Insurance premiums for a Kia K4 average $179 monthly for full coverage and $92 for minimum coverage. Your specific trim and model year affect costs, with monthly rates ranging from $85 to $202.
Kia K4 Insurance Cost
Updated: May 8, 2026
Key Takeaways
GEICO offers the cheapest Kia K4 insurance on average, though full coverage costs vary widely by model year and insurer, averaging $179 a month for most drivers. Read more.
The K4 ranks 105th out of 199 sedans for insurance affordability, placing it in the middle tier for its vehicle type. Sedans tend to cost less to insure than SUVs because of better safety ratings and lower repair costs, so the K4 stays reasonably affordable overall. Read more.
Your K4's model year makes a big difference in insurance rates, especially when adding a teen driver to your policy. Read MoneyGeek's analysis of rates by company for the 2025 K4 depending on the age of the drivers.
How Much Is Kia K4 Insurance?
| Kia K4 | $92 | $179 |
Looking for another Kia model? Read more about the cost of Kia car insurance models.
Your Kia K4's age directly impacts what you'll pay for coverage, with monthly premiums ranging from $78 for older models to $324 for the newest ones. Like most vehicles, newer K4s cost more to insure because they have a higher fair market value.
$92 | $179 |
Insurance costs for a Kia K4 depend on model year and company. Full coverage goes from $135 with GEICO to $348 with AIG, while minimum coverage runs $62 a month through GEICO to $144 with UAIC.
Kia K4 owners should shop among insurers since minimum coverage varies by over $82 and full coverage by over $213. Each company calculates risk differently for the Kia K4, so your final rate depends on which insurer you choose.
| AAA | $108 | $223 |
| AIG | $138 | $348 |
| Allstate | $117 | $226 |
| Amica | $119 | $245 |
| Chubb | $134 | $267 |
| Farmers | $136 | $241 |
| Geico | $62 | $135 |
| Kemper | $111 | $227 |
| Nationwide | $92 | $160 |
| Progressive | $89 | $167 |
| State Farm | $90 | $188 |
| The Hartford | $95 | $162 |
| Travelers | $79 | $146 |
| UAIC | $144 | $182 |
Is Kia K4 Expensive to Insure?
MoneyGeek's analysis of 199 sedans ranks the Kia K4 105th for insurance affordability, with nearly half the sedan models costing less to insure. It runs a few dollars a month more than a Lexus HS and a bit less than a Buick Verano, putting it squarely in the middle tier for its vehicle type.
The K4 ranks 410th out of 827 total vehicles in MoneyGeek's database, landing in the top half for affordability across all categories. Among sedans, the Saturn S-Series sits at the cheapest end and the Cadillac CTS-V carries the highest premiums.
| BMW 3-series | $133 | 102 |
| Lexus GS | $134 | 103 |
| Lexus HS | $135 | 104 |
| Kia K4 | $136 | 105 |
| Buick Verano | $136 | 106 |
| Suzuki Kizashi | $136 | 107 |
| Kia Forte | $137 | 108 |
Several factors affect what you'll pay for Kia K4 insurance:
- Average Repair or Replacement Costs: The K4 ranks as Kia's fifth most affordable model to maintain out of 21, with repair costs averaging $606 annually. This low maintenance expense helps keep insurance premiums reasonable.
- Vehicle trim, features and accessories: With up to 200 horsepower and efficient handling, the Kia K4's performance capabilities can increase insurance premiums. Higher-performance trims cost more to insure since greater power tends to translate to higher rates.
- Driver Profile: Most Kia K4 drivers fall between ages 30 and 45, and higher income levels may help lower insurance rates. The K4's performance reputation can attract risk-taking behaviors that concern insurers. Read more about the costs of the 2025 Kia K4 for young drivers.
Kia K4 Costs by Model Year and Driver Age by Insurance Company
Model year is one of the biggest factors in Kia K4 insurance costs, along with the age of drivers on your policy. Older models tend to cost less to insure than newer ones, with a 35- to 55-year-old driver paying around $205 a month for full coverage on a 2025 Kia K4. Teen and young adult drivers pay higher premiums regardless of model year.
Rates vary enough between insurers that shopping around pays off for K4 owners. GEICO consistently offers the cheapest rates and can save certain drivers hundreds a month compared to average costs.
Cost of Car Insurance for 2025 Kia K4
| Geico | $62 | $135 |
| National General | $78 | $159 |
| Travelers | $79 | $146 |
| Progressive | $89 | $167 |
| State Farm | $90 | $188 |
| Nationwide | $92 | $160 |
| The Hartford | $95 | $162 |
| AAA | $108 | $223 |
| Kemper | $111 | $227 |
| Allstate | $117 | $226 |
| Amica | $119 | $245 |
| Chubb | $134 | $267 |
| Farmers | $136 | $241 |
| AIG | $138 | $348 |
| UAIC | $144 | $182 |
2025 Kia K4 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $707 | $622 | $550 | $475 | $420 | $357 | $324 | $289 | $265 | $233 |
| Nationwide | $725 | $663 | $610 | $518 | $438 | $284 | $263 | $246 | $232 | $208 |
| Geico | $767 | $560 | $470 | $341 | $294 | $237 | $219 | $181 | $171 | $155 |
| Travelers | $879 | $635 | $503 | $388 | $343 | $251 | $229 | $212 | $196 | $168 |
| Allstate | $1,088 | $851 | $684 | $504 | $451 | $352 | $319 | $301 | $284 | $251 |
| Progressive | $1,216 | $981 | $814 | $453 | $395 | $319 | $284 | $253 | $233 | $200 |
| Farmers | $1,502 | $1,109 | $988 | $613 | $578 | $438 | $392 | $374 | $356 | $300 |
Kia K4 Insurance Cost by Trim
Trim level is a key driver of Kia K4 insurance costs, ranging from $85 a month for minimum coverage on base GT-Line models to $202 for full coverage on higher-performance EX variants. Performance features and market value account for the gap between the two ends of that range.
