Affordable Kia Auto Insurance Quotes (2023)
While rates are a little higher than the national average, it’s not impossible to find affordable Kia auto insurance quotes. Average Kia auto insurance costs $132 per month, but there are many ways to save. Kia insurance rates are also affected by model, with the Sorento having the highest prices.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, Finance101.com, and Forbes. As a parent herself, she under...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Kia auto insurance rates run higher than the national average, but there are ways to save
- To maximize your savings, consider bundling policies and opting into usage-based discount programs
- The most important step in finding affordable Kia auto insurance quotes is comparing multiple companies
Despite being seen as a frugal brand, getting affordable Kia auto insurance rates can be challenging. Kia car insurance rates tend to be higher than the national average, but understanding auto insurance can help you find affordable prices. Since Kia car insurance prices tend to be a little higher, it takes a little more work to find low rates.
Although it takes some research, finding affordable Kia auto insurance quotes doesn’t have to be complicated. Drivers can find the cheapest car insurance for Kias by taking advantage of discounts and comparing quotes with as many companies as possible.
Understanding Different Types of Insurance for Kias
The Kia you drive is more than a mere vehicle meant to shuttle you from A to B. In fact, if you don’t own your home, it may be your single largest financial asset. If that’s the case, insuring it properly is imperative to protect yourself from unnecessary risks. Every insurance provider has a slew of options worth considering. Let’s take a look at the different types of auto insurance coverage.
Liability coverage
Required in most states, liability auto insurance coverage is the foundation of all auto insurance policies. Whether you cause an accident, a pile-up, run over a neighbor’s mailbox, or cause injuries to another party, your vehicle’s liability coverage protects you in some of the most common — and most dangerous – situations.
Read more: Does my auto insurance cover damage caused by road rage?
Comprehensive coverage
To protect your asset, comprehensive auto insurance coverage may very well be a necessity. In today’s economy, windshields commonly run north of $1,000 to replace, and many states waive auto insurance deductibles for windshield repair/replacement.
Read more: Does my auto insurance cover damage to my windshield?
Comprehensive coverage also kicks in when you need to file claims regarding theft, falling objects, floods, or a variety of other external causes which don’t involve your vehicle colliding with another object.
Collision coverage
Suppose you’ve still got payments to make, whether loan or lease. Comprehensive and collision will be required by your lienholder/lessee to protect their investment. If it’s paid off, neither is required, but both are worth looking into.
Liability (listed above) pays for damages or injury to the other party’s person/vehicle in the event that you cause an accident, but liability does not pay to fix your vehicle in such an instance. Collision coverage is offered as a means of repairing or replacing your vehicle in the event of an at-fault accident. Learn the differences between comprehensive and collision coverage.
Uninsured/underinsured motorist coverage
This largely unknown coverage could be a lifesaver under the right circumstances. In many states, the required liability coverage one needs to drive covers far less in property damage than would be necessary to replace your vehicle.
For instance, let’s consider the Kia Telluride. Nowadays, they start just shy of $36,000. If someone totals your vehicle in a state which requires that they carry only $25,000 in property damage liability, you could be left responsible for paying over $10,000 for an accident you didn’t cause.
Underinsured coverage steps in to make up the difference between the offending driver’s liability limit and the cost of the resulting medical/property damage. Find out what happens if you get caught driving without auto insurance.
Roadside assistance
This is a relatively cheap option at most insurance companies, but it may help you evade the costliest of claims. Abandoning a vehicle raises the chances of vandalism and theft, so a few extra bucks a year may protect your purchase and give you peace of mind. Find the best roadside assistance companies here.
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Finding Affordable Kia Auto Insurance Quotes
While Kias are economically savvy, they aren’t cheap vehicles. Kia drivers should expect reasonable car insurance rates landing slightly above average.
Kia insurance rates vary greatly widely by model. A Kia EV6 sells for over double the Kia Soul, so you can expect your monthly rate to reflect such a discrepancy. Still, the vehicle you drive is but a single data point that factors into your overall cost. Your age, driving history, credit score, insurance history, location, and other personal information also forms part of the picture.
