Kia Spectra Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Kia Spectra is less expensive to insure than the average car.

• Liability only insurance prices for a Spectra tend to be around $85 a month, while full coverage typically runs about $155.

• The most affordable auto insurance carrier for a Spectra is Aspire, who offers premiums as little as just $40 monthly.

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Spectra Overview

The Kia Spectra is a great car for drivers on a budget, with a base price of just $13,550 for 2009 models. Drive off the dealership lot in style, with your choice of two different trim options.

We analyzed thousands of insurance quotes on Compare.com, and we've found that Kia Spectra car insurance rates are around $113 a month, on average. But how does that compare to other vehicles on the market?

How Much is Car Insurance for a Kia Spectra?

Looking at the table above, you'll find that when you compare the Kia Spectra to other vehicles, insurance premiums are right about average. On average, Spectra owners can expect to pay around $155 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $85 monthly for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

Comparing it to other models, the Spectra is slightly more affordable, with prices about 9% lower than the other vehicle types offered by Kia. But compared to other vehicles of a similar body style, Spectra coverage runs close to average, with full coverage insurance rates $22 cheaper than other cars and liability insurance prices coming in at $2 higher.

The same applies when comparing the Kia Spectra to vehicles of any body type, no matter what make, model, or body style they are.

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Who has the Cheapest Car Insurance for a Kia Spectra?

Looking for an auto insurance policy for your Kia Spectra? You're probably most interested in which company offers the lowest prices. Even though there will never be one carrier that offers the cheapest rates for everyone, the lowest average rates for liability only insurance are sometimes just $36 a month from ACG. With car insurance as low as $40 per month, Aspire is the next lowest auto insurance company.

Finishing off the rest of the top 5 are Safeway, Shelter Mutual, and CaliforniaCasualty. However, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Kia Spectra.

Car insurance carriers take many different variables into consideration when offering you rates. By analyzing quotes from quite a few insurance companies at once, you can guarantee you're finding the cheapest rate.

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What Factors Affect Car Insurance Rates for a Kia Spectra?

There are a multitude of factors that car insurance carriers take into account to decide how much to charge you for insurance -- and every carrier weighs certain pieces more than others, so there's not one company that's the most affordable for each Spectra owner.

Here are just a few of the things car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

Kia has been making the Spectra for quite some time -- and that means the car's age may play a role in how much you'll pay for car insurance. Typically, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and Spectras continue to depreciate, insurance costs will gradually go lower.

Since a new model has not been added to the market for at least 5 years, the Spectra won't really fit this trend. However, as you can see in the table above, the most expensive Kia Spectras to insure are those that are 11 to 14 years old, while the cheapest models are Spectras that are 4 to 5 years old, on average.

Your Age

Your age is another variable that makes a big difference in how much auto insurance companies will charge you for a policy. Based on the information above, those who have more experience have more affordable premiums compared to the youngest Spectra drivers. Kia Spectra drivers under 18 actually pay over three times as much as those 25 or older.

Auto insurance prices continue to go down as you get older, with the cheapest age group being 55-64 for Spectra drivers.

Your Gender

Because women are less likely to get speeding tickets and get into collisions, they have a decreased chance of filing a claim with insurance. So, women normally pay less for insurance than men. When it comes to Spectra drivers specifically, women pay around 15% less than men a month for auto insurance.

Where You Live

You're probably already aware that factors such as what vehicle you drive and how old you are play a role in your car insurance rates, but you may not realize that where you live is just as important. Because insurance is regulated on a state-by-state basis, premiums fluctuate quite a bit depending on where you live.

For example, the average Kia Spectra driver from New York pays about $188 monthly for liability coverage. Meanwhile, the same owner from California will pay less than 50% of that price, on average. The chart above shows average rates for the top 10 most populous states, just to give you a good idea of how much prices can change between states.

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Kia Spectra Car Insurance Discounts

Whatever how old you are, which car you drive, or what state you live in, using as many discounts as possible when it comes to your car insurance is always a good idea when shopping around for a policy.

