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At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure. Bankrate logo The Bankrate promise
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. In the U.S., the national average car insurance rate is $1,674 per year for a full coverage policy, based on Bankrate’s 2021 study of quoted annual premiums. However, the cost of car insurance is different for every driver. Your premium depends on a variety of factors, one of which is the make and model of your vehicle. Compare rates and save on auto insurance today! Get quotes Close X RatesRates keep going up in 2022. Compare rates and save on auto insurance today! Get quotes Close X This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More RATE INCREASE ALERT Rates increased up to 12% this year
Shop for a better rate before you renew your current policy. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More If you drive a Kia, the average cost of insurance can vary significantly based on the specific model and your insurance company. To give you a sense of what you might pay, Bankrate’s insurance editorial team got sample rates for several popular Kia models. Models included in this review: Kia Forte Kia Sedona Kia Sportage Kia Telluride How much does it cost to insure a Kia
The is $1,674 per year, according to 2021 data from Quadrant Information Services, but your claim history, location and type of vehicle can all impact your premium. Additionally, insurance companies tend to charge different rates for the same Kia makes and models based on their own assessments of risk. Here are some of the factors that can affect the cost of car insurance for Kias: Crash rate stats per make/model: Kia vehicles tend to be very safe cars, which can help with insurance costs. Popular Kia models like the Soul, Sorento, Sportage and Telluride were all named by the Insurance Institute for Highway Safety (IIHS). Features like front crash prevention and LED projector headlights found in the Soul and Sportage may have influenced these models’ safety pick awards. Price of parts: If your Kia needs to be repaired, most parts for the Telluride and Sorento — which are made in the U.S. — are readily accessible and do not need to be shipped from overseas. Other Kia model parts may need to be shipped from South Korea. Cars that are cheaper to repair are generally more affordable to insure. Safety features: Many Kia models are equipped with forward-collision warnings, lane departure alerts, vehicle stability management systems and a seatbelt pretensioner. These features can help reduce the chance or severity of an accident, which can keep insurance costs lower. Car insurance for a Kia by model
The cost of auto insurance for Kias depends on the specific model. Based on our , some models’ insurance premiums are cheaper than average and for others, the rates are above average. However, remember that many factors contribute to insurance premiums besides your car’s . Nevertheless, these rates can be helpful for the sake of comparison. Car insurance for Kia Forte
The Kia Forte is one of the manufacturer’s most popular sedans, with a starting . The Forte can be customized with five different trim packages, allowing the buyer to choose their preferred level of connectivity, technology and performance. The table below includes the average cost of Kia Forte car insurance for minimum and full coverage policies: Kia Forte car insurance Average annual premium Minimum coverage $544 Full coverage $1,682 Car insurance for Kia Sedona
The Kia Sedona is the brand’s minivan last produced in 2021, making way for the in 2022, with a starting MSRP of $32,300. Despite being a larger vehicle, the average cost of Kia Sedona insurance is below the national average rate, based on sample rate data. Here are the average full coverage and minimum coverage premium for the Kia Sedona: Kia Sedona car insurance Average annual premium Minimum coverage $501 Full coverage $1,534 Car insurance for Kia Sportage
The Kia Sportage is one of the brand’s best-selling midsize SUVs. New Sportage models have an , with seven trims available. The Sportage has excellent safety ratings, including a Top Safety Pick badge from the IIHS for the 2022 models when optional projector headlights and front crash prevention are included. The average cost of Kia Sportage insurance is below average, making it one of Kia’s more affordable options all around for many drivers. Kia Sportage car insurance Average annual premium Minimum coverage $506 Full coverage $1,519 Car insurance for Kia Telluride
The Kia Telluride is a popular SUV on the road. The Telluride has a starting and is among the most expensive Kia models. There are four trim levels to choose from, which come equipped with different technology and safety features. Depending on the trim you choose, the Telluride comes equipped with seven or eight passenger seats. The Telluride is rated as a safe vehicle, with a Top Safety Rating from IIHS. However, the Telluride is Kia’s most expensive model to insure, based on average rates. Kia Telluride car insurance Average annual premium Minimum coverage $511 Full coverage $1,737 Cheapest car insurance companies for Kias
Kia insurance premiums are largely dependent on your insurance company. The five providers in the table below, which appear on our list of the , offer some of the cheapest car insurance for popular Kia models. While these are the cheapest providers based on our sample rates, remember that premiums are different for every driver based on their specific circumstances and coverage needs. Average annual premium for full coverage by model
Car insurance company Kia Forte Kia Sedona Kia Sportage Kia Telluride Amica $1,324 $1,200 $1,215 $1,432 $1,421 $1,390 $1,378 $1,598 $1,346 $1,250 $1,060 $1,450 $1,417 $1,349 $1,362 $1,443 $1,087 $1,211 $1,103 $1,245 Kia features that impact insurance costs
Kias tend to be very safe and reliable vehicles, especially recent models. In the , Kia ranked first overall among mass-market brands. Here are some of the safety features that affect Kia insurance rates: Forward-collision warning system: Using mounted cameras, many Kia models can anticipate a crash before it happens using a forward-collision warning system. If the driver does not step on the brake, the car can automatically stop to avoid a crash or lessen the severity of a crash. Lane departure alerts: New Kias come with a lane departure alert system, which notifies the driver when they start to drift out of their lane. Airbags: All Kias are equipped with a full set of airbags, which include driver and passenger seat airbags, driver knee airbags, curtain airbags and front and rear side airbags, which help protect the driver and passengers in all areas of the car. LED projector headlights: Models and trim packages offering optional LED projector headlights may offer a lower insurance rate than other models. LED projector headlights offer superior visibility on curves and straightaways, allowing the driver to see further and clearer to avoid potential obstacles. Other car insurance coverage for a Kia
You must carry at least a minimum amount of car insurance if you live in a state where car insurance is required. Beyond a minimum coverage policy, Kia owners can benefit from several other types of car insurance. Drivers may be required to purchase a , which includes collision and comprehensive insurance if the Kia is leased or financed. Drivers may also want to consider , which helps pay off your loan if your new car gets totaled. Even if the vehicle is owned outright, drivers may want to consider increased coverage to help financially protect them should an accident occur. can also be valuable if your car insurance provider offers it, which keeps your rate from increasing after an at-fault accident. Some drivers also like the peace of mind of roadside assistance, which can help you get back on the road if you get a flat tire, run out of gas or lock yourself out of your vehicle. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2020 Kia Telluride and a 2019 Kia of the following model types, commute five days a week and drive 12,000 miles annually: Kia Forte Kia Sedona Kia Sportage These are sample rates and should only be used for comparative purposes. SHARE: Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others Mariah Posey is an auto and homeowners insurance writer and editor for Bankrate.com. She aims to make the insurance journey as convenient as possible by keeping the reader at the forefront of her mind in her work. Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent. Related Articles