Best Cheap Kia Car Insurance
State Farm offers the cheapest average car insurance rates for most Kia models. Travelers is the next most affordable option for Kia owners, with average rates not far behind State Farm’s.
Cheapest Kia car insurance companies
How much is Kia car insurance?
The average cost of full coverage car insurance for a Kia ranges from $246 a month to $361 a month.
The Seltos EX and the Soul EX share the cheapest rate to insure, at $246 a month. The Sportage EX is close behind them, at $249 a month. The EV6 GT is the most expensive model of Kia to insure, at $361 a month.
Kia car insurance costs by model
| Model | Annual rate | Monthly rate |
|---|---|---|
| Carnival EX | $3,266 | $272 |
| EV6 GT | $4,330 | $361 |
| EV6 GT-Line | $4,002 | $334 |
| Forte GT | $3,352 | $279 |
| K5 EX | $3,579 | $298 |
| Niro EX | $3,188 | $266 |
| Niro LX | $3,003 | $250 |
| Rio LX | $3,082 | $257 |
| Seltos EX | $2,958 | $247 |
| Sorento EX | $3,171 | $264 |
| Soul EX | $2,947 | $246 |
| Sportage EX | $2,988 | $249 |
| Stinger GT1 | $4,223 | $352 |
| Telluride EX | $3,136 | $261 |
Cheapest Carnival EX insurance
Travelers has the cheapest rates for the Kia Carnival EX, at $2,399 a year. State Farm is the next-cheapest option, at an average of $2,439.
While State Farm’s rate is slightly higher, its Drive Safe and Save plan can drop your car insurance costs by up to 30% by allowing your driving habits to be tracked. The safer you drive, the more you can save.
Kia Carnival EX cost
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | Travelers | $2,399 |  |
 | State Farm | $2,439 | |
 | Progressive | $3,035 |  |
 | Geico | $3,163 |  |
 | Allstate | $3,890 |  |
 | Farmers | $5,404 | |
 | USAA* | $2,531 | |
Cheapest auto insurance for Kia EV6 GT
Travelers offers the lowest rate for the Kia EV6 GT, at $2,521 a year. State Farm’s average rate for the Kia EV6 GT is a little more than 19% higher, at $3,008 a year.
State Farm offers a bundling discount that can save you up to $1,356 a year if you purchase both your car and home insurance through it. Travelers may also have a bundling discount. Make sure to take advantage of all available discounts when comparing car insurance quotes.
Kia EV6 GT cost
| Company | Annual rate |
|---|---|
| Travelers | $2,521 |
| State Farm | $3,008 |
| Progressive | $3,337 |
| Geico | $3,556 |
| Allstate | $5,646 |
| Farmers | $8,978 |
| USAA* | $3,265 |
Cheapest car insurance for Kia EV6 GT-Line
Travelers offers the cheapest rates for the Kia EV6 GT-Line, at $2,242 a year. State Farm is the next cheapest at $2,896 a year.
The cost differences between Travelers, State Farm and Progressive are not that large. Be sure to look at all car insurance discounts you qualify for from each company when comparing quotes to see which one is your cheapest choice in the end.
Kia EV6 GT-Line cost
| Company | Annual rate |
|---|---|
| Travelers | $2,242 |
| State Farm | $2,896 |
| Progressive | $2,983 |
| Geico | $3,402 |
| Allstate | $4,856 |
| Farmers | $8,422 |
| USAA* | $3,214 |
Cheapest Forte GT insurance
State Farm is the cheapest company for owners of the Kia Forte GT, at $2,703 a year. Travelers is very close behind, at $2,777 a year.
Kia Forte GT cost
| Company | Annual rate |
|---|---|
| State Farm | $2,703 |
| Travelers | $2,777 |
| Progressive | $2,900 |
| Geico | $3,232 |
| Allstate | $4,472 |
| Farmers | $5,107 |
| USAA* | $2,271 |
Cheapest auto insurance for the Kia K5 EX
State Farm has the cheapest car insurance for the Kia K5 EX, at $2,551 a year. Travelers is the next cheapest at $3,147 a year.
While Travelers’ average rate for the KIa K5 EX is almost 24% higher than State Farm’s, both are still well under the average rate of the K5 EX of $3,579 a year.
Kia K5 EX cost
| Company | Annual rate |
|---|---|
| State Farm | $2,551 |
| Travelers | $3,147 |
| Geico | $3,625 |
| Progressive | $3,763 |
| Allstate | $4,385 |
| Farmers | $5,188 |
| USAA* | $2,396 |
Cheap car insurance for the Kia Niro EX
State Farm is the cheapest choice for full coverage car insurance for the Kia Niro EX, at $2,361 a year. Travelers is not far behind, at $2,512 a year.
