Kia Insurance Rates

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Kia Forte

Kia K900

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The average insurance cost of a Kia is $186.70 a month, or $2,240.40 a year. Your actual cost could be more or less depending on your driving record, the number of miles you drive in a year and other factors. Some of the variables that affect the price of insurance include your age and your location, as well as the year, model and trim package of your Kia.

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Name	Product	Gap insurance	Homeowner discount	Telematics	Has an app?	Available states
Smartfinancial			Yes	Yes	No	All 50 states and DC	Get quotes	Compare	loading Fetching your data...
Pretected		Yes	Depends on provider	No	No	All 50 states	Get your most compatible insurance options via a "smart matching" method aimed at finding you value.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual		Yes	Yes	RightTrack	Yes	All 50 states & DC	Earn free accident forgiveness after five years claims-free and customize your policy anytime.	Get quotes More Info	Compare	loading Fetching your data...
Quinstreet - Insure.com		Yes	Depends on provider	Depends on provider	Depends on provider	All 50 states	Get quotes	Compare	loading Fetching your data...

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How a vehicle from Kia affects insurance costs

Kias are affordable vehicles, which makes insurance more affordable as well. These cars are not costly to repair or replace, which helps to bring down the cost of insurance. Newer Kia models also do well in safety tests, another factor insurance companies consider when determining the cost of your insurance premium.

However, some Kias are targeted by thieves, which can increase the cost of insurance.

Kia roadside assistance

New Kias built in 2014 or newer get free roadside assistance for up to 5 years or 60,000 miles, whichever comes first. The Kia roadside assistance service includes:

• Towing to the nearest Kia dealership
• Battery jump start
• Flat tire change
• Gas delivery if you run out of fuel, limited to 2 times per year and up to 2 gallons of gas
• Lockout if you lost your key
• Trip interruption up to $300 for food, hotel and alternate transportation for overnight trips over 150 miles away from home

To use Kia roadside assistance, call Kia’s 24/7 roadside hotline at 1-800-333-4542. You’ll need to provide your vehicle’s VIN when you call. There’s a maximum limit of $75 per roadside event.

New Kia drivers can skip adding this coverage to a car insurance policy. Drivers with older Kias that no longer have roadside warranty coverage can add on roadside assistance to your car insurance policy to benefit from roadside help when you need it.

Pros and cons of insuring a Kia

About the Kia brand

Kia was founded in 1944 and opened its first plant one year later. But it wasn’t until the ’80s that the company began exporting cars to the US.

Throughout the years, Kia has won many awards, including Kelley Blue Book’s 5 Great Deals, Autocar’s Car Company of the Year and the Environmental Management Award.

Are there any standout Kia models?

The K900 is Kia’s highest-end car, with a starting price of $49,900. This luxury model Kia has a 3.8L V6 engine and 311 horsepower that produce a smooth overall ride. Kia’s goal with the K900 was to “breathe new life into luxury,” and does so with dynamic bending light, an aerodynamic design, prestige distance (the space between the cabin and front wheel) and a spacious, comfortable interior.

What’s Kia UVO?

UVO is an infotainment and telematics system that provides Kia owners with eServices. Features include navigation, diagnostics, rear-camera display, emergency assistance and parking minder. When you download the UVO app onto your smartphone you can access remote commands like climate control, lock/unlock, vehicle status, find my car and more.

UVO is available for most Kia models beginning in 2014.

Kia car facts

• Kia is the second largest automotive manufacturer in South Korea and has been around since 1944.
• In 2015, Kia sold over 3.3 million vehicles.
• Kia base prices start at $15,000 and can go up to $50,000.

Bottom line

Kias are generally affordable to insure, barring any personal factors, but be sure to shop around to find the best car insurance for you.

Frequently asked questions about Kia

• How did you got these rates?

  To determine our estimated cost, we aggregated quotes from insurance companies using this profile:

  • 2018 Kia
  • 10,001–15,000 miles driven yearly
  • No accidents in the past five years
  • Anti-theft device on vehicle
  • Driver located in New York
  • Good credit

• Are Kias made in the US?

  The majority of Kias are manufactured in South Korea, but there are assembly plants in the US.

• Are Kias dependable?

  J.D. Power gives Kia an overall dependability score of 3 out of 5 stars but a 5 out of 5 stars for overall quality.

• What car-related factors affect the cost of insurance?

  A car’s safety record, the cost to repair and maintain the car and the car’s likelihood of being stolen all can affect the cost of car insurance.

• Are Kias safe?

  Yes, newer models do well in safety tests.

• How can I finance a Kia?

  If you’re looking for the most competitive rates, you might want to finance your new Kia with a traditional loan from a bank, credit union or online lender. But if you’re hoping to score discounts as a repeat customer or recent college grad, you might want to consider financing directly through an authorized Kia dealership. You can weigh the pros and cons with our review of Kia Motors Finance.