Not every auto insurance carrier will offer the same discounts, but there are a few that are relatively common. These include discounts like:

• Multi-vehicle discounts for having several cars on your auto policy
• Pay-in-full discounts for choosing to pay your entire policy rate at once, rather than by monthly payments
• Defensive driving discounts for taking a defensive driving class through a certified school or institution
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher safety ratings

These discounts are great, but sometimes, the best rates come from simply having a favorable insurance profile, which means having a clean driving record or not having any recent insurance claims.

You obviously can't control every single aspect of your car insurance profile (like some of the variables we mentioned above), but there is quite a bit that you do have control over. Below are just a few of the variables you can use in your favor when it comes to saving money:

Your Driving Record

You've almost certainly noticed ads from insurance carriers offering large savings for safe drivers. It shouldn't come as a surprise that if you get a speeding ticket or get into a collision, auto insurance rates will go higher. But exactly how much is it going to cost you for these infractions?

You can see from the table above that accidents will usually cost Spectra drivers more than tickets, but both will result in above average rates. Kia Spectra drivers with one ticket will pay about $102 a month, while drivers with a single accident on their record pay an average of $110 per month (up $25 from the $85/mo. overall average). The rates only go up the more tickets you get or collisions you have.

How Much You Drive

Another factor you have control over is the total amount of miles you drive. Those who are on the roads less have fewer opportunities to get into an accident, so they'll generally end up paying less for insurance. In the above table, you can see that Kia Spectra owners who drive 10,000 miles or more pay $83 for car insurance, while those who drive fewer than 2,500 miles each year pay about $74 monthly.

But if you don't drive much because have a second vehicle or you work from home, you might consider learning about usage-based or pay-per-mile auto insurance policies. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Kia Spectras Compare to Other Vehicles?

If you're considering buying a new car and a Kia Spectra is on your shortlist, you might want to know how it compares to other cars. Insurance is just one cost that comes with a new car purchase, but it's guaranteed to be one that's worth taking into consideration.

Review the table below to see how the Kia Spectra compares:

Overall, the Kia Spectra is a fantastic value when it comes to price, with an MSRP that's less than half of the going rate for a new vehicle. While the national average vehicle price is $33,180, the Spectra starts at just $13,550. A used Spectra will be even cheaper, since there hasn't been a new model added to the market in the last few years.

Although the Spectra's price is on the low end of the spectrum, car insurance premiums are slightly higher when compared to other vehicles on the market. Full coverage insurance for a Kia Spectra is around $3 per month more than average, while liability only coverage is $8 higher per month.

When it comes to usage, Kia Spectra drivers are pretty close to the national average in annual miles driven, with 11,660 miles every year for all vehicles compared to the Spectra's 11,780 a year.

Kia Spectra Car Insurance Costs by Model Year

We've gone over many of the things that can have an impact on how much the average driver pays for auto insurance. If you're thinking about buying a new vehicle and the Spectra is one you're considering, having a good idea of exactly what you'll pay can be extremely valuable as you weigh your options.

So we've broken down Kia Spectra insurance prices by model year. Choose a specific Spectra model year in the dropdown below and see average rates for both full coverage and liability only insurance. You'll also find some other helpful info, such as who offers the lowest policies, which trim levels are offered, and the base MSRP for each Spectra model year.

Choose Your Model

2009 Kia Spectra Car Insurance 2008 Kia Spectra Car Insurance 2007 Kia Spectra Car Insurance 2006 Kia Spectra Car Insurance 2005 Kia Spectra Car Insurance 2004 Kia Spectra Car Insurance 2003 Kia Spectra Car Insurance 2002 Kia Spectra Car Insurance 2001 Kia Spectra Car Insurance 2000 Kia Spectra Car Insurance

2009 Kia Spectra Car Insurance

It costs about $89 a month for liability or $172 for a full coverage policy for the 2009 Spectra.

Jupiter offered the most affordable policy we found, with rates sometimes as cheap as $20 monthly.

If you want to find the best premiums for auto insurance for a 2009 Kia Spectra, enter your ZIP code below and compare a whole range of personalized quotes in just a few minutes.

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2008 Kia Spectra Car Insurance

On average, drivers who own a 2008 Kia Spectra can expect to pay $84 to $143 per month for liability only and full coverage car insurance, respectively.

