Your Kia Carnival's model year affects insurance costs, with 2025 models reaching $261 monthly, while older versions cost less. Newer Carnivals cost more to insure due to their higher market values.
Kia Carnival Insurance Cost
Updated: January 19, 2026
Key Takeaways
GEICO offers the most affordable Kia Carnival insurance on average, though full coverage costs vary widely by model year and insurer, averaging $180 monthly. Read more.
The Carnival ranks 30th out of 34 vans for insurance affordability, placing it in the expensive tier among vans. However, vans usually cost less to insure than other vehicle types due to lower repair costs and better safety ratings. Read more.
Your Carnival's specific model year makes a big difference in insurance rates, especially with teen drivers on your policy. Read MoneyGeek's analysis of rates by company for specific Carnival model years depending on the age of the drivers.
How Much Is Kia Carnival Insurance?
Looking for another Kia model? Read more about the cost of Kia car insurance models.
Costs vary by model year and company. Kia Carnival minimum coverage goes from $81 monthly with GEICO to $176 with UAIC, while full coverage spans $175 monthly with Travelers to $408 with AIG.
Rate variations exceeding $95 for minimum coverage and $233 for full coverage demonstrate why Carnival owners need to shop around. Insurance companies calculate risk differently for each model, which affects your final quote.
| AAA | $131 | $271 |
| AIG | $163 | $408 |
| Allstate | $130 | $252 |
| Amica | $142 | $291 |
| Chubb | $157 | $313 |
| Farmers | $171 | $302 |
| Geico | $81 | $178 |
| Kemper | $133 | $275 |
| Nationwide | $109 | $189 |
| Progressive | $113 | $211 |
| State Farm | $107 | $224 |
| The Hartford | $120 | $205 |
| Travelers | $95 | $175 |
| UAIC | $176 | $220 |
Is Kia Carnival Expensive to Insure?
MoneyGeek's analysis of van insurance costs reveals where the Kia Carnival stands among similar vehicles. Comparing it to the other 34 vans in our rate database, the Carnival ranks 30th in affordability, meaning only five models cost more to insure. It's a few dollars per month pricier than a Chrysler Pacifica but slightly cheaper than a Mercedes Sprinter.
While that's near the bottom among vans, the category itself is expensive to insure. The Carnival's overall ranking of 591st out of 827 total vehicles puts it among the top 30% most expensive models to cover. The Dodge Caravan claims the most affordable van spot, while the Ram ProMaster tops the expense list.
| Nissan NV2500 | $131 | 27 |
| Toyota Sienna | $132 | 28 |
| Chrysler Pacifica | $134 | 29 |
| Kia Carnival | $165 | 30 |
| Mercedes Sprinter | $165 | 31 |
| Nissan NV3500 | $168 | 32 |
| Volkswagen ID.Buzz | $213 | 33 |
Several factors affect what you'll pay for Kia Carnival insurance:
- Average Repair or Replacement Costs: The Kia Carnival's $834 annual repair costs make it the seventh most expensive Kia model to maintain out of 21. These moderate maintenance expenses directly influence your insurance premiums.
- Vehicle Trim, Features and Accessories: Higher-performance trims cost substantially more to insure due to their increased horsepower output. The Carnival's 290 to 368 horsepower range across trim levels means more powerful variants will bump up your premium costs.
- Driver Profile: Most Kia Carnival drivers fall in the 30 to 40 age range, which usually enjoys lower insurance rates. However, the vehicle's performance reputation attracts risk-taking behaviors that concern insurers. Read more about the costs of Kia Carnivals for young drivers.
Kia Carnival Insurance Cost by State
Car insurance for a Kia Carnival costs anywhere from $41 per month in Wyoming to $217 in Louisiana for minimum coverage, depending on where you're located. These dramatic differences reflect your state's risk factors and insurance regulations rather than anything specific about the vehicle itself.
