Cheap Kia Auto Insurance in 2024 (Save Big With These 10 Companies!)
Geico, Progressive, and State Farm are the top picks for cheap Kia auto insurance. Geico has the cheapest rates for Kia owners, with minimum coverage averaging $33/mo. However, rates will vary when you compare Kia insurance quotes by model. For example, Kia Sportage insurance is much cheaper than Kia K900 insurance.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Sep 13, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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.
UPDATED: Sep 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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19,116 reviewsCompany Facts
Min. Coverage for Kia
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19,116 reviews
13,128 reviewsCompany Facts
Min. Coverage for Kia
A.M. Best Rating
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13,128 reviews
17,759 reviewsCompany Facts
Min. Coverage for Kia
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviewsThe top choices for cheap Kia auto insurance are Geico, Progressive, and State Farm.
This review covers everything you need to know about Kia auto insurance. While there are several factors that affect auto insurance rates, such as your driving record, the cheapest Kia insurance companies will have the most affordable rates.
Take a look below to see which company might be best for your Kia insurance needs.
Our Top 10 Company Picks: Cheap Kia Auto Insurance
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $33 | A++ | Cost Savings | Geico |
 | #2 | $34 | A+ | Online Management | Progressive |
 | #3 | $35 | A++ | Financial Strength | State Farm |
 | #4 | $38 | A+ | Usage-Based Discount | Allstate |
 | #5 | $39 | A+ | Youth Discounts | Erie |
 | #6 | $40 | A | Various Discounts | Farmers |
 | #7 | $45 | A+ | Accident Forgiveness | Nationwide |
 | #8 | $55 | A | Policy Customization | Liberty Mutual |
 | #9 | $60 | A | Roadside Assistance | AAA |
 | #10 | $70 | A++ | Unique Coverage | Travelers |
If you want to get Kia insurance quotes today, enter your ZIP code into our free quote tool.
- Geico has the cheapest insurance for Kia owners
- The cheapest Kia model to insure on average is the minivan Kia Sedona
- Rates for your Kia will vary depending on your driving record, age, and Kia model
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#1 – Geico: Top Pick Overall
Pros
- Cost Savings: Geico has some of the most affordable Kia insurance coverage on average. Learn more about Geico’s rates in our Geico review.
- User-Friendly App: Geico’s online app makes it simple to file claims, request assistance, or make policy changes.
- Discounts: Geico has everything from good student discounts to bundling discounts.
Cons
- Usage-Based Discount Availability: Geico’s UBI discount isn’t available in some states.
- Local Agent Availability: While Geico has some local agents, most customers will have to communicate virtually with Geico.
#2 – Progressive: Best for Online Management
Pros
- Online Management: Progressive’s website and app make it simple to manage policy changes and claims online.
- Coverages: Progressive offers a variety of auto insurance coverages, which we go over in our Progressive review.
- Budgeting Tool: Progressive’s free tool helps customers calculate how much coverage they can afford.
Cons
- Usage-Based Rate Increases: Progressive’s usage-based program can result in rate increases rather than a discount for poor drivers.
- Customer Service: Progressive has a few negative ratings for its customer service.
#3 – State Farm: Best for Financial Strength
Pros
- Financial Strength: State Farm has high financial strength ratings, which you can learn more about in our review of State Farm.
- Local Agents: State Farm has multiple local agents across the country.
- Multiple Discounts: State Farm has everything from good driver discounts to bundling discounts.
Cons
- Usage-Based Discount Availability: State Farm’s usage-based program isn’t available in all states.
- Purchases Through Agent: You can’t purchase a policy through the website.
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#4 – Allstate: Best for Usage-Based Discount
Pros
- Usage-Based Discount: Allstate offers a significant discount to good drivers who participate in Allstate’s usage-based program.
- Coverages: Allstate offers less common coverages, like rideshare insurance, to customers.
- Availability: You can purchase Allstate auto insurance in any state. Read more about Allstate in our Allstate review.