Looking for the cheapest policy? Liberty Mutual offered liability only coverage for as cheap as $19 monthly.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2007 Kia Spectra Car Insurance

2007 Spectra drivers can expect to pay an average of $87 per month for liability or $155 for full coverage.

With rates sometimes as little as $21 a month, Liberty Mutual offered the lowest policy we found.

What will your insurance premium be? Get lots of personalized quotes for free by just entering your ZIP code below.

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2006 Kia Spectra Car Insurance

The average cost to insure a 2006 Kia Spectra with liability only coverage is $84 monthly, while full coverage runs around $153 a month.

With prices as low as just $20 per month, Elephant offered the cheapest policy we found for the 2006 Kia Spectra.

If you want to know just how much your price will be, just enter your ZIP code below and get several free quotes in minutes.

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2005 Kia Spectra Car Insurance

You can expect full coverage for a 2005 Spectra to run about $144 monthly, while liability only coverage will average around $82 per month.

We found Mercury offered the lowest policy, with rates as little as $22 a month.

Interested in what your car insurance premium will be? All you need to do is enter your ZIP code below and you'll be on your way to comparing numerous personalized quotes from the nation's top insurance companies.

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2004 Kia Spectra Car Insurance

The average cost to insure a 2004 Kia Spectra with liability only coverage is $76 per month, while full coverage runs about $149 monthly.

If you're looking for the most affordable 2004 Kia Spectra insurance policy, Safeco offered the most affordable policy we found, with rates as cheap as just $22 a month.

If you want to know exactly how much you can expect to pay for your Spectra, just enter your ZIP code below and get several free quotes in minutes.

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2003 Kia Spectra Car Insurance

2003 Spectra drivers can expect to pay an average of $79 monthly for liability or $144 for full coverage.

Liberty Mutual has rates sometimes as low as $23 per month for the 2003 Kia Spectra.

If you want to know exactly how much you can expect to pay for your Spectra, just enter your ZIP code below and get free quotes in minutes.

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2002 Kia Spectra Car Insurance

You can expect full coverage for a 2002 Kia Spectra to run around $140 a month, while liability only coverage will average about $98 per month.

With prices as little as $23 a month, Mercury offered the lowest policy we found for the 2002 Kia Spectra.

These average premiums are a great starting point if you're in the market for a 2002 Kia Spectra, but there are multiple variables that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2001 Kia Spectra Car Insurance

On average, drivers who own a 2001 Spectra can expect to pay $94 to $73 monthly for liability only and full coverage auto insurance, respectively.

With rates sometimes as low as $25 a month, Safeco offered the cheapest policy we found.

Want to know just how much you'll pay? Get a variety of free customized quotes by just entering your ZIP code below.

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2000 Kia Spectra Car Insurance

It costs around $61 per month for liability or $119 for a full coverage policy for the 2000 Kia Spectra.

Looking for the most affordable policy? Commonwealth Casualty offered liability only coverage for as cheap as just $23 monthly.

While these are good estimates of what the average driver might pay to insure a 2000 Kia Spectra, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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Kia Spectra Insurance FAQs

Is a Kia Spectra expensive to insure?

Liability insurance runs an average of $85 per month, while full coverage will cost you around $155. The Kia Spectra is relatively cheap to insure compared to the average vehicle.

How can I get the best price on car insurance for my Kia Spectra?

The only way to be confident you're getting the cheapest price on insurance is to check prices regularly and compare quotes from several carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a lot of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Kia Spectra affect my insurance prices?

You might have heard the old adage that it costs more to insure a red car than cars of other colors, but that's actually a myth. There are a wide array of factors auto insurance carriers look at when they calculate how much your policy will be, but the color of your vehicle is not one of them.

Do I need to have insurance before I buy a Kia Spectra?

Before you can legally drive your new (or new to you) Spectra off the dealership lot, you'll need to have valid insurance for it. Some dealerships may offer you a car insurance policy as part of the car-buying process, but your best bet is letting your car insurance company know ahead of time.

What car insurance discounts can I get for my Kia Spectra?

There are a range of different discounts out there for auto insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are based less on your car and more on you, but if your Spectra has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may be eligible for certain discounts. To learn more about which discounts you might qualify for, get in touch with your insurance carrier and ask about their discounts.