Here’s what you should expect on average on the insurance front:
Vehicle model | Comprehensive | Collision | Liability | Full Coverage |
---|---|---|---|---|
2023 Kia Sportage | $28 | $47 | $37 | $128 |
2023 Kia Soul | $31 | $50 | $37 | $134 |
2023 Kia Sorento | $32 | $56 | $37 | $141 |
2023 Kia Sedona | $27 | $44 | $35 | $120 |
2023 Kia Rio | $24 | $49 | $47 | $138 |
2023 Kia Optima | $32 | $53 | $42 | $145 |
2023 Kia Niro | $27 | $47 | $42 | $131 |
2023 Kia K900 | $37 | $67 | $42 | $161 |
2023 Kia Forte | $32 | $50 | $37 | $135 |
2023 Kia Cadenza | $31 | $55 | $42 | $143 |
Check auto insurance requirements by state.
Tips for Comparing Affordable Kia Auto Insurance Quotes
Coverage options and discounts vary from provider to provider. Fish for as many quotes as you can and look them over thoroughly before making a decision. Keep these discounts in mind along the way:
- Vehicle safety. Safety’s all the rage these days. Many Kia models have high-tech safety features that may slash your premiums. When requesting quotes, entering your VIN increases the chances of safety features being taken into account.
- Anti-theft. If your Kia’s ready to ward off would-be carjackers with anti-theft features, ask your insurance carrier to be sure that you’re seeing those savings.
- Multi-car. Does your Kia have company in the garage? Quote your other vehicle(s), too. Bundling vehicles with the same company often garners one of the biggest discounts available.
- Multi-line. Bundling multiple policies from the same company can help you save on each. If your insurance is more expensive than it should be and you don’t own your home, ask for a renters quote with your auto quote.
- Drivers training. Maybe it’s been since you’ve taken a driver’s training course. Most insurers offer discounts for taking updated classes, even online.
- Usage-based discounts. Many major insurance companies offer discounts for drivers who allow monitoring of their driving habits, whether through a device or by downloading and maintaining an app.
Where to Get Affordable Kia Auto Insurance Quotes
In truth, there’s no direct answer. The cheapest car insurance available varies from place to place and person to person, even if quoting the exact same car. Finding the best Kia auto insurance company depends on several factors.
Price should always be a determining factor in picking new insurance, don’t let it be the sole measure. By all means, find out who has the best rates but also check their consumer ratings. Remember: Every minute you spend worrying about your car insurance is a slice of time you don’t get back.
In an emergency, who will address your needs quickly? Who will help you secure a rental vehicle or find the right body shop? Finding cheap car insurance is simple enough, but can you find affordable car insurance you can trust? That takes a little more legwork.
To find the best car insurance for your Kia, you should also consider your personal preferences. Should you prefer face-to-face interaction, opt for an agent. Captive agents can quote you with a single company, while independent agents (brokers) can quote you from a variety of companies at once. Agents serve as your direct contact in the event of an emergency, claim, or crisis.
Some companies prefer to operate without local agents at all. This can save on expenses, but if you’re an in-person customer, then saving a couple of bucks may not be worth the headache. If, however, you prefer to do your business online or via an app, the reverse could be true.
In today’s auto market, claims are expensive and reliable vehicles are in higher demand than usual, so finding the right insurance is invaluable. Do yourself a favor and track down the insurer who provides you with the peace of mind you’re paying your hard-earned dollars for. If they take your money, but they don’t have your trust, it’s time to shop around.
Frequently Asked Questions
Is car insurance expensive on a Kia?
Prices vary by individual model. Kia car insurance runs slightly above the average, but they’re far from the priciest among car manufacturers.
Does Kia provide insurance?
Yes. Kia Premier Motor Insurance offers comprehensive coverage with a small array of coverage selections.
How is Kia’s insurance?
Kia Premier Motor Insurance is offered through Allianz Australia Insurance Limited, a provider that isn’t particularly well-known in the United States.
Which company has the cheapest car insurance for Kias?
It can vary from place to place and model to model, but Geico is most commonly the cheapest car insurance for Kias.
Can I transfer my insurance policy if I sell my Kia and buy a new one?
In most cases, you cannot directly transfer your insurance policy to a new vehicle. However, you can usually make adjustments to your existing policy or obtain a new policy for your new Kia. It’s important to notify your insurance provider promptly to ensure continuous coverage and avoid any gaps or overlaps in insurance protection.
Is insurance for Kias more expensive than other cars?
While it’s not the most expensive brand to cover, Kia auto insurance is higher than the national average. Many factors play into these rates, but one of the primary reasons is that Kias are some of the most stolen cars in America.
Compare over 200 auto insurance companies at once!
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, Finance101.com, and Forbes. As a parent herself, she under...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.