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Prachi is an insurance writer with a master's degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.
Kia is a well-known car brand that offers a range of vehicles for different preferences and needs including the Kia Sportage, K5, Niro, and Sorento.
The average car insurance for a Kia, for a 40-year-old driver, costs $1,934 per year based on 2023 insurance rates. Of course, what drivers pay to insure a Kia varies depending on their insurance company, driving record, the state in which they live, and the model of their car.
But to help educate Kia owners on the type of rates they can expect, Insurance.com gathered data on insurance rates for some of the carmaker’s most popular models. Read on to learn about the average car insurance rates for these Kia models.
Kia car insurance cost by model: Most and least expensive
The Stinger is the most expensive Kia car to insure with an average yearly cost of $2,512 for a 40-year-old driver. Whereas the cheapest model to insure is the Kia Seltos with an average annual premium of $1,712 for a 40-year-old driver.
How much does it cost to insure a Kia car?
As mentioned above, average auto insurance rates vary depending on a number of factors, including the make and model of the car. However, there are some general trends. For example, newer and more expensive cars tend to have higher insurance rates than older and less expensive models.
Ultimately, the best way to determine how much it costs to insure a Kia is to get quotes from multiple car insurance companies.
As a guide, Insurance.com’s editorial staff put together the following list based on 2023 insurance rates.
| Year and model | Average annual premium |
|---|---|
| 2023 Kia Seltos | $1,712 |
| 2023 Kia Soul | $1,846 |
| 2023 Kia Niro | $1,888 |
| 2023 Kia Sportage | $1,889 |
| 2023 Kia Sorento | $1,950 |
| 2023 Kia Carnival | $1,954 |
| 2023 Kia Telluride | $1,958 |
| 2023 Kia Rio | $2,029 |
| 2023 Kia Forte | $2,095 |
| 2023 Kia K5 | $2,208 |
| 2023 Kia EV6 | $2,448 |
| 2023 Kia Stinger | $2,512 |
Choose your vehicle model
Kia Seltos insurance cost
- The average cost of insuring a Kia Seltos is $1,712 per year
- MSRP- $24,390
- Trim Level- LX, S, EX, X-Line and SX
One other vehicle the editors looked at is the Kia Seltos. The Kia Seltos is a popular compact SUV that has acclaim for its stylish design, versatile features, and competitive performance. The cost of insuring a 2023 Seltos is $80 more than that of insuring a 2021 Seltos.
The table below provides the average insurance cost for the Kia Seltos by model year, based on 2023 rates:
| Year and model | Average annual premium |
|---|---|
| 2023 Kia Seltos | $1,712 |
| 2022 Kia Seltos | $1,473 |
| 2021 Kia Seltos | $1,792 |
Kia Soul insurance cost
- The average annual insurance rate for a Soul is $1,846 for a 40-year-old driver
- MSRP- $19,990
- Trim Levels- LX, S, GT Line, and EX
For a 40-year-old driver, it costs about $1,846 a year to insure a Kia Soul. The Soul competes in the competitive compact SUV niche against the Mazda CX-3, Jeep Renegade, and Ford EcoSport.
The Kia Soul, a compact crossover SUV with enhanced safety features such as blind spot collision warning and avoidance assist, Lane keeping and lane following assist, standard auto emergency breaking technology and others. The 2023 Kia Soul has been recognized for the highest residual value among micro SUVs in the 2023 JD Power US ALG Residual Value awards.
The table below provides average insurance costs for the Kia Soul by model year:
| Year and model | Average annual premium |
|---|---|
| 2023 Kia Soul | $1,846 |
| 2022 Kia Soul | $1,565 |
| 2021 Kia Soul | $1,519 |
| 2020 Kia Soul | $1,707 |
| 2019 Kia Soul | $1,646 |
| 2018 Kia Soul | $1,653 |
| 2017 Kia Soul | $1,622 |
| 2016 Kia Soul | $1,590 |
Kia Niro insurance cost
- For a 40-year-old driver, the average insurance cost for a Kia Niro is $1,888 per year.
- MSRP - $26,840
- Trim Levels- LX, EX< EX Touring, SX, and SX Touring
The average cost of insuring a Kia Niro for a 40-year-old driver is $1,888 per year or $157 per month, per a rate analysis by Insurance.com. Moreover, the trim and model year of the Kia Niro you choose may affect your annual car insurance premium.
The car offers a range of safety features including Traffic collision assist, blind spot collision warning, Highway driving assist and other driver's assistance features, according to Kia. The Kia Niro competes with cars like the Toyota Corolla cross hybrid, Hyundai Kona, and others.
The table below provides average insurance costs for the Kia Niro by model year:
| Year and model | Average annual premium |
|---|---|
| 2023 Kia Niro | $1,888 |
| 2022 Kia Niro | $1,589 |
| 2020 Kia Niro | $1,559 |
| 2019 Kia Niro | $1,646 |
| 2018 Kia Niro | $1,585 |
| 2017 Kia Niro | $1,538 |
Kia Sportage insurance cost
- For a 40-year-old driver, the average insurance cost for a Kia Sportage is $1,889 per year.
