Cheap Kia Car Insurance in 2024 (Top 10 Low-Cost Companies)
Leading the pack for cheap Kia car insurance are Geico, Amica, and American Family, with Geico offering the lowest monthly rate starting at $120. Amica and American Family also provide competitive pricing and solid coverage options for Kia drivers. Choose affordable protection from one of these top providers.
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Mary Martin
Published Legal Expert
Mary Martin has been a legal writer and editor for over 20 years, responsible for ensuring that content is straightforward, correct, and helpful for the consumer. In addition, she worked on writing monthly newsletter columns for media, lawyers, and consumers. Ms. Martin also has experience with internal staff and HR operations. Mary was employed for almost 30 years by the nationwide legal publi...
Published Legal Expert
UPDATED: Nov 3, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Nov 3, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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Min. Coverage for Kia
A.M. Best Rating
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Pros & Cons
768 reviewsThe best providers for cheap Kia car insurance are Geico, Amica, and American Family, recognized for their unbeatable combination of affordability and strong coverage options.
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $120 | A++ | Cost Savings | Geico |
 | #2 | $125 | A+ | Customer Service | Amica |
 | #3 | $134 | A | Loyalty Discounts | American Family |
 | #4 | $136 | A | Multi-Policy Discounts | Liberty Mutual |
 | #5 | $141 | A+ | UBI Savings | Allstate |
 | #6 | $144 | A+ | Loyalty Rewards | Progressive |
 | #7 | $152 | A++ | Safe-Driving Discounts | Travelers |
 | #8 | $153 | A | Industry Experience | Farmers |
 | #9 | $157 | A+ | Tailored Policies | The Hartford |
 | #10 | $158 | B | Teen Discounts | State Farm |
These top picks offer Kia drivers the best mix of value and coverage. For those seeking affordable and dependable car insurance, these companies lead the way.
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- Geico is the top pick for cheap Kia car insurance with affordable coverage
- Geico offers tailored insurance options for Kia drivers’ unique needs
- Amica and American Family also provide competitive rates for Kia owners
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#1 – Geico: Top Overall Pick
Pros
- Top-Tier A.M. Best Score: Geico’s outstanding financial stability gives Kia drivers peace of mind. Find out more about this provider in our Geico auto insurance review.
- Multi-Car Savings: Save more by insuring several Kias or additional vehicles under a single policy.
- Broad Coverage Choices: Kia drivers can select from an array of protections, including collision and comprehensive coverage.
Cons
- Fewer Local Representatives: Kia owners looking for in-person service may have fewer Geico agents in their area.
- Steep Rate Increases Post-Accidents: Kia drivers could see significant premium hikes after being at fault in accidents.
#2 – Amica: Best for Customer Service
Pros
- A+ Rating with A.M. Best: Kia policyholders can rely on Amica’s strong financial security. See if Amica has affordable policies near you in our guide: Amica insurance review & ratings.
- Policyholder Dividends: Kia owners might receive a refund at the end of their policy term through Amica’s dividend plans.
- Comprehensive Roadside Assistance: Amica offers a wide range of roadside services, keeping Kia drivers protected while on the road.
Cons
- Less Comprehensive Online Tools: Amica’s digital offerings may not be as robust as competitors for Kia owners seeking mobile convenience.
- Limited Availability: Kia drivers in certain states may not have access to Amica’s coverage options.
#3 – American Family: Best for Loyalty Loyalty Discounts
Pros
- Loyalty Discounts: Kia drivers who stay with AmFam can earn progressively better discounts over time. Learn more in our article titled, “What types of insurance coverage does American Family offer?“
- Flexible Payment Options: American Family offers various payment plans, allowing Kia owners to manage their finances more easily.
- Extensive Coverage: American Family offers options like gap insurance and accident forgiveness, making it a great choice for Kia drivers.
Cons
- Limited Discount Stacking: Kia owners may not be able to combine multiple discounts as easily.
- Customer Service Variability: While generally reliable, American Family’s customer service may not consistently meet the high standards of top competitors.
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#4 – Liberty Mutual: Best for Multi-Policy Discounts
Pros
- Included Roadside Assistance: Liberty Mutual offers comprehensive roadside services for Kia drivers at no additional cost.
- Safety Feature Discounts: Kia models with advanced safety technology can qualify for reduced premiums. Find insights in our guide: Liberty Mutual auto insurance review.
- Lifetime Repair Assurance: Repairs conducted at Liberty Mutual-approved shops for Kia vehicles are guaranteed for as long as the driver owns the car.
