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Things to Know About Insuring Kia Vehicles

Kia is a popular automotive brand in Canada, and if you’re thinking about buying a Kia, it’s important to understand how insurance works for these vehicles. Here are some things to know about insuring Kia vehicles in Canada:

  1. Insurance costs for Kia vehicles: The cost of insuring a Kia vehicle can vary depending on a number of factors, including the model, the year, and the driver’s age, driving history, and location. In general, Kia vehicles are considered affordable to insure compared to many other brands.
  2. Factors that affect insurance costs: Some factors that can affect the cost of insurance for a Kia vehicle include the car’s safety rating, its likelihood of theft, and the cost of repairs. Additionally, drivers with a history of accidents or traffic violations may face higher insurance costs.
  3. Insurance coverage options: When insuring a Kia vehicle, drivers have a variety of coverage options available, such as liability coverage, collision coverage, and comprehensive coverage. It’s important to choose a policy that meets your specific needs and budget.
  4. Discounts: Many insurance companies offer discounts for drivers who take steps to reduce their risk, such as completing a defensive driving course or installing an anti-theft device on their vehicle. Be sure to ask your insurance provider about any discounts that may be available to you.
  5. Shop around: To find the best insurance rates for your Kia vehicle, it’s important to shop around and compare quotes from multiple insurance providers. Be sure to review the policy details carefully to ensure that you’re getting the coverage you need.

Do Kia Vehicles Cost More to Insure than Other Brands?

The cost of insurance for Kia vehicles varies depending on several factors such as the model, the driver’s age, driving history, location, and insurance provider. In general, Kia vehicles are not considered to be significantly more expensive to insure than other brands. However, some models may be more expensive to insure than others due to factors such as their safety rating, repair costs, and likelihood of theft. It’s always a good idea to shop around for insurance quotes to find the best rates for your specific situation.

The Average Cost of Kia Car Insurance in Canada?

Kia suv

The average cost of Kia car insurance in Canada varies by province, driving record, and other individual factors. The average annual cost of car insurance for a Kia in Canada is about $1,751.

Here is the average cost of Kia car insurance in Canada by province:

  • Alberta: $1,233
  • Ontario: $1,954
  • Quebec: $747
  • New Brunswick: $1,048
  • Nova Scotia: $1,197
  • Prince Edward Island: $882

The table below shows the Kia car insurance cost for a sample driver.

CityAverage KIA Car Insurance Cost*
Quebec City$606
Richmond Hill$1,325

Kia Model Factors that Lower Auto Insurance Costs

kia stinger

There are several factors related to Kia vehicles that may help lower auto insurance costs:

  1. Safety features: Kia vehicles are equipped with various safety features such as airbags, anti-lock brakes, electronic stability control, and backup cameras. These features may help reduce the risk of accidents and injuries, which can lead to lower insurance premiums.
  2. Anti-theft features: Many Kia models are equipped with advanced anti-theft features such as alarm systems, engine immobilizers, and keyless entry systems. These features may make it more difficult for thieves to steal the vehicle, which can lead to lower insurance premiums.
  3. Driver assistance technology: Some Kia models come with advanced driver assistance technology such as forward collision warning, lane departure warning, and automatic emergency braking. These features may help reduce the risk of accidents and injuries, which can lead to lower insurance premiums.
  4. Fuel efficiency: Kia offers several models that are known for their fuel efficiency. Cars that use less gas typically cost less to insure because they are less expensive to repair or replace.
  5. Model type: Some Kia models are considered to be more affordable to insure than others. For example, the Kia Forte and the Kia Soul are generally less expensive to insure than the Kia Sorento or the Kia Stinger.

Kia Model Factors that Increase Auto Insurance Costs

Kia interior

There are several factors related to Kia models that could increase auto insurance costs in Canada. Some of these factors include:

  1. Higher MSRP: Kia models with a higher manufacturer’s suggested retail price (MSRP) will generally cost more to insure since the cost of repairing or replacing the vehicle in the event of a claim will be higher.
  2. More expensive features: If a Kia model has more expensive features like a turbocharged engine, it could be more expensive to insure.
  3. Safety features: Kia models with advanced safety features like lane departure warning, forward collision warning, and automatic emergency braking may be cheaper to insure since they are less likely to be involved in an accident.
  4. Higher risk of theft: Some Kia models may be more likely to be stolen, which could result in higher insurance premiums.
  5. Expensive repairs: If a Kia model is known for having expensive or difficult-to-repair parts, it could be more expensive to insure.
  6. Higher accident rate: If a particular Kia model has a higher accident rate than other vehicles, it may be more expensive to insure.
  7. Higher horsepower: Kia models with higher horsepower may be more expensive to insure since they are more likely to be driven aggressively.
  8. Younger drivers: If a Kia model is popular among younger drivers who are statistically more likely to be involved in accidents, it could result in higher insurance premiums.