- MSRP - $27,090
- Trim Level- LX, EX, X-Line AWD, SX, SX Prestige, Sportage X-Pro, Sportage X-Pro Prestige
The average cost of insuring a Kia Sportage for a 40-year-old driver is $1,889 per year or $157 per month, per a rate analysis by Insurance.com. Moreover, the trim and model year of the Kia Sportage you choose may affect your annual car insurance premium.
The car offers a range of safety features including Safe exit warning, blind spot collision avoidance assist, and Park distance warning - rear and more, according to Kia.
The table below provides the average insurance costs for the Kia Sportage by model year:
| Year and model | Average annual premium |
|---|---|
| 2023 Kia Sportage | $1,889 |
| 2022 Kia Sportage | $1,510 |
| 2021 Kia Sportage | $1,541 |
| 2020 Kia Sportage | $1,554 |
| 2019 Kia Sportage | $1,554 |
| 2018 Kia Sportage | $1,534 |
| 2017 Kia Sportage | $1,489 |
| 2016 Kia Sportage | $1,485 |
Kia Sorento insurance cost
- For a 40-year-old driver, the average insurance cost for a Kia Sorento is $1,950 per year.
- MSRP - $30,090
- Trim Level- LX, S, X-Line S AWD, EX, X-Line EX AWD, SX, SX Prestige AWD, X-Line SX Prestige AWD
The average cost of insuring a Kia Sorento for a 40-year-old driver is $1,950 per year or $162 per month, per a rate analysis by Insurance.com. Moreover, the trim and model year of the Kia Sorento you choose may affect your annual car insurance premium.
The table below provides average insurance costs for the Kia Sorento by model year:
| Year and model | Average annual premium |
|---|---|
| 2023 Kia Sorento | $1,950 |
| 2022 Kia Sorento | $1,683 |
| 2021 Kia Sorento | $1,574 |
| 2020 Kia Sorento | $1,548 |
| 2019 Kia Sorento | $1,634 |
| 2018 Kia Sorento | $1,615 |
| 2017 Kia Sorento | $1,570 |
| 2016 Kia Sorento | $1,562 |
Kia Carnival insurance cost
- For a 40-year-old driver, the average insurance cost for a Kia Carnival is $1,954 per year.
- MSRP - $33,200
- Trim Level- LX, LX seat package, EX, SX, and SX Prestige
The average cost of insuring a Kia Carnival for a 40-year-old driver is $1,954 per year or $163 per month, per a rate analysis by Insurance.com. Moreover, the trim and model year of the Kia Carnival you choose may affect your annual car insurance premium.
The table below provides the average insurance costs for the Kia Carnival by model year:
| Year and model | Average annual premium |
|---|---|
| 2023 Kia Carnival | $1,954 |
| 2022 Kia Carnival | $2,062 |
Kia Telluride insurance cost
- The average cost of insuring a Kia Telluride is $1,958 per year
- MSRP- $35,990
- Trim Level- LX, S, EX, EX X-Line, SX, SX X-Line, SX X-Pro, SX Prestige, SX Prestige X-Line, and SX Prestige X-Pro
The next vehicle the editors looked at is the Kia Telluride. It is a midsize SUV that is well-known for its combination of upscale design, spacious interior, and robust performance. It comes with a lot of enhanced driver's assistance features including Blind spot collision warning, Navigation-based smart cruise control - with stop and go, Highway Driving Assist 2, and others.
The average cost of insuring a 2023 Kia Telluride is $1,958 per year or $163 per year. Moreover, the insurance cost varies across model years.
The table below provides the average insurance cost for the Kia Telluride by model year, based on 2023 rates:
| Year and model | Average annual premium |
|---|---|
| 2023 Kia Telluride | $1,958 |
| 2022 Kia Telluride | $1,573 |
| 2021 Kia Telluride | $1,590 |
| 2020 Kia Telluride | $1,983 |
Kia Rio insurance cost
- The average annual insurance rate for a Rio is $2,029 for a 40-year-old driver
- MSRP- $16,750
- Trim Levels- LX and S
The Kia Rio, a subcompact car is known for its affordability, fuel efficiency, and practical design.
It costs about $2,029 a year to insure a Kia Rio, for a 40-year-old driver. The cost of insuring a 2023 Rio is $429 more than the cost of insuring a 2016 Rio. The Rio competes in the competitive compact SUV niche against the Nissan Versa, Mitsubishi Mirage G4, and others.
The table below provides average insurance costs for the Kia Rio by model year:
| Year and model | Average annual premium |
|---|---|
| 2023 Kia Rio | $2,029 |
| 2022 Kia Rio | $1,653 |
| 2021 Kia Rio | $1,534 |
| 2020 Kia Rio | $1,645 |
| 2019 Kia Rio | $1,660 |
| 2018 Kia Rio | $1,614 |
| 2017 Kia Rio | $1,617 |
| 2016 Kia Rio | $1,600 |
Kia Forte insurance cost
- For a 40-year-old driver, the average insurance cost for a Kia Forte is $2,095 per year.
