Kia Car Insurance: Average Rates, Cheapest Companies, and How to Save

Kia makes some of America’s top-ranked vehicles. Unfortunately, Kia insurance costs have gone up over the last few years, mostly due to an increase in theft cases. And some insurance companies, like State Farm and Progressive, may not even insure some Kias.

Kia drivers pay an average monthly rate of $143, according to Compare.com data — which is more than you’ll pay for other vehicles. In this article, we show you how to find the best insurance company and how to save money on your car insurance costs.

Key Takeaways:

• Farmers and SafeAuto are the cheapest insurers overall for Kia drivers, with average monthly premiums of $78.
• The Kia Soul is the cheapest model to insure, at $127 per month.
• You can save money by choosing a safer Kia model, taking advantage of discounts, and shopping around for auto insurance.

In This Article:

• Why Kias Cost More to Insure
• Cheapest Kia Car Insurance Companies
• Kia Insurance Rates by Model
• Best Kia Insurance Companies
• Kia Insurance Rate Breakdowns
• How to Get Cheaper Kia Insurance
• Frequently Asked Questions

How Much Does It Cost to Insure a Kia?

The average monthly car insurance rate for a Kia is $143, according to our data. Though Kia’s average insurance premiums are higher than those for other vehicles, you could pay less since your actual premium will depend on the coverage you choose.

The table below breaks down the average monthly liability and full-coverage premiums for Kias compared to all vehicle makes.

If you purchase a Kia, you’ll pay an average monthly rate of $110 for liability-only insurance and $201 for full coverage. Both figures are above the national averages for all brands, but car insurance rates vary by factors beyond the vehicle make and model.

In later sections, we explore how age, driving record, and location affect your Kia car insurance premium.

Why are Kias so expensive to insure?

Kia vehicles are more expensive to insure because of high theft rates. The Highway Loss Data Institute showed a massive increase in Kia and Hyundai thefts between 2020 and 2023. From January to June of 2023, Kia and Hyundai car thefts were nearly seven times higher than other types of cars.

Primarily, older models see these effects because they lack engine immobilizers — anti-theft devices that prevent car thieves from hot-wiring vehicles. Experts also link the rise in thefts to the widespread circulation of videos teaching users how to steal these vehicles, which became a serious problem on social media — especially TikTok.

In 2023, Progressive and State Farm refused to offer auto insurance policies for certain Kia and Hyundai models, according to CNN. It’s unclear whether rates have started to stabilize for Kia and Hyundai owners, but Kias are still more expensive to insure than other vehicles, according to our analysis.

The Cheapest Car Insurance Companies for Kias in 2024

Even though the average cost of car insurance is higher than normal for a Kia, getting cheaper rates is possible. One of the best ways to save on auto insurance is by shopping around to find more affordable coverage.

The five insurers featured in the table below have the most competitive rates for Kias, according to Compare.com data.

Farmers and SafeAuto are the cheapest options overall for Kia drivers. Both companies charge an average monthly rate of $78. While these companies are the cheapest on average, it doesn’t mean they’ll be the cheapest option for everyone.

Using a car insurance comparison site to compare quotes from at least three different insurers will allow you to find the best rates and terms for your situation. Different insurance companies benefit different types of drivers, so it’s important to compare all your options.

Let’s see how your rates change based on which Kia model you buy.

Kia Insurance Rates by Model

The car model you choose affects how much you pay for car insurance. Kia costs can vary by model and model year, depending on its standard equipment and safety features.

The following table breaks down common Kia models, the average monthly premium for each, and the cheapest insurer for each model, according to Compare.com data.

The K5 is the most expensive Kia model to insure, according to our analysis, with an average monthly premium of $198. On the other hand, the Kia Soul is the least expensive model, with an average monthly rate of $127.

Keep in mind that the rate you receive can also vary substantially depending on where you live — drivers in certain ZIP codes pay more for car insurance.

Now, let’s check out some of the best insurers for your Kia based on several popular driver profiles.

The Best Kia Insurance Companies of 2024

No single car insurance company is the “best” insurer for all Kia owners. We’ve analyzed dozens of insurers to find the best ones for different driver profiles. We chose the following companies based on average rates for a Kia, available discounts, customer ratings and reviews, and coverages offered.

Let’s take a look at which companies are the best option for different types of drivers.

Best for rideshare drivers: Farmers

• Average Kia premium: $78 per month
• Compare.com Rating: 4.53 out of 5

Pros:

• Some of the cheapest rates for Kias
• Many discounts available
• Coverage for rideshare drivers

Cons:

• Below-average J.D. Power Score rating
• Discounts not available in certain states
• Doesn’t offer 24/7 customer service

Farmers is a solid pick for Kia drivers — its monthly rate of $78 is among the cheapest for Kias. The insurer offers the standard coverages you’d expect to see in an auto insurance policy, like liability, collision, comprehensive, and uninsured motorist coverage.

Farmers also offers rideshare insurance, so Uber and Lyft drivers can get coverage whether they’re using their vehicles for professional or personal reasons.

Best for high-risk drivers: SafeAuto

• Average Kia premium: $78 per month
• Compare.com Rating: 4.15 out of 5

Pros:

• Non-standard auto insurance available
• Some of the lowest auto insurance rates
• Claims to offer a wide variety of discounts

Cons:

• Not available across the United States
• Mixed online reviews
• Difficult-to-navigate website

SafeAuto is now part of Direct Auto Insurance Company, an Allstate brand. The insurer specializes in non-standard insurance policies for high-risk drivers, so it could be a good option for anyone with a history of speeding tickets or DUIs. But SafeAuto has mixed reviews, and its website can be hard to navigate.

