Kia Insurance: How Much Is It and How to Get Coverage
Car insurance for a Kia costs an average of $240 per month for a full coverage policy.
Find Cheap Auto Insurance Quotes in Your Area
Depending on the model you drive and the insurance company you choose, Kia insurance rates can vary from $132 per month to $456 per month.
On this page:
How much is insurance for my Kia?
Kia car insurance cost by model
The Seltos, a compact SUV, is the cheapest Kia to insure. A full coverage policy for a Kia Seltos costs around $211 per month.
The most expensive currently produced Kia to insure is the EV6, hybrid crossover SUV. Full coverage insurance for an EV6 costs $272 per month, on average.
Find Cheap Auto Insurance Quotes in Your Area
Full coverage Kia insurance by model
The Kia K900 is the most expensive model to insure overall, at $294 per month for a full coverage policy.
Kia stopped making the K900 in 2021, but its luxury interior and twin-turbo engine may make K900 parts more expensive to replace after a crash.
Kia insurance rates by company
Geico has the cheapest car insurance for Kia owners.
At $161 per month, full coverage from Geico costs $79 per month less than the average cost to insure a Kia.
However, Geico isn't the cheapest option for every model. If you own a Cadenza, Carnival, Sorento, Sportage or Stinger, you may find cheaper rates at Progressive.
Nationwide has the most expensive Kia car insurance, charging $347 per month for a full coverage insurance policy. That's more than double the cost of a policy from Geico.
Average cost of full coverage Kia insurance by company
Company | Monthly rate | ||
|---|---|---|---|
| Geico | $161 | |
| Progressive | $167 | |
| State Farm | $225 | |
| Farmers | $236 | |
| Travelers | $294 | |
*USAA is only available to military members, veterans and their families.
The company you choose has a much bigger impact on the cost of Kia insurance than the model you drive. That's why it's important to shop around for quotes from multiple insurance companies to find the cheapest rate for you.
Why are Kias so expensive to insure?
Kias are actually not expensive to insure.
The average cost of full coverage insurance for a Kia is $240 per month. That's cheaper than insurance for many similar companies.
For example, the average cost of full coverage insurance is $255 for a Honda and $280 per month for a Hyundai. Toyotas are typically a little cheaper to insure, at $212 per month, on average.
The price of your car affects the amount you pay for full coverage insurance, and Kia has some of the cheapest models on the market. For example, the Soul starts at $20,490, making it one of the cheapest compact SUVs on the market.
The cost of your car affects insurance rates because an inexpensive car is usually cheaper to fix or replace if you're in a crash.
Kia Cadenza car insurance quotes
Car insurance for a Kia Cadenza costs an average of $237 per month for a full coverage policy. That makes the Cadenza the most expensive Kia sedan to insure, despite the sedan model being discontinued in 2020.
Year | Monthly rate |
|---|---|
| 2020 | $268 |
| 2018 | $240 |
| 2017 | $228 |
| 2016 | $225 |
Progressive has the cheapest full coverage quotes for Kia Cadenza owners, at $160 per month. Geico also offers affordable rates, with an average of $173 per month.
Kia Carnival insurance rates
The average cost of full coverage car insurance for a Kia Carnival is $232 per month. The Carnival is the most expensive full-sized Kia to insure, which makes sense because it also has the highest price tag.
Year | Monthly rate |
|---|---|
| 2025 | $240 |
| 2024 | $234 |
| 2023 | $224 |
| 2022 | $227 |
Progressive offers the cheapest car insurance for Kia Carnival owners. At $163 per month, a full coverage policy from Progressive costs around half the average rate.
The Kia Carnival is a minivan that Kia began producing in 2022 to replace the Kia Sedona.
Kia EV6 insurance cost
The average cost of car insurance for a Kia EV6 is $272 per month for a full coverage policy. That makes the EV6 the most expensive current Kia model to insure.
That's likely because it’s an electric car, which typically costs more to insure than gas-powered models. Their parts tend to cost more to repair or replace after an accident.
Year | Monthly rate |
|---|---|
| 2024 | $281 |
| 2023 | $271 |
| 2022 | $264 |
The EV6 is also one of the most expensive Kias to purchase, with a starting price of $42,600.
Geico has the cheapest full coverage rate for the Kia EV6, at $151 per month. That's $39 per month less than the second-cheapest company, Progressive.
How much is insurance for a Kia Forte?
Full coverage car insurance for a Kia Forte costs an average of $235 per month. Geico offers the cheapest car insurance quotes for Kia Forte owners. At $148 per month, a full coverage policy from Geico is one-third cheaper than average.
Year | Monthly rate |
|---|---|
| 2024 | $274 |
| 2023 | $264 |
| 2022 | $262 |
| 2021 | $246 |
| 2020 | $226 |
Kia K5 insurance cost
The average cost insurance for a Kia K5 insurance is $267 per month for a full coverage policy. That's $27 per month more expensive than the average cost to insure a Kia.
