Kia's monthly insurance costs are $47 for minimum coverage and $130 for full coverage. In our affordability study, Kia ranks 10th for minimum coverage and 14th for full coverage. This makes Kia a mid-range option for insurance costs among automakers.
Kia Car Insurance
Updated: June 17, 2025
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Key Takeaways
GEICO provides the most affordable Kia car insurance, with rates starting at $37 monthly for minimum coverage and $98 for full coverage.
Depending on various factors like age, model, and coverage level, Kia auto insurance costs can range anywhere from $423 to $644 annually for minimum coverage.
We found Kia to rank 14th out of 23 automakers in our study for full coverage and 10th for minimum coverage, placing it on the less expensive side for car insurance.
How Much Is Kia Insurance on Average?
Coverage Level | Average Monthly Rate | Average Annual Rate | Affordability Ranking (Out of 23) |
|---|---|---|---|
Minimum Coverage | $47 | $562 | 10th |
Full Coverage | $130 | $1,566 | 14th |
*Rates are for a 40-year-old driver with good credit and no driving violations insuring 2012 to 2022 models.
Kia Car Insurance Cost by Model
The most expensive model from Kia for insurance is the Stinger, costing $53 for minimum coverage and $164 for full coverage monthly. The most affordable is the Soul, with average monthly rates of $50 for minimum coverage and $101 for full coverage.
| Kia Stinger | $631 | $1,879 |
| Kia Niro | $610 | $1,486 |
| Kia Soul EV | $626 | $1,435 |
| Kia Soul | $621 | $1,299 |
*Rates are for a 40-year-old driver with good credit and no driving violations for model years ranging from 2012 to 2022.
Kia Car Insurance Cost by Model Year
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.
Data filtered by:Results filtered by:
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Model Year:2016
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Kia Model:Kia Soul
| Kia Soul | 2016 | $637 | $1,296 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Kia Car Insurance Cost by Age
Teens face 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. Check the table below for the average cost of insuring a Kia by age group.
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Age:16
| 16 | $2,973 | $6,600 |
*Rates are for a driver with good credit and no driving violations.
Is Kia Insurance Expensive?
Kia's insurance costs are typically more affordable due to the brand's average value and part costs. In terms of safety, Kia drivers ranked about middle of the pack, as shown in a study done by LendingTree, so that won't impact rates too much.
How Expensive Is Kia Insurance Compared to Similar Vehicles?
We analyzed rates for a 2024 Kia Soul against similar vehicles in its class based on MSRP. We discovered that Kia insurance prices are higher on average than similar vehicles, primarily due to increased risks of theft. You can see our full comparison in the table below:
Make and Model | Average MSRP | Annual Minimum Coverage Rate | Annual Full Coverage Rate |
|---|---|---|---|
Kia Soul | $23,715 | $623 | $1,450 |
Hyundai Kona | $29,420 | $598 | $1,458 |
Honda CR-V | $33,430 | $591 | $1,334 |
Subaru Forester | $33,465 | $540 | $1,291 |
Cheapest Kia Car Insurance Companies
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.
| GEICO | $37 | $98 |
| State Farm | $37 | $99 |
| Travelers | $47 | $123 |
| Nationwide | $47 | $123 |
| Farmers | $51 | $135 |
Cheapest Car Insurance by Model
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.
| Kia Niro | GEICO | $39 | $99 |
| Kia Soul | State Farm | $37 | $86 |
| Kia Soul EV | GEICO | $36 | $87 |
| Kia Stinger | State Farm | $37 | $128 |
Cheapest Kia Car Insurance by Model Year
Explore the table below for the most affordable Kia car insurance tailored to your model and year.
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Kia Model:Kia Soul
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Model Year:2016
| State Farm | $451 | $1,027 |
| GEICO | $468 | $1,072 |
| Travelers | $580 | $1,331 |
| Nationwide | $607 | $1,328 |
| Allstate | $650 | $1,372 |
Cheapest Kia Car Insurance by Age
The lowest overall Kia Insurance rates by age range from $58 per month to $672 monthly, offered by State Farm. Below, you'll find the top five most affordable providers broken down by different ages for Kia vehicles.
