Best Car Insurance for Kia 2022
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Taken straight out of Korea, Kia cars made it to the US. And it is one of the top-selling cars for people who want to know practicality, comfort, and durability. So, how much would it cost you to insure your Kia?
Kia owners pay an average of $1,848 each year for car insurance. But depending on the kind of car you buy, you could see your insurance rates rise or fall. If you want to insure a Seltos SX instead of the Forte GT, it will cost you $1,602 more per year.
Here's what drivers pay when they switch with Carlay
Here are some real quotes from Carlay customers, who saved money each time they got their Kia insured with us.
|Quote Date||Car||City, State||Zip Code||Age||Carrier||BeforeCarlay||AfterCarlay|
|May 15, 2022||Kia Forte EX||San Antonio, TX||78244||24||Kemper||$192/mo.||$88/mo.|
|June 28, 2022||Kia Forte SX||Bremen, GA||30110||26||ClearCover||$177/mo.||$107/mo.|
|February 17, 2022||Kia Optima SX||Cleveland, OH||44112||31||Progressive||$200/mo.||$111/mo.|
|June 9, 2022||Kia Forte EX||Winter Park, FL||32792||44||Mercury||$202/mo.||$169/mo.|
|August 27, 2022||Kia Optima LX||Charlotte, NC||28206||24||Dairyland||$250/mo.||$198/mo.|
Best insurance carriers for your Kia
- Pricing and Reviews
When applying for car insurance, you may be asked to provide details about your driving record, home address, and personal background. It's important to consider there is no such thing as a black and white answer to this question.
When it comes to your insurance policy, every insurance company is different. Since each insurer weighs the significance of factors differently, your insurance rates could vary greatly between insurers—even for the same coverage. The least expensive insurance policy for Kia is offered by Commonwealth Insurance, at $916 a year.
Kia is also available with the other carriers:
Nationwide is a good choice for tech-savvy drivers with a safe record who want to maintain full control of their car insurance policy. They have a robust online platform, mobile app, and website with smart tools to help you find exactly what you need. They're not the cheapest option around, but the convenience and number of discounts may help keep your premium lower than average. Clearcover gets 4.6 out of 5 stars from Carlay.
Progressive has been a top player in the auto insurance market for decades, and they have recently made some changes to their policies to make them even more competitive. They offer discounts as you stay with them longer, and they also have discounts for safe drivers. If you are willing to download an app, Progressive may offer you an even bigger discount. Progressive earns a 4.6 out of 5 from Carlay.
If you have a DUI-related conviction, have had your license suspended, or are uninsured, Kemper will insure you without owning a car. Many states require that you file an SR22 form with the state to prove that you have insurance to cover any potential liability while driving. Kemper is able to file this form for you electronically through the DMV, saving you time and hassle. Carlay rates Kemper a 4.3 out of 5.
Safeco is an auto insurance company that caters to younger drivers. It has a lot going for it, including a claims-free cashback program that gives you a small refund for every 6 months that you remain claims-free. It also has an easy-to-use app and 24/7 roadside assistance. Thanks to these perks, Carlay rates Safeco 4.5/5.
Allstate is known as one of the largest auto insurance companies in the U.S. and has been around since 1931. They offer a variety of insurance options and great digital features to make buying, managing, and filing a claim as hassle-free as possible. Allstate offers an easy-to-use website with tons of information, including what discounts you may be eligible for, exact quotes (including online), policy details, agent location finder, and much more. Just enter your zip code on their website to get started! Carlay gives Allstate Insurance Company a 4.5/5 rating.
At Carlay, we believe that you're a unique traveler so you deserve a unique travel insurance plan. Built around your travel habits, Travelers has the right insurance product for you. Protect yourself against damaging events like car accidents and costly mishaps with Travelers' comprehensive coverage which includes roadside assistance, rental car reimbursement and accident forgiveness. Carlay gives Travelers 4.7 out of 5 stars.
If you're looking for a mid-range price car insurance plan that offers lots of coverage options, you might want to consider State Auto. It has a 4.1/5 rating on Carlay and is highly praised by customers for its convenient claim filing process. State Auto specializes in auto insurance for safe drivers, so if you qualify with a clean driving record, this company may be the right choice for you.