Kia Niro EX cost
| Company | Annual rate |
|---|---|
| State Farm | $2,361 |
| Travelers | $2,512 |
| Progressive | $2,848 |
| Geico | $3,219 |
| Allstate | $3,868 |
| Farmers | $5,099 |
| USAA* | $2,406 |
Cheap Niro LX auto insurance
State Farm has the cheapest rates for the Kia Niro LX, at $2,273 a year. Travelers is next-cheapest, at $2,521 a year.
Kia Niro LX cost
| Company | Annual rate |
|---|---|
| State Farm | $2,273 |
| Travelers | $2,521 |
| Geico | $2,731 |
| Progressive | $2,802 |
| Allstate | $3,418 |
| Farmers | $5,000 |
| USAA* | $2,277 |
Cheapest rates for the RIO LX
Kia Rio LX owners get the most affordable rates for full coverage with State Farm, at $2,262 a year. Progressive is the next cheapest at $2,663 a year.
Progressive offers more add-on coverage and discounts than State Farm, so Progressive could still turn out to be your best choice, despite the initial cost difference.
Kia RIO LX cost
| Company | Annual rate |
|---|---|
| State Farm | $2,262 |
| Progressive | $2,663 |
| Geico | $2,973 |
| Travelers | $2,993 |
| Allstate | $3,640 |
| Farmers | $4,981 |
| USAA* | $2,065 |
Cheapest car insurance rates for the Seltos EX
Kia Seltos EX drivers get the cheapest car insurance rates with State Farm, at an average of $2,240 a year. Travelers is the next cheapest at $2,317 a year.
Kia Seltos EX cost
| Company | Annual rate |
|---|---|
| State Farm | $2,240 |
| Travelers | $2,317 |
| Progressive | $2,657 |
| Geico | $2,973 |
| Allstate | $3,711 |
| Farmers | $4,488 |
| USAA* | $2,318 |
Cheap Sorento EX car insurance rates
Travelers has the cheapest full coverage rates for the Kia Sorento EX, at $2,329 a year. State Farm is a very close second at $2,407.
Since the two companies have similar rates, finding the cheapest one for your needs will come down to which discounts are available to you.
Kia Sorento EX cost
| Company | Annual rate |
|---|---|
| Travelers | $2,329 |
| State Farm | $2,407 |
| Progressive | $2,887 |
| Geico | $3,224 |
| Allstate | $4,167 |
| Farmers | $4,869 |
| USAA* | $2,315 |
Cheapest Kia Soul EX auto insurance rates
Kia Soul EX drivers get the most affordable car insurance rates with State Farm, at $2,183 a year. Travelers has the next-cheapest average rate of $2,327 a year.
Kia Soul EX cost
| Company | Annual rate |
|---|---|
| State Farm | $2,183 |
| Travelers | $2,327 |
| Progressive | $2,496 |
| Geico | $3,043 |
| Allstate | $3,960 |
| Farmers | $4,351 |
| USAA* | $2,272 |
Cheap rates for the Kia Sportage EX
State Farm has the lowest car insurance for the Kia Sportage EX, at $2,162 a year. Travelers is the next cheapest, at $2,218 a year.
State Farm has solid customer satisfaction and complaint ratings, while Travelers has a superior complaint rating but subpar customer satisfaction.
Kia Sportage EX cost
| Company | Annual rate |
|---|---|
| State Farm | $2,162 |
| Travelers | $2,218 |
| Progressive | $2,525 |
| Geico | $2,998 |
| Allstate | $3,842 |
| Farmers | $4,773 |
| USAA* | $2,397 |
Cheap auto insurance for the Stinger GT1
If you own a Kia Stinger GT1, State Farm has your cheapest rate at $3,014 a year. Travelers is the next cheapest, at $3,491.
The price difference is close enough to take a good look at which discounts each company offers you.
Kia Stinger GT1 cost
| Company | Annual rate |
|---|---|
| State Farm | $3,014 |
| Travelers | $3,491 |
| Progressive | $4,203 |
| Geico | $4,601 |
| Allstate | $5,208 |
| Farmers | $5,657 |
| USAA* | $3,388 |
Cheapest car insurance rates for the Kia Telluride EX
Travelers has the cheapest average car insurance rate for Kia Telluride EX, at $2,296 a year. State Farm is just a few dollars more at $2,312 a year, so check for discounts to see which is most affordable.
Telluride EX cost
| Company | Annual rate |
|---|---|
| Travelers | $2,296 |
| State Farm | $2,312 |
| Progressive | $2,903 |
| Geico | $3,138 |
| Farmers | $4,379 |
| Allstate | $4,403 |
| USAA* | $2,522 |
Your final car insurance quote is based on factors besides the model of Kia you own. Car insurance companies also look at:
- ZIP code
- Driving history
- Chosen coverage limits and deductibles
Comparing car insurance quotes is important because companies will weigh the risks of these factors differently. For example, one company may consider your driving history to be a higher risk than another company and raise your rate to offset the risk.
