Kia Car Insurance Rates

Kia car insurance has average rates of $119/mo in the US. Enter your ZIP code below and save on Kia car insurance rates by comparing different companies.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 18, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you should know...

  • The Hyundai Kia is an affordable car that makes a great first-time vehicle for college students and recent graduates
  • You should comparison shop in order to find the best auto insurance rates for your own Kia
  • Depending on your state, insurance requirements will vary

Kia Motors, as with many Asian automobile corporations, began in 1944 as a manufacturer of steel tubing and bicycle parts. Subsequently, they became a manufacturer of motor vehicles.

The corporation is now a subsidiary of Hyundai-Kia Automotive Group and produces over 1.5 million vehicles a year in 13 manufacturing and assembly operations in eight countries. They offer a complete line of vehicles in the United States at present. New offering for 2013-2014 are:

  • 2014 Cadenza $35,100 MSRP 22 combined MPG
  • 2014 Forte $15,900 MSRP 29 combined MPG
  • 2015 K900 Expected in Spring, 2014
  • 2014 Optima $21,500 MSRP 27 combined MPG
  • 2013 Optima Hybrid $25,900 MSRP 38 combined MPG
  • 2013 Rio $13,600 MSRP 32 combined MPG
  • 2013 Rio 5-door $13,800 MSRP 32 combined MPG
  • 2013 Soul $14,400 MSRP 27 combined MPG
  • 2014 Soul $14,700 MSRP 26 combined MPG
  • 2014 Sedona $25,900 MSRP 20 combined MPG
  • 2014 Sorento $24,100 MSRP 22 combined MPG
  • 2013 Sportage $19,000 MSRP 23 combined MPG

When looking at the MSRP, be cautious because it does not include the delivery fees, special packages, and other options that you may desire.

Additional rebates and low-interest rates may be obtained if you negotiate with the dealer.

Be sure to check out the FREE comparison tool at the top of this page to get multiple quotes fast!

Purchasing a New Car

Suggested strategies for buying a new car:

  • Examine several consumer websites to learn about the chosen car
  • Consult with friends and family to determine personal histories of ownership
  • Check the real cost to own available on web sites
  • Enter the car dealership with a firm price in mind as well as the options you want in this vehicle
  • Know your credit score and creditworthiness

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Reviews of Kia

Because sedans are the most commonly purchased vehicles for most individuals, ratings and reviews for the Kia Optima were examined. Raters compared this vehicle to the Hyundai Sonata. The ride, noise in the cabin, and handling were comparable as was the power train and braking.

kia-car-insurance-rates

Source: IIHS.org

Cabin space is comfortable with a good deal of head, leg, and knee room. A wide footwell and a tilt-and-telescope steering column add to the comfort. Some blind spots exist in the rear because of the sloping roof, rear roof pillars, and high rear deck.

A leading consumer web site has judged the Kia Optima as above average in fuel economy, acceleration, ride, and front seat comfort. It is average in reliability and owner satisfaction.

Car Insurance for a Kia

As you undoubtedly know, insurance prices are reliant upon not only the automobile in most cases but the driver as well. Kias are affordable cars usually purchased by individuals who are in school or are unmarried because of the lack of two incomes to support the cost of car payments.

Insurance costs are more vital to Kia owners than most due to the need for economy in insurance as well as other aspects of their lives.

It is wise to obtain at least two quotations for car insurance to determine if you’re truly getting the best deal.

An insurer that may have the best rate one year may change because their actuaries determine the necessity of increasing rates for certain individuals and cars based upon statistical losses.

Getting an Online Car Insurance Quote

The following steps will help prepare you for getting an auto insurance quote online.

Data you’ll need:

When planning to get an insurance quote online, have the following data ready:

  • Full name, date of birth, and license number for all drivers
  • A good idea of each driver’s motor vehicle record
  • Occupation and marital status for each driver
  • Make and model of the vehicle(s) you have or plan to purchase
  • Previous insurer and how long you carried their insurance

How-to:

Go to Google or your preferred search engine and type “car insurance quotes online.” Choose an insurance company from among those offered, and enter the information as requested.

If you are using a public computer, don’t enter your Social Security Number or your car’s VIN number when requesting a quote.

These computers usually store information that’s entered into them and sometimes it is accessible even if you clear the browsing history and cookies afterwards. Your best bet is to find a secure WiFi connection and use your own device (or borrow one from a friend, family member or coworker.) If you decide to purchase that insurance, you may contact the agent later to furnish the information.

Suggested Limits of Liability:

When requesting quotations, be certain to ask for the same information from each company so the rates will be identical in purpose and content. To use a cliché, it’s comparing apples to apples to avoid confusion. These limits meet or exceed legal limits of liability in most states, and you should use them as a guide when comparing auto insurance plans:

  • Bodily Injury Liability – $100,000 per person/$300,000 per accident – Your legal responsibility in the event that you are liable for bodily injury to others.
  • Property Damage Liability – $50,000 per accident – Your legal responsibility for damage to the property of others.
  • $5,000 Medical Payments coverage – incidental medical payments for harm to you or your passengers
  • Uninsured Motorists Coverage – $100,000 per person/$300,000 per accident if you are involved in an accident with an uninsured motorist.

Suggested Limits for Damage to Your Own Property:

  • Comprehensive Damage – $500 deductible – This covers damage to your own car from animals, weather, vandalism, theft or attempted theft, or any of the myriad things that can happen to cars.
  • Collision Damage – $500 deductible – This covers damage to your own car from a collision.

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Sample Car Insurance Quotes

These quotes would apply to a 22-year-old male student at Colorado School of Mines who lives on campus. He has a good student discount and no accidents or violations. He is unmarried and uses the car to commute to part-time work and his classes.

(In this scenario, it is postulated that he’s engaged and purchasing a new car in anticipation of marriage and a new job when he graduates.)

Insurance Company #1: $28l.83 each month, or $1,691.00 for six months

Insurance Company #2: $176.26 each month, or $1,058.00 for six months

After our hypothetical student graduates, gets married marries, and gets a better job, his insurance rates will probably reduce.

Be certain when you request a final quote from an insurance company, that you provide them with precise, true information to form an accurate quote. It pays to comparison shop — for both cars and for insurance.

You can see multiples quotes instantly with our FREE comparison tool below. Simply enter your ZIP code to get started!

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Average Monthly Car Insurance Rates by State