The K5 is a performance sedan with a turbocharged engine. The K5 GT can go from zero to 60 in 5.4 seconds. This is probably part of its higher insurance costs, because insurance companies believe performance cars are more likely to be in an accident.
Year | Monthly rate |
|---|---|
| 2025 | $289 |
| 2024 | $281 |
| 2023 | $273 |
| 2022 | $246 |
| 2021 | $244 |
Geico is the cheapest option for K5 insurance, at $182 per month for a full coverage policy. That's $85 per month cheaper than average and $38 per month less expensive than the second-cheapest company, Progressive.
Kia K900 car insurance rates
Full coverage car insurance for the Kia K900 costs an average of $294 per month. The K900 was discontinued in 2021. However, its luxury-inspired design, including leather upholstery and real wood trim, makes it the most expensive Kia to insure.
Year | Monthly rate |
|---|---|
| 2020 | $311 |
| 2019 | $311 |
| 2018 | $296 |
| 2017 | $277 |
| 2016 | $274 |
Geico offers the cheapest K900 insurance rates, at $203 per month for a full coverage policy. That's $91 per month less than the average cost to insure a K900.
Kia Niro car insurance rates
Insurance for the hybrid Kia Niro costs around $220 per month for a full coverage policy. That's $20 per month cheaper than average.
Year | Monthly rate |
|---|---|
| 2025 | $241 |
| 2024 | $235 |
| 2023 | $229 |
| 2022 | $215 |
| 2021 | $211 |
Geico offers the cheapest quotes for the Niro. A full coverage policy from Geico costs around $132 per month. That's $88 per month cheaper than average.
Kia Optima car insurance rates
Kia Optima owners pay an average of $228 per month for full coverage car insurance. Insurance for the Optima costs $12 per month less than the average rate for a Kia.
In 2021, Kia discontinued the Optima, replacing it with the K5, which has more powerful engine options.
Year | Monthly rate |
|---|---|
| 2020 | $247 |
| 2019 | $235 |
| 2018 | $224 |
| 2017 | $216 |
| 2016 | $217 |
Geico and Progressive offer the cheapest car insurance for the Kia Optima. Both companies charge around $160 per month for a full coverage policy.
The Kia Optima lacks some standard anti-theft features, which means it's easier to steal.
Kia owners should take steps to protect their cars against theft, like installing LoJack or an aftermarket immobilizer. These add-ons may earn you a discount with some insurance companies.
Kia Rio car insurance rates
The average cost of car insurance for a Kia Rio is $227 per month for a full coverage policy. The Rio was discontinued in 2023 as Kia moved to expand its crossover SUV options.
Year | Monthly rate |
|---|---|
| 2023 | $265 |
| 2022 | $260 |
| 2021 | $255 |
| 2020 | $248 |
| 2019 | $233 |
Kia Rio owners can find the cheapest car insurance quotes at Geico. A full coverage policy from Geico costs $135 per month, which is $92 per month cheaper than average. Progressive also offers affordable rates, averaging around $140 per month.
Kia Rios produced prior to the 2022 model year don't have an engine immobilizer, which is a key anti-theft device. That means these older Rios are more likely to be stolen.
Rio owners should consider installing an immobilizer or other anti-theft device like a car alarm. This could help lower your insurance rates.
Kia Seltos insurance cost
The Seltos compact SUV is the cheapest Kia model to insure, at $211 per month for a full coverage policy. That's $29 per month cheaper than the average cost to insure a Kia.
Year | Monthly rate |
|---|---|
| 2025 | $224 |
| 2024 | $220 |
| 2023 | $208 |
| 2022 | $204 |
| 2021 | $201 |
Geico has the cheapest car insurance for Kia Seltos owners. At $136 per month, a full coverage policy from Progressive is $71 per month less than average. Progressive is only slightly more expensive, at $137 per month, on average.
Kia Sorento insurance cost
Full coverage car insurance for a Kia Sorento costs an average of $228 per month. The Sorento is the most expensive gas-powered Kia SUV to insure. However, it costs $4,400 less to buy a Sorento than a Telluride.
Year | Monthly rate |
|---|---|
| 2024 | $246 |
| 2023 | $238 |
| 2022 | $231 |
| 2021 | $223 |
| 2020 | $215 |
| 2019 | $213 |
Rates for the 2025 Kia Sorento were unavailable.
Sorento owners can find the cheapest rates at Progressive, where a full coverage policy costs $139 per month. That's $89 per month less than the average rate to insure a Sorento. Geico also offers affordable insurance for the Kia Sorento, with an average rate of $143 per month.
Kia Soul insurance cost
The average insurance cost for a Kia Soul is $226 per month for a full coverage policy. That's $14 per month less expensive than the average cost of Kia insurance.