When comparing quotes, make sure to use the same coverage limits and deductible for each company to make sure you’re getting an accurate comparison.
Best companies for Kia car insurance
State Farm is the best overall company for Kia car insurance. It has the cheapest average rate for Kias. Travelers has a better complaint rating than State Farm, but State Farm comes out ahead with a higher customer satisfaction rating.
Note that USAA has a cheaper average rate than Travelers, making it the actual next-cheapest insurer after State Farm, as well as the best customer satisfaction rating of any of the companies in our survey. But USAA is only for active-duty and veteran military members and their families.
| Company | Average annual rate Average annual rate for all Kia models. | Complaints Source: 2023 NAIC complaint index. Average is 1.0. Lower is better. | Customer satisfaction Source: J.D. Power 2024 U.S. Auto Insurance Study. Average is 644. Higher is better. | LendingTree score |
|---|---|---|---|---|
| Allstate | $4,248 | 0.71 (good) | 691 (average) | |
| Farmers | $5,478 | 1.26 (poor) | 706 (good | |
| Geico | $3,277 | 0.73 (good) | 692 (average) | |
| Progressive | $3,000 | 0.72 (good) | 672 (poor) | |
| State Farm | $2,487 | 0.78 (good) | 710 (good) | |
| Travelers | $2,578 | 0.40 (excellent) | 684 (poor) | |
| USAA* | $2,546 | 0.99 (average) | 726 (excellent) | |
Best overall and cheapest rates: State Farm
State Farm offers the lowest average rate for Kia owners, along with the best customer satisfaction rating for most drivers.State Farm also offers a strong number of discounts to help cut your car insurance costs even further, although they have fewer add-on coverage options than many others in our survey.
PROS
- Cheapest rates overall for Kias
- High customer satisfaction
- Good discounts
CONS
- Low amount of optional coverage
Second-best rates and complaint rating: Travelers
Travelers offers the next-best rates for Kias after State Farm, along with having the best complaint rating of any of the car insurance companies we looked at.Travelers also has a wide range of both discounts and add-on coverages, making them a good choice for Kia drivers wanting to tailor their coverage at a good price. On the downside, its customer satisfaction rating is low compared to its competitors.
PROS
- Low rates
- Excellent complaint rating
- Good discounts and optional coverage
CONS
- Low customer satisfaction rating
- Accident forgiveness not available in all states
Best add-on coverage: Progressive
Progressive offers the third-best average rate for most Kia models — except with the Kia Rio LX, where it is second cheapest. But Progressive also offers the best choices for optional coverage of all the insurers we looked at, including:
- Gap insurance
- Rental car reimbursement
- Rideshare insurance
- Vehicle protection
A point of concern can be Progressive’s below-average customer satisfaction rating.
PROS
- Kia rates below national average
- Good range of add-on coverage options
- Good complaint rating
CONS
- Poor customer satisfaction rating
- Does not offer new car replacement optional coverage
Frequently asked questions
The average cost of full coverage car insurance on a Kia is $3,373 a year. This is 61% higher than the national average of $2,101 a year. State Farm offers the average rate for a Kia closest to the national average, at $2,487 a year.
Kias have a history of being a preferred target of car thieves. For a time, very few Kia models had electronic immobilizers to prevent thieves from bypassing the ignition. While Kia has taken steps since then to solve the problem, car insurance companies can still see a risk factor.
A good way to lower your rates is to make sure anti-theft devices are installed in your Kia. On top of making your car more secure, many car insurance companies offer discounts for anti-theft device installation.
Methodology
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of car insurance quotes for typical drivers in Illinois, New York, Pennsylvania and Texas.
Quotes are for a 30-year-old man with good credit and a clean driving record. Policies include:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured/underinsured motorist bodily injury: $50,000 per person, $100,000 per accident
- Personal injury protection in Maryland and Minnesota
- Collision: $500 deductible
- Comprehensive: $500 deductible
Rates are based on prices quotes for the following 2022 model-year vehicles:
- Carnival EX
- EV6 GT-Line
- Forte GT
- K5 EX
- Niro LX
- Rio LX
- Seltos EX
- Sorento EX
- Soul EX
- Sportage EX
- Stinger GT1
- Telluride EX
This survey also included the following 2023 model-year vehicles:
- EV6 GT
- Niro EX
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Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included complaint index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from AM Best. NAIC complaint index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.
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*USAA is only available to current and former members of the military and their families.