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Kia auto insurance: what you need to know.

When it comes to insurance, not all cars are created equal. The make and model of a car is one of many important factors in determining your auto insurance rate. The age of the vehicle influences your premiums as well since older cars cost less to replace with similar models.

We'll explain which factors determine your car insurance rates and also explore possible rates for the most popular Kia models in Canada. Let’s get started.

Your questions about Kia auto insurance rates, answered.

How much does car insurance cost for a Kia?

LowestRates.ca editors ran a quote for each of Canada’s most popular Kia models to give you an idea of what the premiums could look like

We’ve also included information about the car’s build quality from the Insurance Institute for Highway Safety (IIHS), an independent nonprofit organization funded by North American insurance companies with an aim to inform the public about vehicle safety by conducting crash safety tests. Insurance companies pay attention to IIHS ratings, though it’s unclear to what extent.

All prices are in Canadian dollars.

Kia Forte

Estimated premium

Driver infoCar make + modelLowest premium quotedHighest premium quoted
Female, age 30, Ontario2020 Kia Forte EX 4DR$124.25/month$397.92/month
Male, age 30, Ontario2020 Kia Forte EX 4DR$128.25/month$414.17/month

About the Kia Forte

  • The 2020 Kia Forte was selected as a Top Safety Pick by the IIHS, an honour the bestowed on this model every year since 2017.
  • There were a few exceptions to its strong record, however, which included the vehicle’s headlights and child seat anchors.
  • The headlights received a rating of ‘poor’ for their inability to effectively illuminate the road ahead.
  • The NHTSA also awarded the Kia Forte generally high scores across the majority of its categories. However, in recent years, the NHTSA flagged safety concerns outside the scope of the administration's tests. These external safety concerns are often expressed by government bodies when a vehicle has a structural failure or malfunction. These labels appear on models released in 2011, 2012, 2013 and 2020.
  • A Kia Forte 2020 can range in price from $17,695 to $28,995 depending on the model and trim.

Kia Sorento

Estimated premium

Driver infoCar make + modelLowest premium quotedHighest premium quoted
Female, age 30, Ontario2020 Kia Sorento EX V6 4DR AWD$107.92/month$359.33/month
Male, age 30, Ontario2020 Kia Sorento EX V6 4DR AWD$111.17/month$373.83/month

About the Kia Sorento

  • Like the Forte, Kia’s Sorento model was also named a Top Safety Pick by the IIHS for several years in a row, between 2016 and 2020.
  • However, depending on the trim, the Sorento’s headlights have been given a poor rating every year since 2020.
  • The child seat anchors received a rating of ‘acceptable’ for their ease of use.
  • The Sorento also includes several additional safety features, such as standard daytime running lights, optional blind spot detection, optional late departure warning and optional lane departure prevention.
  • The Sorento also scored well in the NHTSA’s scale, with four or five stars awarded in almost every category every year. In recent years, the Sorento has received an overall score of five out of five stars.
  • The Kia Sorento 2020 can range in price from $30,995 to $46,345 depending on the model and trim.

How auto insurance quotes for Kias are calculated

Beyond the car you drive, your personal driving history, as well as your age and gender, and your postal code, have a major impact on how much you pay each month for car insurance.

In order to generate quotes, we had to create user personas: one male and one female.

Here are the criteria we used:

  • We ran separate quotes for a 30-year-old man and a 30-year-old woman in Ontario.
  • We used the postal code for the LowestRates.ca office in midtown Toronto.
  • We chose the 2020 model for each car.
  • Our personas have been insured continuously since receiving their license.
  • They drive an average of 40 km per day.
  • We’ve only selected the bare minimum when it comes to insurance coverage (third-party liability insurance).
  • We didn’t apply for any discounts.
  • We indicated that the car has winter tires.
  • We also indicated that the car is parked in a private garage.

Other factors that influence your auto insurance rate

Here are some examples:

  • Your driving record: If you’ve been in an accident (or accidents) where you’ve been determined to be at fault you can expect to pay higher premiums. The same is true if you have a record of infractions behind the wheel—from failing to signal to speeding, to drunk driving. You can immediately take action to improve your premium by becoming a better driver. Take a defensive driving course and follow the rules of the road. Eventually, your good habits will have a positive impact on your premiums.
  • Where you live: Location matters in calculating auto insurance premiums. If you live in an urban area, expect to pay higher rates. You have a greater chance of being in an accident or having your car broken into.
  • How much you’re willing to pay: You can lower your premium if you are willing to pay a higher deductible if you ever make a claim. It will cost you more at the moment, but you can save in the long run if you never make a claim. You can also reduce your premiums if you are eligible for discounts, such as those many insurers offer if you bundle your auto insurance with your home insurance policy. Talk to your insurance broker or agent.

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