Kia Insurance Cost
Across 11 current Kia models, full coverage averages about $1,603 a year by our estimate — +1% versus the average vehicle ($1,590).
Kia insurance profile
Kia’s lineup is made up mostly of 5 small suvs, 3 midsize suvs, and 1 compact car. HLDI collision losses for its models average 110 (100 = all-vehicle average).
Every Kia model ranked by insurance cost
| Model | Segment | Model years | HLDI collision | Est. full / yr | vs. avg car |
|---|---|---|---|---|---|
| Telluride | Midsize SUV | 2020–2027 | 90 | $1,400 | −12% |
| Carnival | Minivan | 2022–2027 | 96 | $1,470 | −8% |
| EV9 | Midsize SUV | 2024–2026 | 122 | $1,515 | −5% |
| EV3 | Small SUV | 2027–2027 | — | $1,545 | −3% |
| K4 | Compact car | 2025–2027 | — | $1,545 | −3% |
| Seltos | Small SUV | 2021–2027 | 84 | $1,550 | −3% |
| Sorento | Midsize SUV | 2005–2027 | 104 | $1,580 | −1% |
| Sportage | Small SUV | 2005–2027 | 109 | $1,615 | +2% |
| EV6 | Small SUV | 2022–2026 | 133 | $1,680 | +6% |
| Niro | Small SUV | 2017–2027 | 108 | $1,725 | +8% |
| K5 | Midsize car | 2021–2027 | 144 | $2,005 | +26% |
Older and discontinued Kia models
What makes Kia insurance cost more or less
- EV batteries: 4 electric models — battery packs and high-voltage components are costly to repair or replace after a crash.
- Theft: Optima (#6) on the NICB national most-stolen list push comprehensive premiums up.
- Claims history: HLDI collision indices across 9 models range from 84 to 144, so the model you pick matters as much as the brand.
- Segment mix: 5 small suv, 3 midsize suv, 1 compact car, 1 minivan, 1 midsize car.
Average Kia insurance cost by state
Average full-coverage estimate across current Kia models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| Maine | $1,029 | −36% |
| North Dakota | $1,040 | −35% |
| Vermont | $1,055 | −34% |
| Idaho | $1,094 | −32% |
| Iowa | $1,100 | −31% |
| Wisconsin | $1,105 | −31% |
| Hawaii | $1,115 | −30% |
| Indiana | $1,147 | −28% |
| New Hampshire | $1,150 | −28% |
| Ohio | $1,153 | −28% |
| North Carolina | $1,210 | −25% |
| South Dakota | $1,240 | −23% |
| Wyoming | $1,268 | −21% |
| Montana | $1,291 | −19% |
| Kansas | $1,292 | −19% |
| Nebraska | $1,295 | −19% |
| Tennessee | $1,344 | −16% |
| Minnesota | $1,347 | −16% |
| West Virginia | $1,351 | −16% |
| Kentucky | $1,354 | −16% |
| Virginia | $1,385 | −14% |
| Washington | $1,397 | −13% |
| Illinois | $1,400 | −13% |
| Alabama | $1,407 | −12% |
| Pennsylvania | $1,412 | −12% |
| Alaska | $1,413 | −12% |
| Arkansas | $1,427 | −11% |
| Oregon | $1,438 | −10% |
| New Mexico | $1,447 | −10% |
| Oklahoma | $1,455 | −9% |
| Utah | $1,456 | −9% |
| Missouri | $1,463 | −9% |
| Mississippi | $1,544 | −4% |
| Massachusetts | $1,585 | −1% |
| California | $1,587 | −1% |
| Arizona | $1,685 | +5% |
| Connecticut | $1,706 | +6% |
| South Carolina | $1,711 | +7% |
| Michigan | $1,758 | +10% |
| Delaware | $1,785 | +11% |
| Maryland | $1,804 | +13% |
| Colorado | $1,829 | +14% |
| Nevada | $1,833 | +14% |
| Texas | $1,910 | +19% |
| New Jersey | $1,929 | +20% |
| Rhode Island | $1,939 | +21% |
| Georgia | $1,982 | +24% |
| District of Columbia | $2,034 | +27% |
| New York | $2,150 | +34% |
| Louisiana | $2,223 | +39% |
| Florida | $2,279 | +42% |
Frequently asked questions
How much does it cost to insure a Kia?
Across 11 current Kia models, our full-coverage estimate averages $1,603 a year for a driver in their 30s with a clean record, 1% more than the average vehicle ($1,590).
What is the cheapest Kia to insure?
The Kia Telluride has the lowest estimate at about $1,400 a year for full coverage; the Kia K5 is the most expensive at about $2,005.
Are Kia repairs expensive for insurers?
HLDI collision-loss data for 9 Kia models averages 110 (100 = average of all vehicles), which is worse than average. Collision losses combine how often claims happen and how much repairs cost.
Are Kia vehicles often stolen?
the Kia Optima (#6) appear on the NICB national most-stolen list, which raises comprehensive premiums.
Where is it cheapest to insure a Kia?
By our estimates, Maine is the cheapest state (about $1,029 a year on average across current models) and Florida the most expensive (about $2,279).
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.