Kia Car Insurance

On average, Kia drivers pay about $93 per month for minimum coverage and $183 for full coverage, based on MoneyGeek’s 2025 Quadrant data.  These figures reflect rates for a 40-year-old driver with good credit and a clean driving record.
In our affordability study, Kia ranks 10th for minimum coverage and 14th for full coverage, making it a mid-range option among automakers.

Minimum coverage typically includes liability only and does not require deductibles. Full coverage includes comprehensive and collision with deductibles.

*Rates are for a 40-year-old driver with good credit and no driving violations insuring 2012 to 2022 models.

Insurance rates vary widely across Kia’s lineup. Smaller, lower-value models like the Rio and Soul cost less to insure, while larger or performance-oriented models such as the Sorento or Stinger tend to cost more.

The most expensive model from Kia for insurance is the EV9, costing $1,198 for minimum coverage and $2,337 for full coverage annually.

The most affordable is the Rio, with average annual rates of $950 for minimum coverage and $1,836 for full coverage, based on MoneyGeek’s 2025 Quadrant analysis.

Rates are for a 40-year-old driver with good credit and no driving violations, model years 2012–2022.
Rates vary by state due to insurance regulations.

Note: Rate differences reflect source variance — the Kia Soul’s $623 minimum rate refers to state-adjusted averages, while the $1,151 figure represents the national model average from MoneyGeek’s 2025 Quadrant data.

Typically, we have found that the pricier and newer your Kia is, the more you'll pay for insurance, with more affordable options for older models. Compare insurance costs for your Kia below.

*Rates are for a 40-year-old driver with good credit and no driving violations.

Teens have the highest car insurance costs, which tend to decrease as you get older, until around age 60. After that, the prices of Kia insurance rise slightly again. You could pay anywhere from $579 to $6,599 annually for Kia insurance, depending on how old you are and the coverage you choose.

*Rates are for a driver with good credit and no driving violations.

Kia’s insurance costs are moderately priced compared to most automakers. The brand’s vehicles tend to have average repair costs, strong safety ratings and readily available replacement parts, all of which help keep premiums manageable.

Models such as the Kia Forte and Kia Soul often qualify for insurer safety discounts because of their IIHS (Insurance Institute for Highway Safety) crash-test performance.

Performance trims, like the Stinger, can cost more to insure due to higher horsepower and greater theft risk.

When compared with other compact SUVs such as the Hyundai Kona, Honda CR-V, and Subaru Forester, Kia’s insurance costs are typically similar or slightly higher, depending on model and location. We discovered that Kia insurance prices are higher on average than similar vehicles, primarily due to increased risks of theft. 

Kia’s repair and maintenance costs remain competitive overall, keeping total ownership affordable even if premiums are modestly above certain rivals.

You can see our full comparison in the table below:

The cheapest overall car insurance company for Kia vehicles is GEICO, with average monthly rates of $37 for minimum coverage and $98 for full coverage. Close behind are State Farm, Travelers, Nationwide and Farmers, which also offer affordable rates for Kia owners.

While the above companies offer affordable plans, for Kia models, GEICO and State Farm provide the most budget-friendly minimum coverage. They stand out for their low-cost options.

The lowest overall Kia Insurance rates by age range from $58 per month to $672 monthly, offered by State Farm.

From our research, it's clear that the best overall companies to insure your Kia with are GEICO, State Farm, Travelers, Nationwide and Farmers. Each company has a great mix of low rates, extensive coverage options and good customer service reputations.

Kia car insurance offers strong value for drivers seeking dependable coverage at moderate rates. With GEICO, State Farm and Nationwide leading in affordability, most Kia owners benefit from low premiums supported by the brand’s solid safety record and easy-to-repair design. These factors make Kia insurance both practical and budget-friendly.

We calculated Kia insurance costs using data from Quadrant Information Services. Rates are based on the following driver profile:

• 40-years-old
• Good credit
• No driving violations
• 12,000 miles driven annually

Coverages used for minimum coverage are based on state requirements. Full coverage includes a 100/300/100 liability insurance split and comprehensive and collision coverage with a $1,000 deductible.

To calculate the best car insurance for Kia vehicles, MoneyGeek used a comprehensive scoring system based on five key factors:

• Customer satisfaction (35%): Measured using J.D. Power's study and the National Association of Insurance Commissioners (NAIC) complaint index
• Affordability (30%): Assessed by comparing rates from Quadrant Information Services
• Claims (20%): Evaluated through the J.D. Power Claims Study and CRASH Report Card
• Coverage (10%): Focused on roadside assistance, rental car reimbursement, OEM coverage and gap insurance
• Stability (5%): Determined by AM Best ratings on financial health

Data Sources

• AM Best: Financial strength ratings for insurers
• J.D. Power: Industry research and analytics
• NAIC: Consumer complaint and insurance data
• Quadrant Information Services: Car insurance pricing and comparative data

Analysis

MoneyGeek reviewed 80,676 quotes from seven companies using a standard driver profile (male, 40 years old, single, clean record) while adjusting for age, location and driving history.

Coverage Levels and Deductibles

• Minimum coverage: Covers damage to other's property
• Full coverage: Includes comprehensive (e.g., fire, weather) and collision (e.g., accidents) insurance
• Deductibles: Out-of-pocket costs before insurance payment starts

The term 100/300/100 means:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability

Learn more about MoneyGeek's methodology.