- MSRP - $19,790
- Trim Levels- LX, LXS, GT-Line, GT, GT Manual
The average cost of insuring a Kia Forte for a 40-year-old driver is $2,095 per year or $174 per month, per a rate analysis by Insurance.com. Moreover, the trim and model year of the Kia Forte you choose may affect your annual car insurance premium.
The car offers a range of safety features including Lane keeping assist, forward collision avoidance assist with pedestrians and cyclist detection, and other driver's assistance features, according to Forte. The Kia Forte competes with cars like the Honda Civic, Hyundai Elantra, and others.
The table below provides average insurance costs for the Kia Forte by model year:
| Year and model | Average annual premium |
|---|---|
| 2023 Kia Forte | $2,095 |
| 2022 Kia Forte | $1,753 |
| 2021 Kia Forte | $1,670 |
| 2020 Kia Forte | $1,783 |
| 2019 Kia Forte | $1,788 |
| 2018 Kia Forte | $1,759 |
| 2017 Kia Forte | $1,726 |
| 2016 Kia Forte | $1,681 |
Kia K5 insurance cost
- For a 40-year-old driver, the average insurance cost for a Kia K5 is $2,208 per year.
- MSRP - $25,390
- Trim Level- LXS FWD, GT-Line FWD, GT-Line AWD, EX and GT
The average cost of insuring a Kia K5 for a 40-year-old driver is $2,208 per year or $184 per month, per a rate analysis by Insurance.com. Moreover, the trim and model year of the Kia K5 you choose may affect your annual car insurance premium.
The car offers a range of safety features including remote smart parking assist, surround view monitor, blind spot collision avoidance assist - rear, and Safe Exit assist, according to Kia.
The table below provides average insurance costs for the Kia K5 by model year:
| Year and model | Average annual premium |
|---|---|
| 2023 Kia K5 | $2,208 |
| 2022 Kia K5 | $1,801 |
| 2021 Kia K5 | $2,096 |
Kia EV6 insurance cost
- For a 40-year-old driver, the average insurance cost for a Kia EV6 is $2,448 per year.
- MSRP - $42,600
- Trim Level- Light RWD, Light Long Range RWD, Light Long Range AWD, Wind RWD, Wind AWD, GT-Line RWD, GT-Line AWD, GT
The average cost of insuring a Kia EV6 for a 40-year-old driver is $2,448 per year or $204 per month, per a rate analysis by Insurance.com. Moreover, the trim and model year of the Kia EV6 you choose may affect your annual car insurance premium.
The table below provides the average insurance costs for the Kia EV6 by model year:
| Year and model | Average annual premium |
|---|---|
| 2023 Kia EV6 | $2,448 |
Kia Stinger insurance cost
- For a 40-year-old driver, the average insurance cost for a Kia Stinger is $2,512 per year.
- MSRP - $36,690
- Trim Level- GT-Line and GT2
The average cost of insuring a Kia Stinger for a 40-year-old driver is $2,512 per year or $382 per month, per a rate analysis by Insurance.com. Moreover, the trim and model year of the Kia Stinger you choose may affect your annual car insurance premium.
The table below provides the average insurance costs for the Kia Stinger by model year:
| Year and model | Average annual premium |
|---|---|
| 2023 Kia Stinger | $2,512 |
| 2022 Kia Stinger | $2,155 |
| 2021 Kia Stinger | $1,994 |
| 2020 Kia Stinger | $2,068 |
| 2019 Kia Stinger | $2,068 |
| 2018 Kia Stinger | $1,992 |
Methodology
Insurance.com, with the help of Quadrant Information Services, gathered rates for various Kia models. The data is based on the sample profile of a 40-year-old male driver. All rates are based on the profile of a driver with a clean record and full coverage policy.
The coverage limit for a full coverage policy is 100/300/100 liability with a $500 comprehensive and Collision deductible. Where 100/300/100 represents:
- $100,000 coverage for bodily injury per person
- $300,000 in bodily injury per accident
- $100,000 for property damage
Sources
- Kia.com, “About Kia Seltos,” Accessed November 2023
- Kia.com, “About Kia Soul,” Accessed November 2023
- Kia.com, “About Kia Niro,” Accessed November 2023
- Kia.com, “About Kia Sportage,” Accessed November 2023
- Kia.com, “About Kia Sorento,” Accessed November 2023
- Kia.com, “About Kia Carnival,” Accessed November 2023
- Kia.com, “About Kia Telluride,” Accessed November 2023
- Kia.com, “About Kia Rio,” Accessed November 2023
- Kia.com, “About Kia Forte,” Accessed November 2023
- Kia.com, “About Kia K5,” Accessed November 2023
- Kia.com, “About Kia EV6,” Accessed November 2023
- Kia.com, “About Kia Stinger,” Accessed November 2023