group, and likely premium cost, of your Kia Picanto model in the table below.

• How we got these rates

  These rates are based on the average cost of cover for cars in the insurance groups shown, for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: June 2024 (source: Confused).

Average Kia Picanto insurance cost

To provide you with an idea of how much it may cost you to insure your Kia Picanto, we ran several quotes to find an average figure. Based on our results, on average, you could insure your Kia Picanto with a comprehensive policy for the monthly price of £60.05, or an annual sum of £661.92.

• How we got this rate

  To generate these quotes we used the following information:

  • The vehicle is a 2018 model
  • Manual transmission
  • Petrol
  • 1.2 litre engine
  • Car has 5 seats
  • 5 doors
  • Factory fitted alarm system
  • The car is not modified
  • Used for social, domestic and commuting purposes
  • 10,000 mileage per year
  • The car is parked in a work car park during the day
  • The car is parked on a driveway at night
  • Owner is a 30-year-old, single teacher from London
  • Owner is a homeowner
  • Five years no claims discount
  • No driving or other convictions in the last 5 years

Kia Picanto insurance cost by location

The table above shows the average cost of Kia Picanto insurance based on insurance groups and driver age. However, a number of other factors can affect the cost of your car insurance premiums, one of the biggest being your location.

To show how much your location can impact your premium, here are some average quotes for a 30-year-old living in three different locations. The quotes are for a Kia Picanto 1.25 83bhp 5d.

• Expensive: £901 (London SE1)
• Average: £689 (Newcastle NE1)
• Cheap: £653 (Galashiels TD1)

• How we got these rates

  These rates are based on the average cost of cover for cars in the locations shown. Our research suggests SE1 is one of the most expensive locations, NE1 represents an average cost location and TD1 represents one of the cheapest locations. Updated: June 2024 (source: Confused).

Which factors affect my Kia Picanto insurance rate?

Along with the insurance group, there are other key factors that impact your insurance premium costs:

• Engine type and capacity. In general, the bigger the engine, the higher the cost of your insurance. An average 30-year-old may pay £564 for the 1.0-litre Kia Picanto 1 66bhp 5d, but could pay around £689 for the 1.25 litre Kia Picanto 83bhp 5d.
• Driver location. Where you live helps determine the level of risk that your car may be stolen or you’ll be involved in an accident, and this affects the cost of insurance. For example, a 30-year-old in central London may pay £901 for insurance for a Kia Picanto GT-Line S 1.25 83bhp 5d, while the same 30-year-old in Newcastle may only pay £689.
• Driver age. The younger you are, the more risk you represent to insurers, and the more you’re likely to pay for insurance. The average 20-year-old driver in London may pay £2,365 for the Kia Picanto Wave 1.0 66bhp 5d, while the average 40-year-old Londoner will only pay £691.

Other factors that influence the cost of your insurance include:

• Your marital status
• Your credit history and job
• Your car’s safety rating score
• The model of your car
• The age of your car
• Your car’s security and any extra anti-theft precautions
• Annual miles driven
• Your driving history and activity
• No claims discount

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How can I save on my Kia Picanto car insurance?

Whilst car insurance is a legal requirement, you don’t want it to cost a fortune. When searching for insurance, you’ll want to find the best deal for a price that’s within your budget. There are a few tricks you can try in order to save on your car insurance premiums, and we’ve listed them below.

• Limit your car usage (where possible). Occasionally deciding to walk or get public transport, rather than using your car, can help to save on your premiums.
• Pay annually rather than monthly. Whilst it might be scary to part with a large sum of money in one go, by paying annually you can save an average of £58.68 a year.
• Install extra safety precautions. The safer your car is, the less of a risk it will be for companies to insure. By adding extra safety measures, you’re quite likely to lower your premium.
• Don’t just accept your renewal quote. Although it might be time consuming, when it’s time for renewal make sure you shop around and don’t just settle for the renewal price given to you – there may be cheaper options out there!

Kia Picanto facts and trivia

• The vehicle is primarily manufactured in Seosan, South Korea.
• It is also known as the Kia Morning, Kia New Morning or Kia Eurostar in various parts of the world.

Bottom line

The low cost of insuring a Kia Picanto is definitely one of the pros of driving this vehicle. With the tips in our guide, you’ll be able to drive your premiums down even lower.

Frequently asked questions

• How much does a Kia Picanto cost?

  In the United Kingdom, the on-the-road price of a new Kia Picanto ranges from £10,220 to £15,270 depending on the version.

• What is the top speed of a Kia Picanto?

  Depending on the model version, Kia Picantos can reach top speeds between 100mph and 112mph.

• Is the Kia Picanto safe?

  The Kia Picanto was awarded 3 stars out of 5 under the Euro NCAP safety analysis. Kia Picanto models average across the board with 79% on adult occupant safety and 64% for child occupant safety.

• How much car tax do I have to pay for the Kia Picanto?

  The UK standard car tax rate sites at £145 per year. However, you might pay more or less depending on your car’s emissions.

• Where can I buy a Kia Picanto?

  You can buy a Kia Picanto online or by visiting your local Kia Picanto retailer. You can also buy Kia Picantos through various motor resellers and websites.

• Is the Kia Picanto expensive to insure?

  This depends on the specific model of Kia Picanto you have and the insurance group it falls under. Kia Picanto models can range between insurance groups 3 and 10, so in general the insurance costs should fall on the cheaper side in comparison to other car makes and models.

Written by

Danny Butler

Publisher

Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio

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