| Alabama | $94 | $179 |
| Alaska | $79 | $168 |
| Arizona | $132 | $248 |
| Arkansas | $94 | $210 |
| California | $107 | $217 |
| Colorado | $113 | $270 |
| Connecticut | $146 | $253 |
| Delaware | $147 | $247 |
| Florida | $136 | $316 |
| Georgia | $158 | $262 |
| Hawaii | $58 | $131 |
| Idaho | $58 | $119 |
| Illinois | $104 | $195 |
| Indiana | $72 | $142 |
| Iowa | $67 | $161 |
| Kansas | $81 | $190 |
| Kentucky | $136 | $231 |
| Louisiana | $217 | $463 |
| Maine | $60 | $126 |
| Maryland | $166 | $281 |
| Massachusetts | $111 | $235 |
| Michigan | $181 | $348 |
| Minnesota | $93 | $196 |
| Mississippi | $99 | $197 |
| Missouri | $143 | $288 |
| Montana | $85 | $204 |
| Nebraska | $86 | $196 |
| Nevada | $193 | $348 |
| New Hampshire | $80 | $142 |
| New Jersey | $177 | $292 |
| New Mexico | $93 | $210 |
| New York | $135 | $243 |
| North Carolina | $94 | $185 |
| North Dakota | $76 | $167 |
| Ohio | $82 | $160 |
| Oklahoma | $106 | $236 |
| Oregon | $129 | $225 |
| Pennsylvania | $99 | $234 |
| Rhode Island | $139 | $248 |
| South Carolina | $110 | $207 |
| South Dakota | $64 | $197 |
| Tennessee | $87 | $177 |
| Texas | $135 | $275 |
| Utah | $121 | $207 |
| Vermont | $53 | $125 |
| Virginia | $104 | $169 |
| Washington | $98 | $183 |
| West Virginia | $99 | $202 |
| Wisconsin | $75 | $167 |
| Wyoming | $41 | $132 |
Kia Carnival Costs by Model Year and Insurance Company
Model year importance affects your Kia Carnival insurance premiums, along with driver age on your policy. A 35- to 55-year-old driver pays an average of $253 monthly for full coverage on a 2022 Kia Carnival compared to $246 for a 2025 model. Young drivers in their teens and early 20s pay higher rates across all model years.
Travelers offers the cheapest rates across all Kia Carnival model years and could save certain drivers hundreds monthly. Shopping between insurers gives you the best opportunity to reduce your insurance costs.
Cost of Car Insurance for 2025 Kia Carnival
| Geico | $83 | $181 |
| Travelers | $93 | $171 |
| National General | $97 | $199 |
| Nationwide | $104 | $180 |
| State Farm | $108 | $226 |
| Progressive | $110 | $207 |
| The Hartford | $122 | $208 |
| Kemper | $124 | $255 |
| Allstate | $126 | $244 |
| AAA | $130 | $271 |
| Amica | $144 | $296 |
| Chubb | $163 | $324 |
| AIG | $165 | $412 |
| Farmers | $171 | $301 |
| UAIC | $175 | $220 |
Cost of Car Insurance for 2024 Kia Carnival
| Geico | $73 | $159 |
| Travelers | $82 | $150 |
| National General | $85 | $175 |
| Nationwide | $92 | $158 |
| State Farm | $95 | $199 |
| Progressive | $97 | $182 |
| The Hartford | $107 | $183 |
| Kemper | $109 | $224 |
| Allstate | $111 | $214 |
| AAA | $114 | $238 |
| Amica | $127 | $260 |
| Chubb | $143 | $285 |
| AIG | $145 | $362 |
| Farmers | $150 | $265 |
| UAIC | $153 | $193 |
Cost of Car Insurance for 2023 Kia Carnival
| Geico | $88 | $191 |
| National General | $100 | $205 |
| Travelers | $108 | $199 |
| State Farm | $118 | $244 |
| Progressive | $127 | $239 |
| Nationwide | $127 | $220 |
| The Hartford | $130 | $222 |
| AAA | $144 | $300 |
| Allstate | $149 | $289 |
| Amica | $153 | $313 |
| Kemper | $160 | $331 |
| Chubb | $166 | $331 |
| AIG | $178 | $443 |
| Farmers | $190 | $334 |
| UAIC | $195 | $243 |
Cost of Car Insurance for 2022 Kia Carnival
| Geico | $81 | $176 |
| National General | $92 | $189 |
| Travelers | $100 | $184 |
| State Farm | $109 | $226 |
| Progressive | $117 | $220 |
| Nationwide | $118 | $203 |
| The Hartford | $120 | $205 |
| AAA | $133 | $277 |
| Allstate | $138 | $267 |
| Amica | $141 | $289 |
| Kemper | $148 | $305 |
| Chubb | $154 | $305 |
| AIG | $165 | $409 |
| Farmers | $175 | $308 |
| UAIC | $180 | $225 |
Kia Carnival Insurance Cost by Trim
Insurance costs for your Kia Carnival range from $87 monthly for minimum coverage on LX models to $261 for full coverage on SX Minivan 4D variants. Performance features and market value create these dramatic cost differences between basic and high-end trims.
