Kia Auto Insurance Rates

Kia auto insurance rates range from $90-$210 a month depending on the model and where you live. Kia auto insurance costs are generally lower than more expensive vehicles, but location and driver history have a big impact. Find the cheapest Kia car insurance by shopping around to compare before you buy.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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Has the search for affordable Kia auto insurance rates got you frustrated? Well, there’s no need to despair. With the help of, you can find cheap auto insurance for your Kia. And we’re not talking about some bargain-bin insurance policy, either – you’ll get the best coverage available at an affordable price near you.

Read on to learn more about how to buy Kia auto insurance that fits your budget. Or you could get started right now with free Kia auto insurance quotes. Sound good? Enter your ZIP code above and we’ll do the rest.

All About Kia Auto Insurance

Kia Motors is an established automaker located in South Korea, in the city of Seoul. Kia and their close cousin, Hyundai, are minority owners in one another’s company. This means that, unlike how certain automotive manufacturing corporations work, neither one is necessarily a subsidiary of the other.

They have corporate headquarters located in many countries across the globe, including the United States. Kia Motors of America (KMA for short) is located in Irvine, CA. The company has celebrated many years of consecutive success at gaining US market share and their growth doesn’t show any signs of slowing.

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Insurance Quotes for Popular Kia Vehicles

Some of the highest selling Kia models of the past few years were the Optima, the Sorento, and the Forte. The Optima, a midsize 4-door sedan, has been around since the year 2000 (although not necessarily with the same name). Unfortunately, however, the Optima is far from one of the safest vehicles on the road according to the IIHS.

Then there’s the Kia Sorento, which started out as a midsize SUV when production began in 2002. However, it did receive an update in 2009 and earned itself a “crossover” status. Unlike the Optima, its safety standards range from “accepted” to “superior” depending on which organization you ask.

The Kia Forte is one of the few compact cars still selling well in the modern automotive market. It goes by a number of different names in other countries, But it is almost universally known as the Forte in North America. It has received many good safety ratings from the Insurance Institute for Highway Safety, earning an overall rating of 5 stars.

Average Kia Car Insurance RatesLegend: Kia Optima Kia Sorento Kia Forte CaliforniaFloridaTexas 153045607590105120135150165$151$150$166$175$176$165$146$127$150

Comparing Insurance Rates for Kia Vehicles

When it comes to Kia vehicles, it can be hit-or-miss as far as your insurance premiums go – the chart above is a clear example of this. Part of this has to do with the wide range of variables that fluctuate from one model to the next; one vehicle may have fantastic gas mileage, but poor safety standards.

Other models may have above-average safety ratings, but have problems with expensive replacement parts or being vulnerable to body damage. On top of everything, your specific location in the US will play a major factor in determining how much you should pay, on average, for your premiums. This ranges from the state you live in all the way down to the zip code where your mail is delivered.

Average Kia Auto Insurance by StateLegend: Kia Optima CaliforniaFloridaTexasNew YorkIllinois 153045607590105120135150165180195210$151$175$146$210$90


Regardless of what type of Kia you drive or your specific location in the US, you shouldn’t have to pay a ridiculous amount of money just to keep your vehicle covered. You deserve adequate coverage at a fair price, and you shouldn’t let the confusing state of the auto industry today prevent you from getting it.

We can use our expertise to help you find the right Kia auto insurance company with affordable, accurate quotes in a matter of minutes. Compare Kia auto insurance rates right now. Just enter your ZIP code to begin.

Popular Kia Models

See also: Hyundai

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