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How Much is Kia Car Insurance?

Q: Is Kia going to fix the theft problem?

Yes, Kia announced a free software upgrade for eligible models in February 2023. Remember that the issue does not affect all Kia models or model years.

Written by Alyssa DiCrasto

Reviewed by Katie Dee

Last updated: February 26th, 2024

The cost to insure a Kia ranges from $1,840 to $2,300, depending on the model, year, and trim. The price you’ll pay for Kia insurance will also vary based on personal factors like where you live and your driving record.

What does it cost to insure my Kia?

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Are Kias hard to insure?

You may have heard some Kia owners have issues insuring their vehicles. In early 2023, theft rates on older Kia models surged, accelerated by popular videos circulating social media that taught others how to break in and steal vehicles that did not come with a standard immobilizer.

In response to the rising theft rates on some Kia models, some insurance companies, like Progressive and State Farm, refused to insure these vehicles in some states. For owners of these models, it became harder to insure their vehicle.

However, there is no need for alarm. First, not all Kia models are affected, only certain models from 2015-2019 with lower trim. Additionally, even if your vehicle was one of the models affected, you always have options for insurance. Our car insurance comparison tool can help you understand what insurance companies can serve you and how much you can expect to pay at each.

Are Kias expensive to insure?

Among popular 2023 vehicles, Kias are generally cheap to insure. The average cost for 2023 Kia models is between $1,840 and $2,300. However, the price you will pay for Kia insurance depends on several factors, including the year, model, and trim level of your vehicle as well as personal factors like where you live, your age, and your driving record.

Some Kia models that were affected by increased theft rates may also be more expensive to insure than other vehicles because they bring heightened risk to insurance companies.

Kia insurance rates by model

The cheapest Kia to insure is a Kia Sportage while the most expensive model is the Kia Forte. In general, SUVs are less expensive to insure than sedans, so it makes sense that the compact Sportage is well below the average cost of car insurance ($2,123) and the Forte is about $180 above it.

The chart below shows you the average cost of insurance for popular 2023 Kia models. These rates are based on a single 35-year-old male with good credit.

Model	Premium
Kia Sportage	2,032
Kia Soul	2,101
Kia Sorento	2,222
Kia Telluride	2,224
Kia Forte	2,512
Kia K5	2,542

Annual rates for a single 35-year-old male, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024.

Insurance for popular Kia models

Kia Sportage

The Sportage is Kia’s best-selling model in the U.S. It is also the cheapest Kia to insure. The Sportage comes in 7 trims with hybrid and plug-in hybrid models available.

See how much it costs to insure a Kia Sportage >

Kia Soul

With perhaps the most recognizable Kia frame, the Soul is a popular crossover SUV that gets 35 miles per gallon and offers many safety and tech features.

See how much it costs to insure a Kia Soul >

Kia Sorento

The Kia Sorento offers seating for up to 7, has up to 13 standard driver assistance features, and 28 miles per gallon.

See how much it costs to insure a Kia Sorento >

Kia Telluride

The Telluride is the largest Kia model, with seating for up to 8 and impressive towing capacity. The Telluride has been recognized for its safety and dependability.

See how much it costs to insure a Kia Telluride >

Kia K5

The K5 is a midsize sedan that gets an impressive 37 miles per gallon and goes from 0-60 mph in just 5.7 seconds.

See how much it costs to insure a Kia K5 >

Kia Forte

The Kia Forte is a popular compact sedan known for its dependability and high-tech features.

See how much it costs to insure a Kia Forte>

Cheap car insurance companies for Kia

Top companies for Kia include Nationwide, Progressive, and Geico. However, the cheapest company for you might be different depending on where you live and other factors like your age and driving record.

Average cost of Kia car insurance at popular car insurance companies

Carrier	Premium
USAA	1,649
Progressive	1,665
Nationwide	1,752
Auto-Owners Insurance	1,793
Geico	1,805
State Farm	2,028
Travelers	2,028
Farmers	2,600
Allstate	2,678

Annual rates for a single 35-year-old male, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024.

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How much should I expect to pay to insure my Kia

Personalized rate estimates at the top insurance companies in your state

Your rates will vary based on where you live, your age, and other factors like your driving record

Frequently asked

Is Kia going to fix the theft problem?

Yes, Kia announced a free software upgrade for eligible models in February 2023. Remember that the issue does not affect all Kia models or model years.

Is a Kia worth the money?

Kia is generally considered worth the money. As an economy brand, their vehicles are moderately priced and their cost of maintenance and insurance are generally on par with other vehicles. Kia has also won many awards for its dependability.

Why are Kia and Hyundai hard to insure?

Due to rising theft rates on vehicles without a standard immobilizer, some large insurance companies, like State Farm and Progressive, refused to insure certain Kia and Hyundai models in 2023. Owners of these models still have options for insurance.

Methodology

Rate Retriever rates are based on public rate filings obtained by analytics company First Interpreter. This data comes from the rating plans insurance carriers submit to each state’s department of insurance. Rating plans detail how each carrier calculates premiums using factors such as location, age, gender, and driving record, and they ensure that insurance premiums are both fair and competitive.

For the data on this page, we made the following assumptions: a 35-year-old single male with a clean driving record and Good credit score. We adjusted this profile by vehicle make, model, trim, and year to determine the rates you see on this page.

These rates are not actual quotes and should only be used for comparative purposes. Your rates can vary significantly based on your unique driver profile.

About Rate Retriever

At Rate Retriever, our mission is to make the way you shop for insurance transparent and fair through user-friendly tools that respect your privacy and deliver reliable, comprehensive results.

So we took everything we hated about comparing insurance quotes online – the spam, the long questionnaires, the limited choices, the inaccuracy of quote prices – and threw it out the window, favoring a short form that more accurately estimates what you’ll pay at each of the top insurance providers near you.

Rate Retriever is an independent company that is not owned by an insurance provider, nor do we provide insurance ourselves. This independence allows us to be your free and impartial insurance research tool, helping you make the best decisions for your insurance needs.

We may earn a commission when you click one of the links or call one of the providers listed on our site; however, we do not allow our partnerships to influence which information we provide.