Kia K4 Insurance Cost
Full coverage for a Kia K4 costs about $1,545 a year ($129/month) by our estimate — ▼ −3% versus the average vehicle, ranking 112th cheapest of 310 current models.
Kia K4 insurance cost at a glance
These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2025–2027 model years of the Kia K4.
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $615 | $51 | $505–$725 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $890 | $74 | $730–$1,050 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,545 | $129 | $1,265–$1,820 |
What drives the cost of insuring a Kia K4
HLDI does not publish loss results for the Kia K4, so our estimate uses the typical losses of its segment (Compact car): 1.00× average for liability, 0.95× for collision and 0.90× for comprehensive.
- Repair and parts costs: Compact car — mainstream parts availability keeps repairs moderate.
- Safety: 5-star NHTSA overall rating (frontal 4★, side 5★, rollover 5★) — better occupant protection lowers injury-claim costs.
- Recalls & complaints: 3 NHTSA recall campaigns and 55 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
Kia K4 trims and configurations (2027)
Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.
| Configuration | Drive | Engine | MPG (comb.) |
|---|---|---|---|
| K4 | FWD | 1.6L 4-cyl Turbo | 28 |
| K4 4DR with DMS | FWD | 2.0L 4-cyl | 33 |
| K4 Hatchback | FWD | 1.6L 4-cyl Turbo | 28 |
| K4 Hatchback | FWD | 2.0L 4-cyl | 30 |
| K4 without DMS | FWD | 2.0L 4-cyl | 33 |
Kia K4 insurance cost by model year
Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.
| Model year | Engines | Drive | MPG | Est. full / yr |
|---|---|---|---|---|
| 2027 | 1.6L 4-cyl Turbo, 2.0L 4-cyl | FWD | 28–33 | $1,545 |
| 2026 | 1.6L 4-cyl Turbo, 2.0L 4-cyl | FWD | 28–33 | $1,515 |
| 2025 | 1.6L 4-cyl Turbo, 2.0L 4-cyl | FWD | 29–34 | $1,485 |
Kia K4 insurance cost by state
The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs.
| State | Full coverage | Minimum | vs. national |
|---|---|---|---|
| Alabama | $1,340 | $480 | −13% |
| Alaska | $1,350 | $625 | −13% |
| Arizona | $1,620 | $660 | +5% |
| Arkansas | $1,355 | $450 | −12% |
| California | $1,510 | $570 | −2% |
| Colorado | $1,750 | $650 | +13% |
| Connecticut | $1,645 | $710 | +6% |
| Delaware | $1,730 | $800 | +12% |
| District of Columbia | $1,945 | $740 | +26% |
| Florida | $2,215 | $1,080 | +43% |
| Georgia | $1,915 | $870 | +24% |
| Hawaii | $1,060 | $435 | −31% |
| Idaho | $1,045 | $400 | −32% |
| Illinois | $1,335 | $500 | −14% |
| Indiana | $1,095 | $405 | −29% |
| Iowa | $1,045 | $310 | −32% |
| Kansas | $1,230 | $405 | −20% |
| Kentucky | $1,300 | $525 | −16% |
| Louisiana | $2,140 | $790 | +39% |
| Maine | $980 | $425 | −37% |
| Maryland | $1,735 | $750 | +12% |
| Massachusetts | $1,515 | $590 | −2% |
| Michigan | $1,680 | $765 | +9% |
| Minnesota | $1,285 | $470 | −17% |
| Mississippi | $1,475 | $530 | −5% |
| Missouri | $1,400 | $510 | −9% |
| Montana | $1,230 | $395 | −20% |
| Nebraska | $1,230 | $405 | −20% |
| Nevada | $1,780 | $865 | +15% |
| New Hampshire | $1,095 | $400 | −29% |
| New Jersey | $1,865 | $935 | +21% |
| New Mexico | $1,385 | $520 | −10% |
| New York | $2,075 | $930 | +34% |
| North Carolina | $1,145 | $450 | −26% |
| North Dakota | $985 | $275 | −36% |
| Ohio | $1,100 | $405 | −29% |
| Oklahoma | $1,385 | $470 | −10% |
| Oregon | $1,390 | $625 | −10% |
| Pennsylvania | $1,345 | $425 | −13% |
| Rhode Island | $1,870 | $820 | +21% |
| South Carolina | $1,655 | $730 | +7% |
| South Dakota | $1,175 | $315 | −24% |
| Tennessee | $1,280 | $450 | −17% |
| Texas | $1,825 | $690 | +18% |
| Utah | $1,405 | $655 | −9% |
| Vermont | $1,000 | $315 | −35% |
| Virginia | $1,325 | $625 | −14% |
| Washington | $1,345 | $590 | −13% |
| West Virginia | $1,285 | $435 | −17% |
| Wisconsin | $1,055 | $370 | −32% |
| Wyoming | $1,200 | $325 | −22% |
Kia K4 insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,685 | $2,445 | $4,245 | $354 |
| Young adult (22) | $980 | $1,425 | $2,470 | $206 |
| Adult in their 30s | $615 | $890 | $1,545 | $129 |
| Adult in their 50s | $565 | $820 | $1,420 | $118 |
| Senior (72) | $685 | $995 | $1,730 | $144 |
| 30s, one at-fault accident | $890 | $1,290 | $2,240 | $187 |
| 30s, DUI on record | $1,135 | $1,645 | $2,855 | $238 |
Kia K4 vs. rivals
| Model | Full coverage / yr | HLDI collision | HLDI comprehensive | Comparison |
|---|---|---|---|---|
| Kia K4 | $1,545 | — | — | — |
| Honda Civic | $1,790 | 121 | 88 | — |
| Toyota Corolla | $1,705 | 102 | 89 | — |
| Toyota Prius | $1,595 | 118 | 104 | — |
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Other Kia models
- Carnival $1,470/yr
- EV3 $1,545/yr
- K5 $2,005/yr
- Niro $1,725/yr
- Seltos $1,550/yr
- Sorento $1,580/yr
- Sportage $1,615/yr
- Telluride $1,400/yr
- EV6 $1,680/yr
- EV9 $1,515/yr
- Soul $1,595/yr
- Forte $1,955/yr
- Rio $1,455/yr
- Stinger $1,445/yr
- Sedona $1,255/yr
- Cadenza $1,400/yr
- K900 $1,400/yr
- Optima $1,390/yr
- Rondo $1,135/yr
- Borrego $1,190/yr
- Amanti $1,260/yr
- Spectra $1,255/yr
Frequently asked questions
How much is insurance for a Kia K4?
We estimate about $1,545 a year ($129 a month) for full coverage and $615 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 3% less than the average vehicle.
Which state is cheapest to insure a Kia K4?
Maine has the lowest estimate (about $980 a year for full coverage) and Florida the highest (about $2,215).
What is the Kia K4's NHTSA safety rating?
The 2026 Kia K4 earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.
Is the Kia K4 cheaper to insure than the Honda Civic?
By our estimate the Kia K4 costs about $1,545 a year versus $1,820 for the Honda Civic, making it the cheaper of the two to insure.
How much is Kia K4 insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $4,245 a year at national-average rates by our estimate.
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.