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Age:40
| GEICO | $499 | $1,175 |
| State Farm | $496 | $1,191 |
| Travelers | $636 | $1,472 |
| Nationwide | $674 | $1,478 |
| Farmers | $723 | $1,621 |
Best Car Insurance for Kia Vehicles
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.
| GEICO | 90 |
| State Farm | 89 |
| Travelers | 85 |
| Nationwide | 83 |
| Farmers | 82 |
GEICO: Best for Most Kia Owners
pros
Most affordable rates for most Kia owners
Offers coverage for Kias with push-to-start
Most extensive discount selection, especially for federal employees and military
cons
Lower than average customer service ratings nationwide
COMPANY HIGHLIGHTS
GEICO is the most affordable option for most Kia owners, and it also earns the top spot as the best for Kias. It offers the lowest price for half of the models that we looked at, along with most young adults. GEICO also offers the most extensive discount selections and ranks second nationwide according to J.D. Power for their usage-based discount program DriveEasy (Which can save you up to 30% on premiums).
State Farm: Best for Kia Stinger Owners
pros
High customer satisfaction ratings
Lowest rates for Kia Stingers
Extensive discounts for young drivers
cons
Limited coverage options
COMPANY HIGHLIGHTS
Although it's not the cheapest overall, State Farm offers the best rates for Kia Stingers. However, where the company stands out most is its higher-than-average customer service and claims satisfaction, ranking 6th overall for claims satisfaction according to J.D. Power. It's also within the top five for overall satisfaction in 42 out of 52 states (top 3 in 15 out of 50). Additionally, State Farm has attractive discounts for drivers under 25 with reductions for students and a defensive driving program that can save you up to 20%.
Nationwide: Best Car Insurance Coverage Options for Kia Owners
pros
Offers a pay-per-mile program and unique add-on coverages
Highest-rated usage-based discount program in the country
cons
Much lower than average customer satisfaction nationwide
Higher rates for most Kias
COMPANY HIGHLIGHTS
Nationwide is not the most affordable option for Kia drivers. What makes Nationwide particularly valuable for Kia owners is their SmartMiles pay-per-mile program, ideal for drivers with lower annual mileage and their Better Car Replacement feature that upgrades you to a newer Kia if your vehicle is totaled. Nationwide's SmartRide telematics program has also earned the highest customer satisfaction scores from J.D. Power, potentially saving Kia drivers up to 40% on their premiums, matching the maximum discount available nationwide for demonstrated safe driving behaviors.
How to Find the Best Cheap Car Insurance Company for Your Kia
Discover affordable ways to insure your Kia and save money. Simple, practical tips await you.
- 1
Assess your needs
First, find the insurance coverage suitable for you, your comfort level with deductibles, and any optional coverages that could save costs in an accident. Use tools like our car insurance coverage needs calculator to receive tailored advice and explore your options.
- 2
Research average costs and discounts
Investigate the insurance costs for your Kia to understand potential savings. Explore discounts targeting your vehicle and driver profile to maximize reductions, especially if no at-fault accidents or moving violations are on your record.
- 3
Compare multiple providers
Obtain quotes from various insurers and ensure comparisons are based on similar coverage, deductibles and limits. Research each company's reputation, available discounts and coverage specifics to determine the most suitable provider.
- 4
Consider Kia's insurance program
While evaluating different providers, consider exploring Kia's insurance partnerships and specialized coverage options, which often account for your vehicle's safety ratings and available driver assistance features.
Kia Auto Insurance Cost: Bottom Line
Kia's insurance costs sit mid-range in the U.S., 14th for full coverage and 10th for state minimum, out of 23 car brands. Affordable options do exist. We recommend checking with several providers to secure the best rate.
Kia Car Insurance: FAQ
Below are MoneyGeek expert answers to frequently asked questions about Kia car insurance.
Which insurance company is the cheapest for Kia?
Among insurance providers for Kia vehicles, GEICO, State Farm, Travelers and Nationwide offer the most affordable for Kia, regardless of coverage level, driver profile and model.
How much is Kia car insurance?
Kia car insurance averages $1,566 annually for full coverage and $562 annually for state minimum coverage. Monthly, you would pay around $130 for full coverage and roughly $47 for minimum coverage. These rates depend on factors like the Kia model you drive, your driving history and the specific insurance coverage you choose.
Is car insurance on a Kia more expensive?
No, insuring a Kia is often less expensive as Kias are generally considered economical vehicles with lower MSRPs and repair costs. Their parts are commonly available, making them easier and cheaper to fix compared to luxury brands.
Which Kia model is the cheapest to insure?
Overall, the 2020 Kia Soul is the cheapest of the Kia models to insure.
How We Determined Kia Auto Insurance Costs
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.
How We Chose Best and Cheapest Car Insurance for Kias
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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- LendingTree. "Tesla, Ram, Subaru Have Worst Drivers, While Mercury, Pontiac, Cadillac Have Best." Accessed June 17, 2025.