Thomas Sirsla
Insurance Expert
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Kia Motors is the second largest car manufacturer in its home country of South Korea. IN recent years it has been producing around 3 million vehicles annually. Kia has a wide product line that encompasses sedans, SUVs and hybrids. Its top selling models include the Forte, Optima and Soul. Kia also makes an electric version of it distinctive, boxy Soul. Kia has garnered awards from J.D. Power and Kelley Blue Book, among others, for reliability and customer value, especially its Telluride SUV model. Kia owners can expect a comfortable, well engineered ride no matter which model they choose.
Kia actually exists in a partnership arrangement with Hyundai and, together, they are the 3rd largest auto manufacturer in the world. Kia has realized steady market share growth in United States and operates a manufacturing plant in Georgia and markets itself extensively through the sports world around the globe.
Insurance costs for a KIA will usually fall in line with the U.S. average for full coverage. Full coverage is defined as adding collision and comprehensive insurance to the liability coverage that is mandated by virtually every state. It makes sense to buy as much financial protection as you can afford for your new KIA. Some Kia models will cost more to insure than others. Insurance costs will frequently rise in relation to the MSRP of your vehicle, so the premiums for a K900 will often be about $500 per year than, say, a Soul. In addition to the make and model of your car, insurers will take your personal factors into account when pricing your policy. Having a clean driving safety record will almost always get you preferred rates. Vehicle owners in their teens and twenties are seen as a higher risk by insurers so you will pay a bit more for your Kia insurance if you are in this demographic and rural or suburban Kia owners will typically pay less than urban drivers
Model | Insurance rate (monthly) | Base car price |
Cadenza | $220 | $31,990 |
Forte | $180 | $16,600 |
K900 | $221 | $49,900 |
Optima | $180 | $22,200 |
Rio | $187 | $14,165 |
Sedona | $191 | $26,900 |
Sorento | $165 | $25,600 |
Soul | $177 | $16,100 |
Soul Ev | $174 | $32,250 |
Sportage | $175 | $23,200 |
Insurance rates for the exact same Kia model can differ by hundreds of dollars per year which is why we always urge car owners to shop around before you settle on a carrier. Some large companies like Progressive and Nationwide can offer competitive prices for Kia’s but there are bargains to be had with smaller companies also. If you are a current or former member of the armed forces check out USAA who caters to that market segment. Regional insurers like Allied and Tennessee Farmers can often meet or beat the big boys, so shop around.
KIA typically offers new car buyers in the United States a generous 5 year, 60,000 roadside assistance program as part of your purchase of your vehicle. This is among the most generous programs among automakers. The program covers the typical roadside assistance events: flat tires, dead battery, lockout, and emergency fuel delivery. Check your agreement for full details.
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