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Kia car insurance: what you need to know.

Kia cars and SUVs are becoming increasingly popular with consumers in North America. When looking for insurance for your Kia, examine all the relevant variables.

For example, age and gender matter. Young men tend to have the highest insurance premiums.

If you’re using your Kia every day to commute to work, your insurance policy will cost more than if you only used it to run errands on the weekend.

You’re also likely to pay more in insurance if you live and drive in an area that has a high volume of claims and Kia drivers with insurance claims on their record are likely to pay higher premiums.

Insurance costs will vary for different types of coverage, regardless of whether you’re looking for an entirely new policy for your Kia or if you're simply renewing your current one.

In general, SUVs can have higher insurance premiums. This is because they often top the list of the most frequently stolen vehicles in Canada.

Comparison shopping is a crucial step for securing savings. Our free, online quote tool will survey rates from 50+ of the leading insurance providers in Canada to help you best price for your Kia car insurance.

Remember, the key to getting the best insurance policy for your Kia is to reflect how you and your vehicle are at low risk of making a claim, so make sure to adjust the details of your application accordingly.

How much does insurance cost for a Kia?

It’s difficult to predict the insurance costs in Canada for Kias because of how many variables go into determining a rate.

Even when there are similarities between two applications, their differences can lead to a significant variation in price.

To gauge how much you’re likely to pay, consider what can drive up Kia vehicle insurance rates.

Driver profile:

Any driver with a history of past insurance claims is going to pay more for auto insurance for their Kia than drivers with clean records.

LowestRates.ca data shows that young male drivers have the highest premiums. On the other hand, drivers over the age of 40 tend to pay the lowest premiums. This is, in part, because they have more driving experience so may be considered less likely to make a claim.

The policy:

You may be paying a high rate for insurance for your Kia because you have coverage you no longer need.

Carefully selecting the coverage type that best suits how you use your car will lead to savings. Why pay for coverage you’re not using?

The vehicle:

If your vehicle doesn’t have additional safety features such as a rear camera display or lane assistance system, your rates could be higher.

If your Kia is among vehicle types that are stolen often, or, if it’s expensive to replace, you could pay more.

IBC estimates that each year, insurance carriers spend more than $540 million fixing or replacing stolen cars. In one way or another, these costs are passed on to the consumer.

The insurance company:

If you’re looking for the best insurance rates for a Kia, start with a quote.

To give you a general sense of the average insurance cost for a Kia, some estimated premiums are below.

Estimated Premiums

Front view of a car. Illustration.

See how our customers save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from June 27, 2022
Customer
Male, 27 years old
Location
ontario
Vehicle
2016 KIA SOUL EV 5DR
Lowest Rate
$203/mth
$2,441/yr
Average Rate
$302/mth
$3,629/yr
Saved
$99/mth
33.00%
Quote from June 27, 2022
Customer
Male, 40 years old
Location
ontario
Vehicle
2016 KIA FORTE EX 4DR
Lowest Rate
$264/mth
$3,168/yr
Average Rate
$392/mth
$4,704/yr
Saved
$128/mth
33.00%

Your questions about Kia car insurance rates, answered.

What is the cheapest Kia to insure?

If you’re wondering how much it costs to insure a Kia, you can generally expect to pay less for smaller cars with high safety ratings.

Kia has a wide range of vehicle types and models in the market, including small and large sedans as well as small and large SUVs.

A smaller Kia sedan is likely to be the cheapest to insure.

Used vs. new Kias: which is cheaper to insure

Due to lower repair and replacement costs, car insurance for a used Kia is often less expensive than coverage for a new one.

If you’re looking into purchasing a used car, review its history to find out if it has any reported accidents or damage which could increase your insurance costs.

Any such claims can be verified on the Insurance Bureau of Canada website. Their free service, Verify Vin, will reflect if a vehicle has previously been reported by an IBC insurance company partner for flood damage or significant damage.

What is the best car insurance for a Kia?

The best car insurance for one Kia driver may not be ideal for another driver.

While vehicle type, model and associated safety ratings affect an insurance rate, coverage type and driver history are equally important.

Once you’ve received quotes using our free, online tool, consider connecting with a Kia insurance broker to better understand what sort of coverage you need.

Your rate could be high because you’re opting for a coverage type that doesn’t align with how you use your vehicle.

How can I reduce the price of car insurance for my Kia?

Securing cheap car insurance for your Kia requires a bit of strategy. Start by comparing the Kia insurance that leading companies are offering. Our free online tool will provide quotes from 50+ insurance providers across Canada.

Once you have a sense of cost, consider some of the following tactics to drive down your premium:

  • Bundle up – Insure your home with your car insurance companies.
  • Connect with a broker – Review your Kia insurance policy with a licenced broker who may be able to spot savings opportunities that you hadn’t considered.
  • Pay more upfront – Increase your deductible to bring down your monthly premium. However, only do so if you’ll be able to pay a high deductible in the event of a loss.
  • Telematics – If you allow your driving to be tracked and your costs tallied accordingly.
  • Ramp up your safety – Opt for additional safety measures when customizing a new vehicle. If you have features such as a rear camera display or lane assistance system, your rates could be lower.
  • Stick with one insurer – Use the same company to insure each of your cars.
  • Stay safe – Make sure your driving record remains free of tickets. Drivers with a clean record may be able to secure better rates.

If you’re seeking Kia insurance for a young driver, you could reduce your costs by being insured on one of your parents’ policies.

Completing a driving course can result in savings. And, in some instances, schools offer insurance discounts to students who maintain good grades.

Is it safe to buy Kia insurance online?

Yes, it’s totally safe to buy car insurance online. We’ve helped Canadians save millions on their insurance costs, collectively. Get a quote for Kia car insurance on LowestRates.ca and start saving today.

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