Cons
- Higher Base Premiums: Starting at $136, Liberty Mutual’s rates for Kia owners are higher than some other companies.
- Complex Claims Processing: Some Kia drivers have reported that Liberty Mutual’s claims process can be lengthier compared to competitors.
#5 – Allstate: Best for UBI Discounts
Pros
- Usage-Based Insurance (UBI) Program: Allstate’s Drivewise rewards Kia drivers for safe driving habits with discounts on premiums.
- Safe Driving Bonuses: Kia owners earn additional discounts for reaching safe driving milestones. Check out policy options and monthly rates in our detailed analysis: Allstate insurance review and ratings.
- New Car Replacement Coverage: Kia drivers with newer vehicles enjoy full coverage replacement if their car is totaled.
Cons
- Discount Limitations: Kia drivers may find it difficult to combine multiple discounts for maximum savings.
- Drivewise App Issues: Some Kia drivers report difficulties with Allstate’s UBI app, affecting driving behavior tracking.
#6 – Progressive: Best for Loyalty Rewards
Pros
- Loyalty Benefits: Progressive offers Kia owners increasing savings the longer they remain with the company. See if Progressive has affordable rates near you in our guide: Progressive insurance review.
- Snapshot Program: Kia drivers can earn reductions by participating in Progressive’s telematics program, which monitors driving behavior.
- User-Friendly Digital Tools: Progressive’s app makes it easy for Kia drivers to handle their policy and claims on the go.
Cons
- Inaccuracies in Snapshot Tracking: Some Kia drivers have experienced discrepancies with data accuracy in the Snapshot program.
- Longer Claim Wait Times: Kia owners may encounter delays in having claims processed compared to other providers.
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#7 – Travelers: Best for Safe-Driving Discounts
Pros
- Clean Driving Discounts: Travelers rewards Kia drivers with pristine driving records through significant rate reductions.
- Green Vehicle Savings: Kia drivers with hybrid or electric vehicles qualify for extra discounts. Learn more in our detailed analysis titled, “How can I pay my Travelers insurance premium?”
- Automatic Payment Savings: Setting up auto-pay options brings additional savings for Kia owners.
Cons
- Limited Discount Variety: Kia drivers may find fewer ways to reduce their premiums compared to other insurers.
- Simpler Mobile Features: Travelers’ mobile app lacks the comprehensive functionality available from other providers, making it less practical for Kia owners.
#8 – Farmers: Best for Industry Experience
Pros
- Customizable Coverage: Farmers allows Kia owners to tailor their policies to fit their specific needs, ensuring optimal protection.
- Accident Forgiveness Option: Farmers shields Kia owners from rate hikes following their first accident. Discover affordable high-risk auto insurance options in our Farmers insurance review & ratings.
- Incentives for Safe Driving: Kia drivers can benefit from rewards and discounts for maintaining a clean driving record.
Cons
- Costlier Premiums: With a starting rate of $153 per month, Farmers’ premiums may be too high for some Kia drivers.
- Limited Digital Options: Farmers’ app and online tools aren’t as robust or user-friendly compared to other insurers, making it less convenient for Kia owners.
#9 – The Hartford: Best for Tailored Policies
Pros
- Customizable Insurance Plans: The Hartford allows Kia drivers to personalize their coverage based on individual needs and preferences. Read more in our article titled, “Does The Hartford offer enhanced rental car coverage?“
- Exclusive AARP Discounts: Kia drivers who are AARP members can take advantage of unique discounts available only through The Hartford.
- Lifetime Repair Assurance: The Hartford guarantees that repairs for Kia vehicles at approved shops are covered for as long as the owner keeps the car.
Cons
- Restricted Availability: The Hartford may not offer coverage to Kia drivers in every state, limiting options for some.
- Fewer Discounts for Young Drivers: Kia owners with younger family members may find fewer savings opportunities with The Hartford compared to other insurers.
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#10 – State Farm: Best for Teen Discounts
Pros
- Teen Discounts: State Farm offers excellent savings for Kia drivers who have teenage drivers on their policy. Get more info in our detailed guide: State Farm insurance review & ratings.
- Savings for Multiple Vehicles: Kia owners insuring more than one car can access discounts through State Farm’s multi-car options.
- Drive Safe & Save Program: Kia owners can lower their premiums through State Farm’s telematics program, which rewards safe driving habits.
Cons
- Higher Starting Premiums: At $158 per month, State Farm’s premiums are higher compared to other options for Kia drivers.
- Mixed Telematics Results: Some Kia drivers have reported inconsistencies with the Drive Safe & Save program’s tracking, affecting potential savings.