Cons
- Usage-Based Discount Availability: A few high-risk states don’t have Allstate’s usage-based discount.
- Higher Rates for DUI Drivers: Allstate’s rates tend to be less affordable for DUI drivers.
#5 – Erie: Best for Youth Discounts
Pros
- Youth Discounts: Erie’s selection of youth discounts, such as good student discounts, helps keep young driver rates economical.
- Rate Lock: Erie won’t change rates unless customers make a policy change. Learn more about Erie’s rates in our Erie review.
- Coverages: Erie offers extras like roadside assistance.
Cons
- Availability: Erie auto insurance is not available in the majority of states.
- Usage-Based Discount Option: Erie offers gift cards as a reward rather than an auto insurance discount.
#6 – Farmers: Best for Various Discounts
Pros
- Various Discounts: Farmers has various discounts to offer, which you can learn about in our review of Farmers auto insurance.
- Accident Forgiveness: Farmers’ accident forgiveness policy could benefit you if you have a clean driving record.
- Customer Service: Farmers has decent customer service ratings.
Cons
- No Gap Coverage: New Kia owners won’t be able to get gap insurance at Farmers.
- Usage-Based Discount Availability: Farmers’ UBI discount isn’t available in all states.
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#7 – Nationwide: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Good drivers may be forgiven for their first at-fault accident.
- Discount Variety: Nationwide has a good selection of discounts, which you can read more about in our Nationwide review.
- Vanishing Deductibles: Nationwide reduces deductibles for each policy period customers go claim-free.
Cons
- Availability: Nationwide isn’t sold in a few states.
- Rates for High-Risk Drivers: Nationwide’s rates can be higher than average for some high-risk drivers.
#8 – Liberty Mutual: Best for Policy Customization
Pros
- Policy Customization: Liberty Mutual’s coverage and deductible options make it simple to customize policies.
- Discounts: Liberty Mutual has good student discounts, bundling discounts, and more for drivers.
- 24/7 Support: Liberty Mutual has a 24/7 support line for customers.
Cons
- Usage-Based Discount Availability: Liberty Mutual’s usage-based discount isn’t available in all states.
- Customer Service: Liberty Mutual received some negative customer service ratings. Learn more in our Liberty Mutual review.
#9 – AAA: Best for Roadside Assistance
Pros
- Roadside Assistance: AAA’s roadside assistance helps with various breakdowns.
- Travel and Shopping Discounts: AAA members can get discounts on more than just car insurance.
- Coverage: AAA has various coverage options, which you can learn more about in our review of AAA.
Cons
- Annual Membership Fee: AAA requires customers to pay an annual membership fee to purchase auto insurance.
- Customer Service: AAA’s customer service may vary from club to club.
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#10 – Travelers: Best for Unique Coverage
Pros
- Unique Coverage: Travelers offers some less common coverages like non-owner insurance and new car replacement insurance.
- Multiple Discounts: Travelers has multiple discounts, which you can read more about in our review of Travelers.
- Accident Forgiveness: Safe drivers may be forgiven their first accident at Travelers.
Cons
- Rideshare Insurance Availability: Travelers’ rideshare insurance isn’t available in all states.
- Customer Service: Travelers has some negative ratings from customers.
Kia Auto Insurance Coverage Types
No matter what type of Kia you drive, you must carry liability auto insurance coverage. Liability insurance pays for other parties’ medical and property damage bills if you cause an accident. If you have a lease or loan, your lender will also require you to carry comprehensive or collision car insurance for Kia vehicles.
Unless their Kia is old and no longer worth much, the majority of drivers will benefit from carrying full coverage, as it offers financial protection in a variety of situations.Daniel Walker Licensed Insurance Agent
Collision auto insurance pays for your Kia’s repairs if you crash into another vehicle or object, such as a fence. Comprehensive auto insurance pays for your Kia’s repairs if you crash into an animal or your Kia gets damaged by vandals, weather, or falling objects.