National General considers high-risk drivers like you to be "preferred" insurance buyers. The company will go out of its way to serve you, and waives your deductible if you're not happy with your claims experience. National is also building a strong local presence in the communities it serves, so you can be sure your agent has your back. Carlay gave National General a 4.1/5 rating.
You want simple, flexible auto insurance coverage. With Dairyland, you can choose your deductible and payment plan, which you may change from month to month. With convenient payment options and 24/7 claims support in almost 40 states, it's hard to find better deals than Dairyland. Carlay hereby rates Dairyland at 4.6/5.
Clearcover is perfect for younger customers, who often have busy lifestyles. With the app, you can easily file a claim and even pay your bill whenever it suits you. Clearcover is good for younger customers because the mobile-biased site encourages tech-friendly communication, and it allows you to conduct business in a way that's convenient for you. Clearcover gets 4.1 out of 5 stars from Carlay.
- How to compare prices to find the most affordable coverage
Different companies use different formulas to determine what you will pay for insurance. Your premium is just one factor that affects the price.
When shopping for car insurance, remember to avoid the temptation to lower your premiums by making unnecessary sacrifices. If you're involved in an accident, you'll be glad you had the proper coverage.
When you're looking for the best insurance policy and premium, you should consider comparing quotes from at least three different insurers.
When you're interested in a certain insurance company, and you want to see if they offer a quote for your situation, you can just go online and get one. But if you've ever done this, you know that it takes much too long, and the process is a bit boring.
When you compare car insurance with Carlay, you'll get a personalized coverage recommendation along with quotes from all the top insurance companies. Carlay helps you find and compare the best insurance rates so that you get the protection you and your family deserve without breaking the bank.
After you download Carlay to your smartphone, just answer a few questions about your current auto insurance plans and you will receive a list of the minimum amounts of coverage required by law. Did you know that Carlay customers save an average of $879 a year. Even better new? Carlay is free for all consumers.
|Rank||Company name||Avg. Annual Premium|
With so many options available, it can be hard to choose the right kind of car insurance. Carlay lets you compare quotes from multiple carriers with a simple swipe of your finger, so you can find the best premium for the coverage you need.
Cost of insuring a Kia
- Cost of insuring with minimum coverage and full coverage
For the average Ford, the cost of car insurance is approximately $1,658 a year for minimum coverage and $2,759 for full coverage. According to the most recent data available, auto insurance costs the average driver approximately $1,783 per year for liability coverage, and $2,485 per year for comprehensive and collision coverage.
The amount of your Kia insurance premium will depend on the coverage you select. Remember that each state has its own minimum insurance requirements that you must meet. Here are some types of insurance your state may require:
|Coverage type||Protection offered|
|Bodily injury liability (per person and per accident)||Pays for the costs associated with the injuries you've caused to others|
|Property damage liability (per accident)||Pays for the costs associated with damage you cause to other people's vehicles or property|
|Uninsured motorist protection (per person and per accident)||Applies when a car accident isn't your fault but the at-fault driver doesn't have liability insurance to pay for your injuries or property damage|
|Underinsured motorist protection (per person and per accident)||Applies when the at-fault driver has liability insurance, but it isn't enough to cover your injuries or property damage|
|Personal injury protection (per person and per accident)||Pays for your own medical expenses after a car accident|
While these are the minimum requirements, it is always a good idea to purchase additional protection for your Kia.
Minor car accidents can result in thousands of dollars in damage and medical bills for everyone involved. If you're at-fault but don't have enough coverage, you will be responsible for the costs out-of-pocket.