Comparing Kia Car Insurance Premiums by Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $141 | $251 |
| $134 | $236 |
| $125 | $227 |
| $153 | $268 |
| $120 | $210 |
| $136 | $242 |
| $144 | $231 |
| $158 | $248 |
| $157 | $263 |
| $152 | $270 |
Basic insurance meets legal standards but provides limited protection, whereas Kia comprehensive coverage includes both collision and full protection, covering more substantial risks. For budget-friendly Kia auto insurance, companies like Geico, with liability coverage at $120 and comprehensive at $210, are strong contenders.
Car Insurance Discounts From the Top Providers for Kia| Insurance Company | Available Discounts |
|---|---|
| Multi-Car Discount, Anti-Theft Discount, Good Student Discount, Safe Driver Discount |
| Safe Driver Discount, New Car Discount, Good Student Discount, Multi-Policy Discount |
| Good Student Discount, Defensive Driving Discount, Safe Driver Discount, Multi-Car Discount |
| Safe Driver Discount, Multi-Policy Discount, Good Student Discount, Defensive Driving Discount |
| Anti-Theft Discount, Multi-Car Discount, Safe Driver Discount, Good Student Discount |
| Safe Driver Discount, Multi-Car Discount, New Car Discount, Anti-Theft Discount |
| Safe Driver Discount, Defensive Driving Discount, Good Student Discount, Multi-Car Discount |
| Good Student Discount, Multi-Policy Discount, Safe Driver Discount, Defensive Driving Discount |
| New Car Discount, Safe Driver Discount, Anti-Theft Discount, Multi-Car Discount |
| Defensive Driving Discount, Safe Driver Discount, Good Student Discount, Multi-Car Discount |
Other providers such as Amica and American Family also deliver competitive Kia insurance alternatives, with comprehensive coverage between $227 and $268, helping Kia owners balance cost and security effectively.
Understanding the Elements that Determine Kia Insurance Costs
The price of insuring a Kia is shaped by a variety of factors, each playing a pivotal role in calculating premiums. The make and age of the car are key, as newer Kia models equipped with modern safety technologies tend to lead to reduced rates, while older vehicles with higher repair expenses may drive up insurance costs.
The driver’s age and level of experience also have a considerable impact; younger and less seasoned Kia drivers often face steeper premiums due to being considered a greater risk. Location matters too—Kia owners residing in areas with elevated crime rates or congested roads may encounter higher costs due to the increased chance of accidents or theft.
Furthermore, maintaining a spotless driving record can help decrease insurance rates, while prior violations or crashes can cause them to rise. The coverage type selected is crucial as well, with full protection options like collision and comprehensive usually leading to higher monthly costs compared to minimal liability coverage.
More time on the road increases the risk of accidents and raises premiums for Kia drivers. In a company car accident, costs may also rise due to liability. Additionally, lower credit scores can signal higher financial risk, further impacting premiums. Understanding these factors helps Kia drivers select policies that reduce insurance costs.
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Effective Strategies to Reduce Kia Car Insurance Expenses
Kia drivers aiming to cut down on their insurance costs can adopt a range of practical approaches. Increasing deductibles is a powerful method to reduce monthly premiums, as it shifts more financial responsibility to the driver in case of a claim. Additionally, combining multiple policies, such as home and auto insurance, can lead to substantial savings through a multi-policy insurance discount.
Keeping a spotless driving record remains crucial, as insurers tend to offer better rates to drivers with no history of accidents. Installing security systems and advanced safety technologies on Kia vehicles can also help drivers qualify for additional discounts.
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Lastly, shopping around and comparing different insurance quotes allows Kia owners to discover the most competitive pricing tailored to their needs.
Techniques to Minimize Kia Insurance Costs
Adopting targeted strategies can greatly decrease insurance expenses for Kia owners. Drivers can increase their deductibles, bundle multiple policies for savings, maintain an accident-free driving history, and install safety systems to unlock discounts. Additionally, comparing quotes from various providers can help secure the most cost-effective insurance plan without sacrificing coverage.
Case Studies: Top Kia Car Insurance for Value and Comprehensive Coverage
When it comes to insuring your Kia, finding the right balance between cost-effective premiums and comprehensive coverage is essential. Choosing an insurance provider that offers not only affordable rates but also reliable customer support can make a significant difference in both everyday driving and unexpected incidents.
The following case studies showcase how top providers like Geico, Amica, and American Family help Kia drivers achieve this balance through tailored insurance solutions.