In addition to these coverages, there are a few other insurance coverages that your car insurance company may offer for your Kia vehicle, and your state may legally require some of them:
- Medical Payments: Medical payments helps pay for your medical bills if you are injured in an accident and may be required in your state.
- Personal Injury Protection: Personal injury protection (PIP) auto insurance pays for your medical bills and lost wages if you get injured in an accident. Your state may require PIP coverage.
- Rental Car Reimbursement: Rental car reimbursement pays for your rental car if your Kia is in the shop for an extended period after a covered accident.
- Roadside Assistance: Roadside assistance covers quick fixes or tows and is useful if your Kia frequently breaks down.
- Underinsured Motorist Insurance: This coverage pays for your accident bills if the driver who hit you doesn’t have enough insurance. Your state may require underinsured motorist insurance coverage.
- Uninsured Motorist Insurance: Uninsured motorist insurance coverage pays for your accident bills if an uninsured driver hits you. Your state may require uninsured motorist insurance coverage.
You are responsible for the Kia auto insurance coverages you carry beyond the state minimum requirements. However, we recommend full coverage auto insurance for most drivers, including liability, collision, and comprehensive insurance, as it is the best car insurance for Kia cars. The next section explains how much full coverage and a minimum liability insurance policy cost for Kias.
Comparing Kia Auto Insurance Average Rates
You should always compare Kia insurance quotes by model since rates vary by your chosen Kia model and driving record. Expensive models will cost more to insure than cheaper Kia models, as insurance companies must pay more for repairs in a covered Kia car insurance claim.
Kia Auto Insurance Monthly Rates by Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AAA | $60 | $90 |
| Allstate | $38 | $155 |
| Erie | $39 | $85 |
| Farmers Insurance | $40 | $145 |
| Geico | $33 | $90 |
| Liberty Mutual | $55 | $180 |
| Nationwide | $45 | $120 |
| Progressive | $34 | $100 |
| State Farm | $35 | $95 |
| Travelers | $70 | $105 |
Take a look at the table below to compare Kia insurance quotes by model:
Kia Auto Insurance Monthly Rates by Model and Coverage Type
| Kia Model | Comprehensive Rates | Collision Rates | Liability Rates | Full Coverage Rates |
|---|---|---|---|---|
| 2024 Kia Sportage | $30 | $50 | $40 | $136 |
| 2024 Kia Soul | $33 | $53 | $40 | $142 |
| 2024 Kia Sorento | $34 | $59 | $40 | $149 |
| 2024 Kia Sedona | $29 | $47 | $38 | $128 |
| 2024 Kia Rio | $26 | $52 | $50 | $146 |
| 2024 Kia Optima | $34 | $56 | $45 | $153 |
| 2024 Kia Niro | $29 | $50 | $45 | $139 |
| 2024 Kia K900 | $39 | $70 | $45 | $169 |
| 2024 Kia Forte | $34 | $53 | $40 | $143 |
| 2024 Kia Cadenza | $33 | $58 | $45 | $151 |
A Kia K900 has the most expensive average rates for a full coverage policy, while Kia Sedona auto insurance is some of the cheapest on average. The difference between these two models is that a Kia K900 is a luxury car, whereas the Kia Sedona is a minivan. Luxury cars see higher insurance rates, but you can always find the best auto insurance for luxury cars by comparing quotes from various companies.
Of course, your age and driving record will also impact the cost of car insurance for Kias.
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Auto insurance for teens is always more expensive than Kia auto insurance rates for adult drivers since young drivers have less driving experience and are more likely to file a Kia car insurance claim. The best way to reduce your Kia insurance rates as a young driver is to keep a clean driving record, as any accidents or tickets will raise your rates.