Your Kia dealership may require that you buy full-coverage insurance when you lease or finance your car. And if you can't afford a car replacement in the event of a total loss, consider purchasing full-coverage insurance.
|Coverage type||Protection offered|
|Collision||Applies if you get into a collision with someone else's vehicle or an object|
|Comprehensive||Applies when your car is damaged by something other than a collision or rollover, like a weather event or vandalism|
Here are the costs to insure a Kia with minimum and full coverage before and after switching with Carlay.
|All Coverage BeforeCarlay||All Coverage AfterCarlay||Minimum Coverage BeforeCarlay||Minimum Coverage AfterCarlay||Full Coverage BeforeCarlay||Full Coverage AfterCarlay|
|All Coverage BeforeCarlay||$2,550|
|All Coverage AfterCarlay||$1,729|
|Minimum Coverage BeforeCarlay||$2,599|
|Minimum Coverage AfterCarlay||$1,469|
|Full Coverage BeforeCarlay||$3,172|
|Full Coverage AfterCarlay||$2,179|
- Cost of insuring based on age and driving record
Driving experience can affect your insurance rates. That's why car insurance for a teenager is typically more expensive than for an older driver. But ultimately, a great way to get lower rates is by driving well and proving you're good behind the wheel.
Young, inexperienced drivers have a greater chance of causing accidents and therefore pay higher auto insurance premiums, while senior citizens with years of driving experience usually enjoy lower insurance costs.
If you have received a traffic violation but have not yet been convicted, then many insurance companies will take that into account when setting your premium. Insurance companies also consider safety ratings based on how often you are involved in an accident, the cost of damage to your vehicle and any injuries caused by accidents.
That said, there is good news! You may see a noticeable reduction in your insurance premium if you maintain a clean driving record going forward.
The following table shows how accidents and violations affect car insurance costs for Kia by age group:
- Cost of insuring popular models
The type of Kia you own could make a difference in the cost to insure your car. This is why it's important to find out which models have lower repair and replacement costs. The cost of insurance tends to be higher for luxury cars than it is for their lower-priced counterparts.
Whether you drive an economy-sized sedan or an oversized SUV, Carlay can help you find the right coverage at a fair and competitive price.
Carlay, a licensed insurance broker, finds the best policies from top name-brand insurance companies and enrolls you in the policy that's right for you. Carlay will even cancel your old policy for you. Also, Carlay is a great way to save money on car insurance! In fact, when you compare rates on Carlay, our average customer saves $879 a year.
Want to find out more about the car insurance costs for some of the most popular makes? Click on the links below.
- Cost of insuring your Kia by year
Most and least expensive years of car
After you buy your new car, it's time to look at the best insurance option available to you. You should be looking into a combination of price and coverage that fits your needs.
Did you know that your car's value declines as it gets older? But this depreciation can be good news—you might be able to get lower auto insurance premiums!
Edmunds says the average new car drops 23.5% of its value in the first year and 60% in the first five years. If you lease or finance your car, your lender might require you to have full coverage as part of your loan agreement. Full coverage may cost more than the state minimum liability insurance requirement, but it's worth the cost to protect yourself from a lawsuit from the other driver.
According to car manufacturer Carlay's data, Kias from 1995 and 2000 are cheaper than those produced in 2019 and 2020.
|Year||Average Cost||Annual Savings withCarlay|
Older Kias are less expensive to fix or replace than newer models. An older Kia's insurance rates may be cheaper than those of a newer one.
- Cost of insuring a Kia in your city
Purchasing automobile insurance in an area with a higher accident rate may raise your premiums. The price of Kia insurance varies widely between cities in the same state. Those differences come down to the risk that your insurance company has to assume when covering your vehicle. If a city has a high rate of auto thefts, car accidents, or severe weather conditions, you can expect to pay more for your coverage.
Your insurance provider looks at your home's risk to determine your insurance rate. If you live in an area with many car thefts, accidents, or severe weather, you will likely pay more for your coverage because there's more risk for your insurance company.
According to our data, drivers in Atlanta (GA), Hampton (VA), Houston (TX), Phoenix (AZ) and Marietta (GA) prefer Kia vehicles. If you're looking for cheap car insurance for Kia in Carlay (OH), the cheapest cities are Waverly and Tupelo; the most expensive cities are Webb City and Hayward.
|City||Average Cost||Annual Savings withCarlay|
|Stone Mountain||$4,640||$739||Compare Prices|
Your auto insurance rates will be higher if you live in an area with high theft, collision, or severe weather event rates.