Best Kia Spectra Auto Insurance Rates 2021

To get the best price on your Kia Spectra auto insurance, you'll need to shop around and compare. Thanks to the safety features of the Kia Spectra, you can get car insurance discounts. However, things like your driving record and how much you drive will also affect your Kia Spectra auto insurance rates.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Nov 20, 2021

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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.

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Things to Remember

  • The cost of insurance for a Kia Spectra depends on the trim level
  • The Kia Spectra has safety features that include Driver Air Bag and Emergency Trunk Release
  • Safety features of the Kia Spectra can earn you a car insurance discount

Buying a new car is both fun and a lot of work. If the Kia Spectra is on your list (or if you’ve already made your choice) you need all of the information before you move forward. We’ve gathered what you need to know when you buy a Kia Spectra right here.

Take a look at what you can expect in terms of insurance rates for the Kia Spectra and compare it to other similar vehicles. Then find out how the Kia Spectra stacks up in terms of safety ratings and features, as well as what it costs to buy a Kia Spectra right here.

If you need insurance for a Kia Spectra right now, we can help. Enter your ZIP code for free Kia Spectra car insurance quotes from top companies.

What impacts the cost of Kia Spectra insurance?

The Kia Spectra trim and model you choose can impact the total price you will pay for Kia Spectra insurance coverage.
You can also expect your Kia Spectra rates to be affected by where you live, your driving history, and in most states your age and gender.

Kia Spectra Safety Features

The numerous safety features of the Kia Spectra help contribute to lower insurance rates. The Kia Spectra has the following safety features:

  • Driver Air Bag
  • Passenger Air Bag On/Off Switch
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • Front Disc/Rear Drum Brakes
  • Child Safety Locks
  • Emergency Trunk Release

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Ways to Save on Kia Spectra Insurance

If you want to reduce the cost of your Kia Spectra insurance rates, follow these tips below:

  • Ask about usage-based insurance for your Kia Spectra
  • Check your Kia Spectra policy carefully to ensure all information is correct
  • Check reviews and state complaints before you choose an insurer
  • Pay your bills on time — especially Kia Spectra payments and insurance
  • Take public transit instead of driving your Kia Spectra

Top Kia Spectra Insurance Companies

What is the best auto insurance company for Kia Spectra insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Kia Spectra auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features found on the Kia Spectra.

Largest Auto Insurers by Market Share

Rank Company Volume Market Share
1 State Farm $66,153,063 9.1%
2 GEICO $46,358,896 6.4%
3 Progressive $41,737,283 5.7%
4 Allstate $39,210,020 5.4%
5 Liberty Mutual $36,172,570 5.0%
6 Travelers $28,786,741 4.0%
7 USAA $24,621,246 3.4%
8 Chubb $24,199,582 3.3%
9 Farmers $20,083,339 2.8%
10 Nationwide $18,499,967 2.5%

Comparing Free Kia Spectra Insurance Quotes Online

You can start comparing quotes for Kia Spectra insurance from some of the top car insurance companies by using our free online tool today.

Free Auto Insurance Comparison

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