- Case Study #1 – Budget-Friendly Coverage With Geico: Sarah needed dependable insurance for her new Kia while keeping her monthly payments manageable. Geico offered her comprehensive coverage at an affordable price, ensuring her policy is fully paid up while staying within budget without sacrificing important protections.
- Case Study #2 – Outstanding Support From Amica: After a minor fender-bender with his Kia, Mark reached out to Amica for claims assistance. Amica’s quick response and helpful staff made the entire claims process seamless, and his claim was handled efficiently with minimal delays.
- Case Study #3 – Long-Term Savings With American Family: As a loyal Kia driver, Jenna had been insured with American Family for several years. Upon renewing her policy, she was thrilled to discover that her loyalty discounts had significantly lowered her premium costs.
These case studies highlight the critical role that the right insurance provider plays in protecting Kia drivers from financial strain and ensuring a smooth claims process.
Whether it’s through affordable premiums, responsive customer support, or loyalty rewards, Geico, Amica, and American Family demonstrate why they are top choices for Kia owners. Making the right decision on insurance means more than just savings—it ensures peace of mind on the road.
Choosing the Right Insurance for Your Kia
Choosing the right car insurance for your Kia is a critical decision that impacts both your budget and your peace of mind. Geico, Amica, and American Family offer standout options, catering to drivers looking for affordability, exceptional service, or long-term rewards.
As top car insurance companies for comprehensive coverage, these providers deliver not only financial protection but also peace of mind. Whether you prioritize low premiums, seamless claim support, or discounts for loyal customers, these companies ensure you receive the comprehensive coverage you need.
For those driving luxury vehicles like a Kia, finding specialized insurance is equally important. By comparing multiple car insurance quotes online, readers can easily locate the cheapest Kia insurance options available in their area, ensuring they receive the best value for their high-end cars without compromising on coverage. Find cheap car insurance quotes by entering your ZIP code below.
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Frequently Asked Questions
Where is the cheapest place to insure a Kia?
Geico is typically the cheapest place to insure a Kia, with rates starting around $120 per month.
Is Kia car insurance expensive?
Kia car insurance is generally affordable, with lower premiums compared to luxury or sports vehicles, depending on the model and driver profile.
Why is insurance for Kia so high?
Kia insurance can be higher due to factors like the driver’s age, location, driving history, or if the vehicle lacks advanced safety features.
Get more details in our comprehensive guide titled, “Average Auto Insurance Rates by Age and Gender.”
Who is known for cheapest Kia car insurance?
Geico is widely recognized for offering the cheapest Kia car insurance, with competitive rates for both minimum and full coverage.
Who is cheaper for Kia insurance, Geico or Progressive?
Geico tends to offer cheaper rates for Kia insurance compared to Progressive, often providing lower monthly premiums.
Your car insurance rates will likely increase after an at-fault accident, but you can find your cheapest coverage option by using our free quote comparison tool below today.
Is Allstate cheaper than Geico for Kia insurance?
No, Geico is usually cheaper than Allstate for Kia insurance, offering more affordable coverage options.
Access comprehensive insights into our guide titled, “Can I bundle my Allstate car insurance with other policies?”
Who is most expensive car insurance for Kia?
State Farm and The Hartford are often among the most expensive providers for Kia car insurance.
What is the least amount of car insurance coverage for Kia?
The least amount of coverage for a Kia is usually state-required minimum liability insurance, which only covers damages to other parties.
Which is best for car insurance, Toyota or Kia?
Both Toyota and Kia offer similar insurance rates, but Kias tend to have slightly lower premiums depending on the model.
Check out insurance savings in our complete article titled, “Best Toyota Car Insurance Discounts.”
What color is the most expensive to insure for Kia?
Car color does not affect Kia insurance rates, as insurers focus on factors like model, driver history, and location.
What age is Kia car insurance the lowest?
Kia car insurance is typically lowest for drivers between the ages of 35 and 50 with clean driving records.
Find the best comprehensive car insurance quotes by entering your ZIP code below into our free comparison tool today.
What is the cheapest Kia car insurance for under 25?
Geico generally offers the cheapest Kia car insurance for drivers under 25, with competitive rates and good student discounts.
Explore more coverage options in our article titled, “Cheap Car Insurance for 25-Year-Old Drivers.”
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Mary Martin
Published Legal Expert
Mary Martin has been a legal writer and editor for over 20 years, responsible for ensuring that content is straightforward, correct, and helpful for the consumer. In addition, she worked on writing monthly newsletter columns for media, lawyers, and consumers. Ms. Martin also has experience with internal staff and HR operations. Mary was employed for almost 30 years by the nationwide legal publi...
Published Legal Expert
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.