Best for safe drivers: Safeco

• Average Kia premium: $83 per month
• Compare.com Rating: 4.59 out of 5

Pros:

• Discounts and rewards for safe drivers
• Telematics program
• Customizable policy options

Cons:

• Below-average J.D. Power Score rating
• Must complete quote with an insurance agent
• Poorly rated by the Better Business Bureau

Safeco is the best option for car owners with a clean driving record, thanks to RightTrack, the company’s telematics program. You’ll earn a 10% discount just for signing up and could save up to 30% depending on your driving behavior. The company offers additional benefits for good drivers, like a diminishing deductible and cash back for staying claims-free.

Kia Insurance Rates by Age

Age is one of the most important factors in determining your car insurance rates. Insurers usually charge the highest rates to teens and drivers under the age of 25, largely due to their lack of experience behind the wheel. But as you enter middle age, these rates start to steadily decrease.

Let’s look at how age affects your average monthly insurance rates and how you can save with different insurers.

Teens pay the highest rates for car insurance, at $237 per month. But rates drop substantially in your 20s and 30s. Drivers in their 50s, 60s, and 70s pay the lowest rates for auto insurance. SafeAuto is the cheapest option for drivers in nearly every age group.

Kia Insurance Rates by Driving Record

Your driving record has a significant effect on your car insurance rates since insurers consider drivers with a history of accidents and claims to be higher-risk.

The following table highlights the average monthly premiums for different driving records and the cheapest insurer for each category.

Drivers with clean records pay the lowest rates for auto insurance, but rates increase substantially after one at-fault accident or DUI. Kia drivers with a recent ticket or at-fault accident on their record can save the most by choosing SafeAuto as their insurer.

Kia Insurance Rates by State

Where you call home also plays a part in determining your car insurance rates. For example, you’ll pay more for auto insurance if you live in a big city than someone who lives in a rural area. Your insurance rates can also go up if you live in an area with high rates of theft, vandalism, or accidents.

The following table shows the average car insurance rates by state for a Kia, according to Compare.com data.

North Carolina, New Hampshire, and Hawaii offer some of the cheapest car insurance rates for Kia drivers. But you can still reduce your premiums even if you live in a state with higher insurance rates.

Keep reading for some tips on how to get cheaper insurance for your Kia.

How to Get Cheaper Car Insurance for Your Kia

Since car insurance costs are higher for Kia drivers, you’ll have to be intentional about looking for ways to save. Here are five tips for finding cheap car insurance for your Kia:

• Pay attention to the model: The Kia model and year you choose affect how much you’ll pay for auto insurance. Certain model years may cost less to insure due to better safety features or lower repair costs.
• Research discounts: Take advantage of any discounts your insurance company offers. For example, you could save by bundling your auto and home insurance or by maintaining a low annual mileage.
• Reduce coverage on older cars: If you drive an older, paid-off Kia that you can afford to replace, you may be able to get by with liability-only coverage. It’s a good idea to review your coverage annually to make sure you aren’t paying for coverage you don’t need.
• Raise your deductible: Your deductible is a one-time, out-of-pocket expense you’ll pay whenever you file an insurance claim. Choosing a higher deductible can be a good way to lower your insurance premium, but be prepared to pay more out of pocket if you file a claim.
• Shop around: Insurance costs can vary quite a bit depending on the insurance company, so shopping around to compare quotes from different insurers is one of the best ways to save.

Kia Auto Insurance FAQs

Here are answers to common questions about Kia auto insurance to help you save on car insurance costs.

Are Kias expensive to insure?

Yes, Kias are typically expensive to insure. The average monthly premium for a Kia is $143, which is slightly higher than average rates for all types of vehicles, according to our analysis.

Why are insurance companies not covering Kias?

Some auto insurance companies stopped issuing new policies after Kia theft rates skyrocketed from 2020 to 2023, according to the Highway Loss Data Institute.

Is it hard to get insurance for a Kia?

It depends. It can be hard to find car insurance because companies believe that Kia’s are easier to steal. So, some insurers may be unwilling to offer you coverage. Your best bet is to shop around and compare quotes from multiple companies to get the coverage you need.

Is Progressive not insuring Kias?

In 2023, Progressive announced it would not issue new policies to Kia owners because of the increased theft rates. It’s unclear whether Progressive has reversed its policy on Kia and Hyundai vehicles since then.

Data Methodology:

Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.

All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.

Sources:

1. Highway Loss Data Institute, “Hyundai and Kia theft and vandalism losses,” accessed August 2, 2024.
2. J.D. Power, “What Is A Theft Immobilizer?,” Accessed August 2, 2024.
3. CNN, “Some auto insurers are refusing to cover certain Hyundai and Kia models,” accessed August 2, 2024.
4. J.D. Power, “2024 U.S. Auto Insurance Study,” accessed August 2, 2024.
5. Trustpilot.com, “SafeAuto Reviews,” accessed August 2, 2024.
6. Better Business Bureau, “Safeco Insurance,” accessed August 2, 2024.
7. Insurance Information Institute, “What determines the price of an auto insurance policy?,” Accessed August 2, 2024.
8. Insurance Information Institute, “Nine ways to lower your auto insurance costs,” accessed August 2, 2024.