Year | Monthly rate |
|---|---|
| 2025 | $243 |
| 2024 | $233 |
| 2023 | $226 |
| 2022 | $223 |
| 2021 | $218 |
| 2020 | $212 |
The cheapest Kia Soul insurance rates come from Geico. A full coverage policy from Geico costs $149 per month. That's $33 per month less than the second-cheapest company, Progressive.
Kia Sportage insurance cost
The Sportage, a compact crossover SUV, is the second-cheapest Kia model to insure, at $214 per month for a full coverage policy.
Year | Monthly rate |
|---|---|
| 2025 | $232 |
| 2024 | $226 |
| 2023 | $219 |
| 2022 | $215 |
| 2021 | $208 |
Progressive has the cheapest coverage for a Kia Sportage, at $132 per month for full coverage. That's $82 per month cheaper than average.
Kia Stinger insurance cost
The average cost of full coverage car insurance for a Stinger is $289 per month. That's $49 per month higher than average. The Stinger, a turbocharged sports car, is one of the most expensive Kia models to insure.
Year | Monthly rate |
|---|---|
| 2023 | $318 |
| 2022 | $310 |
| 2021 | $296 |
| 2020 | $288 |
| 2019 | $267 |
| 2018 | $255 |
Progressive offers the most affordable insurance for a Kia Stinger. A full coverage policy from Progressive costs $143 per month, which is half the average cost. It's also $43 per month less than the second-cheapest company, Geico.
The Stinger, which was discontinued in 2023, comes with a turbocharged engine with up to 368 horsepower, and it has the ability to go from zero to 60 in 4.7 seconds.
Insurance companies tend to charge more money to insure performance cars like the Stinger. That's because they believe these cars are more likely to get into an accident.
Kia Telluride car insurance quotes
The average insurance cost for a Kia Telluride is $227 per month for a full coverage policy. Insurance for a Telluride is $13 per month cheaper than the average for a Kia.
Year | Monthly cost |
|---|---|
| 2024 | $243 |
| 2023 | $235 |
| 2022 | $223 |
| 2021 | $216 |
| 2020 | $216 |
Telluride owners can find the cheapest rates at Geico, where a full coverage policy costs $156 per month. That's $71 per month cheaper than the average for a Telluride.
Progressive also offers affordable rates for Kia Telluride, at $160 per month for full coverage. That's only $4 per month more expensive than Progressive.
Which companies are not insuring Kias?
Allstate, State Farm and Progressive announced that they are limiting the number of new policies they offer for some Kia models.
This only affects new customers living in certain areas. The companies aren't dropping Kia owners, so the companies won't cancel your policy if you're already a customer. But your rates could go up.
These companies have not provided a list of models or years that they won't cover. But you may not be able to get a policy from them if your car doesn't have an engine immobilizer.
How to protect your Kia from being stolen
There are a few steps that Kia owners can take to protect their car. These may also make it easier to get insurance, or earn you a discount on your insurance bill.
- Get the Kia anti-theft software update by calling 800-333-4542.
- Install an aftermarket immobilizer kit. This is the priciest option, but it will make it so your car can't be easily hot-wired.
- Install an alarm system, or use a wheel-locking device. Kia may reimburse you for these items. But you should call 800-333-4542 to make sure before buying an expensive system.
- Install a car tracker like LoJack, or hide an Apple AirTag in your car. This will help the police recover your car if it's stolen.
Frequently asked questions
What is the best car insurance for a Kia?
State Farm offers the best mix of affordable rates and reliable customer service to Kia owners. While State Farm costs $64 per month more than the cheapest company, Geico, it offers much better customer service. State Farm could be worth the extra cost if you're ever in a crash.
Why are insurance companies not insuring Kias?
Some Kia models don't have a basic piece of anti-theft technology in the form of an engine immobilizer. This makes them easier to steal, and very expensive for insurance companies to cover. So, some companies won't cover these models, which include Kia Fortes, Optimas, Rios, Sedonas, Sorentos, Souls and Sportages with model years between 2015 and 2021.
Why is insurance so high on Kias?
Car insurance for Kias doesn't cost more than similar types of cars. The average cost of insuring a Kia is $240 per month for a full coverage policy. In comparison, Toyotas cost an average of $212 per month to insure, while Hondas and Hyundais cost $255 per month and $280 per month, respectively.
Methodology
To find the average cost of Kia car insurance, ValuePenguin collected quotes from eight top companies across every ZIP code in California. The average rate is across all available model years between 2016 and 2025.
Rates are for a 30-year-old single man with a good credit score and clean driving record. Rates per model are for the base trim level.
Quotes are for a full coverage policy with comprehensive and collision coverage, along with higher liability limits than the state requirement.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per person
- Uninsured and underinsured bodily injury liability: $50,000 per person and $100,000 per accident
- Comprehensive and collision deductible: $500
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
Compare Kia to other brands | |
|---|---|
| $212 per month Read review |
| $240 per month |
| $255 per month Read review |
| $280 per month Read review |
| $300 per month Read review |