| Lx | $87 | $171 |
| Lx W/Seat Pkg | $88 | $171 |
| Lxs | $100 | $194 |
| Ex | $102 | $199 |
| Lx Minivan 4d | $108 | $210 |
| Ex Minivan 4d | $111 | $216 |
| Sx | $112 | $219 |
| Lx W/Seat Pkg Minivan 4d | $116 | $226 |
| Sx Prestige | $124 | $242 |
| Sx Prestige Minivan 4d | $134 | $260 |
| Sx Minivan 4d | $134 | $261 |
How to Lower the Cost of Kia Carnival Insurance
Here are the most effective strategies to lower your Kia Carnival insurance costs:
- 1Choose the Right Coverage
You'll need to figure out how much coverage to buy for your Kia Carnival. Own your vehicle? Get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research Costs and Cheap Companies
Learn what you should pay by reviewing average auto insurance costs for minivans. This benchmark assists with shopping for the cheapest car insurance companies with competitive rates. Understanding typical costs helps you identify genuinely affordable options versus overpriced policies when comparing quotes from different insurers.
- 3Look for More than Just Low Rates
Selecting reliable car insurance means evaluating insurers beyond their quotes alone. Check J.D. Power satisfaction ratings, examine forum discussions about claims processing, review Better Business Bureau complaints and confirm AM Best financial stability ratings. Budget insurers might offer limited coverage options or slower customer service when you need assistance most.
- 4Explore Discounts You Qualify For
Discover car insurance discounts that apply to your situation. Kia Carnival owners often qualify for safety features discounts, multi-vehicle savings, bundling discounts and good driver rewards. Many insurers also offer discounts for completing defensive driving courses, maintaining continuous coverage or being a member of certain professional organizations or alumni groups.
- 5Consider Alternative Car Insurance Types
Kia Carnival owners might benefit from usage-based insurance programs such as Progressive Snapshot or Allstate Drivewise. These options track safe driving habits and deliver premium reductions based on your actual driving behavior. Pay-per-mile programs work especially well if you drive less than 10,000 miles annually or primarily use your vehicle for weekend trips.
- 6Check Rates Every Year
Obtain car insurance quotes from several companies annually. Your insurer doesn't notify you when competitors lower their prices, so yearly comparisons could save up to 24% on your Kia Carnival insurance. Rate changes happen frequently due to market conditions, claims experience and company strategies, making regular shopping essential for maintaining affordable coverage.
Kia Carnival Insurance Cost: Bottom Line
Kia Carnival insurance costs more than average, but you can still find decent rates. Shopping multiple insurers, claiming discounts and adjusting coverage options helps you find better pricing for your vehicle.
Kia Carnival Insurance Rates: FAQ
What is the average cost of car insurance for a Kia Carnival?
Insurance for a Kia Carnival averages $1,341 annually for state minimum coverage and $2,612 for full coverage. This translates to roughly $112 monthly for minimum and $218 for comprehensive protection.
What company has the cheapest car insurance for a Kia Carnival?
GEICO provides the most affordable minimum coverage for a Kia Carnival at $978 annually. Travelers offers the best value for full coverage at $2,103 per year.
Are Kia Carnivals expensive to insure?
No, Kia Carnival insurance is not expensive compared to most vehicles. Among vans specifically, it ranks 30th out of 34 for affordability, placing it in the upper tier for cost within its vehicle category.
What factors affect insurance costs for Kia Carnivals?
Various factors affect your Kia Carnival insurance rates. The vehicle's high safety ratings help reduce premiums, while moderate theft rates and average repair costs for minivans keep expenses reasonable. Your personal driving record, credit score and chosen coverage levels impact your final premium costs.
How can I lower Kia Carnival insurance costs?
Compare quotes from several insurers since Kia Carnival pricing differs between companies, and explore usage-based programs that monitor safe driving. Claim available discounts, bundle policies and keep your driving record clean to get better rates.
How We Determined Kia Carnival Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Kia Carnival insurance costs.
Who We Based These Rates On
These Kia Carnival rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.