| Gt-Line | $85 | $165 |
| Lx | $86 | $167 |
| Gt-Line Turbo | $88 | $170 |
| Lxs | $99 | $193 |
| Ex | $103 | $202 |
Kia K4 Insurance Cost by State
Kia K4 insurance runs from $35 a month in Wyoming to $180 in Louisiana for minimum coverage. State risk factors and insurance regulations drive these differences, not the vehicle itself.
| Alabama | $81 | $154 |
| Alaska | $65 | $138 |
| Arizona | $115 | $216 |
| Arkansas | $80 | $178 |
| California | $87 | $177 |
| Colorado | $93 | $224 |
| Connecticut | $123 | $213 |
| Delaware | $128 | $215 |
| Florida | $114 | $266 |
| Georgia | $133 | $220 |
| Hawaii | $48 | $108 |
| Idaho | $50 | $102 |
| Illinois | $84 | $158 |
| Indiana | $61 | $119 |
| Iowa | $57 | $138 |
| Kansas | $69 | $163 |
| Kentucky | $113 | $193 |
| Louisiana | $180 | $382 |
| Maine | $49 | $102 |
| Maryland | $140 | $237 |
| Massachusetts | $94 | $200 |
| Michigan | $155 | $300 |
| Minnesota | $76 | $160 |
| Mississippi | $85 | $169 |
| Missouri | $111 | $224 |
| Montana | $74 | $175 |
| Nebraska | $68 | $156 |
| Nevada | $161 | $291 |
| New Hampshire | $66 | $117 |
| New Jersey | $147 | $242 |
| New Mexico | $77 | $174 |
| New York | $113 | $204 |
| North Carolina | $80 | $156 |
| North Dakota | $58 | $129 |
| Ohio | $69 | $136 |
| Oklahoma | $87 | $194 |
| Oregon | $110 | $193 |
| Pennsylvania | $82 | $194 |
| Rhode Island | $112 | $201 |
| South Carolina | $93 | $174 |
| South Dakota | $53 | $163 |
| Tennessee | $72 | $148 |
| Texas | $115 | $236 |
| Utah | $99 | $169 |
| Vermont | $44 | $105 |
| Virginia | $84 | $137 |
| Washington | $83 | $154 |
| West Virginia | $80 | $164 |
| Wisconsin | $63 | $139 |
| Wyoming | $35 | $112 |
How to Lower the Cost of Kia K4 Insurance
Here are the most effective strategies to find affordable Kia K4 insurance rates:
- 1Choose the right coverage
How much coverage to buy for your Kia K4 depends on how you use and own the vehicle. Owners who've paid off their K4 can pair state minimum liability with comprehensive and collision coverage and a $1,000 deductible to keep premiums lower.
Those wanting more protection can raise liability limits to 100/300/100 and choose a $500 deductible for comprehensive and collision. Financed or leased K4s generally require 100/300/100 liability limits, comprehensive and collision with a $500 deductible and gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by reviewing average auto insurance costs for compact sedans. This gives you a baseline for finding the cheapest car insurance companies offering competitive rates for your Kia K4.
- 3Look for more than just low rates
Find quality car insurance by evaluating insurers beyond their quotes. Look at J.D. Power satisfaction ratings, read forum feedback about claims processing, check Better Business Bureau complaints and confirm AM Best financial stability ratings. Budget insurers may offer limited coverage or slower claims service.
- 4Take advantage of available discounts
Many car insurance discounts apply to Kia K4 owners specifically. Safety feature credits, good driver rewards, multi-vehicle savings and bundling discounts for combining auto and home policies can all bring your rate down.
- 5Try alternative car insurance types
Kia K4 owners might benefit from usage-based insurance programs. Options like Kia UVO telematics or Progressive Snapshot track safe driving habits and offer premium reductions based on your actual driving behavior.
- 6Check rates every year
Get car insurance quotes from multiple companies every year. Your insurer won't notify you when competitors lower prices, so annual comparisons can save up to 24% on Kia K4 premiums.
Kia K4 Insurance Cost: Bottom Line
Kia K4 insurance runs average in cost, but competitive rates are still available. Check rates from multiple insurers and claim available discounts to lower your premium.
Kia K4 Insurance Rates: FAQ
What is the average cost of car insurance for a Kia K4?
Kia K4 insurance costs $1,104 annually for state minimum coverage and $2,153 for full coverage, translating to monthly premiums of $92 and $179.
What company has the cheapest car insurance for a Kia K4?
GEICO offers the most affordable Kia K4 insurance, with minimum coverage at $744 annually and full coverage at $1,620 per year.
Are Kia K4s expensive to insure?
No, Kia K4 insurance is not expensive compared to most vehicles. Among sedans, the K4 places 105th out of 199 for affordability and ranks 410th out of 827 total vehicles we track.
What factors affect insurance costs for Kia K4s?
Multiple elements affect Kia K4 insurance rates. Your driving record and credit score influence premiums, along with the coverage levels you select. The K4's safety features and repair costs also factor into what insurers charge.
How can I lower Kia K4 insurance costs?
Compare quotes from multiple insurers since Kia K4 pricing varies by company, and explore usage-based programs that reward safe driving. Claiming available discounts, bundling policies and keeping a clean driving record can all bring your rate down.
How We Determined Kia K4 Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine the most accurate Kia K4 insurance costs.
Who We Based These Rates On
These Kia K4 prices reflect what a typical 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 has produced 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.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.