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
Key Takeaways
GEICO offers the most affordable Kia Carnival insurance on average, though full coverage costs vary widely by model year and insurer, averaging $218 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.
*MoneyGeek analyzed quotes for all Kia Carnival model years from 2022 to 2025.
| 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 |
GEICO has the lowest minimum coverage rate at $81 per month on average. Travelers wins on full coverage at $175, which is $3 less than GEICO's $178. Financed vehicles require full coverage, so Travelers is the stronger starting point for most buyers.
Is Kia Carnival Expensive to Insure?
MoneyGeek's analysis ranks the Kia Carnival 30th out of 35 vans in affordability, meaning only five models cost more to insure. Rates run a few dollars a month above a Chrysler Pacifica but below a Mercedes Sprinter. The Dodge Caravan is the cheapest van to insure; the Ram ProMaster is the most expensive.
Vans as a category carry higher insurance costs overall. At 591st out of 827 total vehicles, the Carnival sits in the top 30% most expensive models to cover, putting its ranking near the bottom of the van segment in line with the category's broader cost profile.
| 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 |
Our data shows the Carnival costs the same per month as a Mercedes Sprinter ($165), even though it's a family minivan built for practicality, not performance.
These factors affect what you'll pay for Kia Carnival insurance:
- Average repair or replacement costs: The Kia Carnival averages $834 in annual repair costs, ranking seventh most expensive among 21 Kia models to maintain. Those costs feed directly into premium calculations.
- Vehicle trim, features and accessories: More powerful trims cost more to insure. The Carnival's output runs from 290 to 368 horsepower across trim levels, and insurers price the upper trims accordingly.
- Driver profile: Most Kia Carnival drivers fall in the 30 to 40 age range, a bracket that typically sees lower insurance rates. The vehicle's performance reputation attracts some risk-taking behavior that insurers factor into pricing. Younger drivers pay more.
Kia Carnival Insurance Cost by State
Car insurance for this vehicle costs $41 a month in Wyoming and up to $217 in Louisiana for minimum coverage. The difference between states comes down to local risk factors and insurance regulations, not 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 |
The $176 difference between the monthly minimum in Wyoming and Louisiana reflects how much state insurance rules and local claim rates vary. That spread is larger than what other driver-level factors produce on their own.
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.
- 2025 Kia Carnival Insurance Rates
- 2024 Kia Carnival Insurance Rates
- 2023 Kia Carnival Insurance Rates
- 2022 Kia Carnival Insurance Rates
The 2025 Carnival costs less to insure than the 2023 ($215 vs. $244 per month for full coverage). A newer model year doesn't always mean a higher premium.
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 |
Travelers is the lowest full coverage rate for the 2025 Carnival at $171 per month, $9 less than Nationwide and $10 less than GEICO.
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 |
Travelers at $150 per month is the lowest full coverage rate across all four model years in MoneyGeek's data, $8 less than Nationwide and $9 less than GEICO.
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 |
GEICO is the lowest full coverage rate for the 2023 Carnival at $191 per month, $8 less than Travelers and $14 less than National General.
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 |
GEICO is the lowest full coverage rate for the 2022 Carnival at $176 per month, $8 less than Travelers and $13 less than National General.
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 |
The jump from the LX to the SX Minivan 4D trim adds $90 per month in full coverage costs ($171 vs. $261). Choosing a lower trim is one of the few rate decisions you can make before you ever contact an insurer.
How to Lower the Cost of Kia Carnival Insurance
These strategies can bring down what you pay for Kia Carnival insurance:
- 1Choose the Right Coverage
The right coverage level depends on your situation. Own your vehicle outright? Your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible keeps premiums lower. For broader protection, 100/300/100 liability with comprehensive and collision at a $500 deductible is worth the added cost. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision at a $500 deductible and gap insurance. Learn more about how much coverage to buy for your Kia Carnival.
- 2Research Costs and Cheap Companies
Know what a fair rate looks like before you get quotes. Average auto insurance costs for minivans give you a baseline to measure quotes against and flag overpriced policies. From there, narrow your search to the cheapest car insurance companies with competitive rates.
- 3Look for More than Just Low Rates
Reliable car insurance goes beyond the lowest quote. Before committing, check J.D. Power satisfaction ratings, scan forum discussions on claims processing, pull Better Business Bureau complaints and confirm AM Best financial stability ratings. Budget insurers sometimes come with limited coverage options and slower service when you need help most.
- 4Find Discounts You Qualify For
Kia Carnival owners often qualify for car insurance discounts tied to safety features, multi-vehicle savings, bundling and good driver rewards. Completing a defensive driving course, maintaining continuous coverage or belonging to certain professional or alumni organizations can bring additional savings.
- 5Consider Alternative Car Insurance Types
Usage-based programs like Progressive Snapshot or Allstate Drivewise track driving habits and adjust premiums based on actual behavior. Pay-per-mile options work well for Kia Carnival owners who log fewer than 10,000 miles a year or use the vehicle mainly on weekends. Learn more about usage-based insurance programs.
- 6Check Rates Every Year
Compare car insurance quotes from several companies each year. Your insurer won't notify you when competitors lower their prices, so annual comparisons could save up to 24% on Kia Carnival insurance. Rates change frequently due to market conditions, claims experience and company strategies, so regular comparisons help keep coverage affordable.
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.
For minimum coverage, GEICO is the lowest-cost option at an average of $81 per month across model years. For full coverage on a 2024 Carnival, Travelers at $150 per month is $49 less than State Farm and $9 less than GEICO. Before getting a quote, have your driver's license, vehicle identification number and current mileage ready.
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.
Getting quotes from GEICO (averaging $81 per month for minimum coverage) and Travelers (averaging $175 per month for full coverage) is a good start.
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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.