Compare Kia Auto Insurance Rates by Model
Understanding the cost of auto insurance for Kia models is crucial for making informed decisions. Each model has unique insurance considerations, from Kia Soul insurance to Kia Rio insurance.
| Cost of Auto Insurance for Kia's by Model | |
|---|---|
| Kia K5 | Kia Soul |
| Kia Niro Plug-In Hybrid | Kia Sportage |
| Kia Sedona | Kia Stinger |
| Kia Sorento |
Exploring insurance rates by model will help you navigate the complexities and find coverage that suits both your needs and budget. You can also get quotes from the best companies like Geico.
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How to Save on Kia Auto Insurance Rates
If you want to reduce your auto insurance rates for your Kia, there are a few things you can try:
- Get auto insurance quotes. Compare quotes from different Kia auto insurance companies to get the best Kia car insurance rates.
- Look for discounts. You may not be taking advantage of all the auto insurance discounts available at your insurance company. So, check if you qualify for any Kia auto insurance discounts, such as a defensive driver discount.
- Raise your deductible. You can raise your auto insurance deductible to lower your Kia auto insurance rates, but make sure it’s an amount you can pay out of pocket after an accident.
- Reduce coverages. You could drop certain Kia auto insurance coverage, like full coverage, if you have an older Kia that isn’t worth much. The less coverage you have, the lower your Kia car insurance price. Learn more about auto insurance for older cars.
Discounts are one of the best ways to save on Kia coverage. The table below shows the best discounts at the cheapest Kia auto insurance companies.
As well, the cleaner your driving record, the cheaper your Kia insurance cost will be. Drivers with clean driving records are less risky to insure, so insurance companies reward these drivers with lower rates.
Finding Cheap Kia Auto Insurance Rates
Kia auto insurance rates depend on your driving record and what model you own, but cheap insurance for Kia cars shouldn’t be expensive if you shop for free online auto insurance quotes. If your rates are more than you would like them to be, you can shop around for the best Kia car insurance quotes, raise your deductible, and apply for discounts.
If you want to begin comparing Kia car insurance quotes, use our free quote comparison tool. It will compare rates from companies in your area to help you find the best deal on auto insurance for your Kia.
Frequently Asked Questions
Why is Kia insurance high?
Kia auto insurance costs $138 monthly for full coverage on average. However, rates depend on your driving record, location, Kia model, and age. So, compare Kia insurance quotes by model and other factors to find the best deal for you.
What Kia models are not being insured?
Due to Kia insurance issues related to theft vulnerability, State Farm and Progressive auto insurance temporarily halted new applications earlier this year “in some states for select model years and trim levels of Hyundai and Kia vehicles,” according to USA Today.
Does Kia sell insurance?
Kia doesn’t sell auto insurance, so there is no Kia insurance company. However, Kia does sell protection plans for Kia owners. These protection plans cover repairs or replacement for a number of part breakdowns with Kias, roadside assistance, and more.
Which auto insurance company has the cheapest Kia insurance?
The cheapest Kia auto insurance company depends on your driving record, coverage needs, and more. However, some companies that tend to be cheaper for insurance for a Kia include Geico, Progressive, and State Farm.
Are there any limitations or exclusions for Kia windshield replacement insurance coverage?
Specific limitations or exclusions can vary depending on the terms of your Kia insurance policy. Common limitations when insuring a Kia may include deductibles, coverage limits, or restrictions on the number of Kia insurance claims filed within a specific time period.
Review your policy documents or contact your insurance company to understand the details of your windshield replacement coverage.
How much does it cost to insure a 2023 Kia Sportage?
Kia Sportage auto insurance costs $128/mo, about $10 less than the overall Kia insurance average price.
Is Toyota or Kia cheaper?
Kias are usually cheaper to purchase than Toyotas.
Who insures Kia cars?
If you are looking for a Kia insurance company, most auto insurance companies will offer insurance that covers Kia cars.
Is Kia an affordable car?
Yes, Kias are affordable to buy. However, they aren’t on our list of the cars with the cheapest premiums (learn more: Which cars have the lowest auto insurance premiums?).
Are Kia’s reliable cars?
Yes, Kias are reliable cars.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
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.