Tips for Finding Cheap Kia Car Insurance Rates

Here are some tips for finding cheap Kia car insurance rates in Canada:

  1. Compare insurance rates: The easiest way to find the cheapest Kia car insurance rates is to compare quotes from different insurance providers. You can use online comparison websites or work with a licensed insurance broker to get multiple quotes.
  2. Choose a higher deductible: A deductible is the amount of money you pay out of pocket before your insurance kicks in. Choosing a higher deductible can lower your monthly premium.
  3. Ask about discounts: Many insurance companies offer discounts for things like having a clean driving record, being a safe driver, bundling insurance policies, and having certain safety features on your car.
  4. Drive a safe car: Kia has a reputation for making safe vehicles, and insurance companies take this into consideration when setting rates. If you drive a Kia with good safety ratings, you may be eligible for lower insurance rates.
  5. Avoid tickets and accidents: Your driving record is a major factor in determining your car insurance rates. By driving safely and avoiding tickets and accidents, you can keep your rates low.
  6. Consider usage-based insurance: Some insurance companies offer usage-based insurance programs, which use telematics devices to monitor your driving habits. If you drive responsibly, you could be rewarded with lower rates.
  7. Pay annually: Paying your insurance premium annually instead of monthly can save you money in the long run.
  8. Keep your credit score in good shape: Insurance companies often use credit scores to help determine rates. By maintaining a good credit score, you can keep your rates low.

Some Interesting Facts About Kia:

Sure, here are some interesting facts about Kia:

  1. Kia was founded in 1944 in South Korea and initially started as a manufacturer of bicycle parts and steel tubing.
  2. The name “Kia” is derived from two Korean words, “ki” which means “to arise or come up out of” and “a” which means “Asia”.
  3. In 1998, Kia Motors America was established in the United States, and in 2010, the company opened its first North American manufacturing plant in West Point, Georgia.
  4. Kia is part of the Hyundai Motor Group and shares many platforms and components with its sister brand.
  5. In 2016, Kia was ranked first among all non-premium brands in J.D. Power’s Initial Quality Study, which measures problems experienced by vehicle owners during the first 90 days of ownership.
  6. Kia offers a variety of electric and hybrid vehicles, including the Kia Niro EV and the Kia Sorento Hybrid.
  7. Kia is known for its industry-leading warranty, which covers all of its vehicles for 10 years or 100,000 miles, whichever comes first.
  8. The Kia Stinger sports sedan has won numerous awards, including the 2019 Canadian Car of the Year.
  9. Kia is the official automotive partner of the NBA and has also partnered with the Australian Open and FIFA.
  10. Kia’s “Telluride Time” commercial featuring the 2020 Kia Telluride won the “Best Super Bowl Commercial” award in the 2019 USA Today Ad Meter.

All Kia Models

Here is a list of Kia models available in Canada as of 2023:

  • Kia Forte
  • Kia Rio
  • Kia Optima
  • Kia Stinger
  • Kia K5
  • Kia Cadenza
  • Kia Soul
  • Kia Niro
  • Kia Sportage
  • Kia Seltos
  • Kia Telluride
  • Kia Sedona

It’s worth noting that the availability of specific models may vary depending on the dealership and location in Canada.

What is the Average Maintenance Cost of a Kia in Canada?

The average maintenance cost of a Kia in Canada can vary based on factors such as the age of the vehicle, the specific model, and the province or territory. The average annual maintenance cost for a Kia in Canada is around $476 CAD. This includes the cost of scheduled maintenance tasks such as oil changes, tire rotations, and brake pad replacements, as well as any unexpected repairs that may arise. Keep in mind that this is an average estimate and actual costs may vary based on the factors mentioned above.

Known Issues With Kia Vehicles

Kia vehicles generally have a good reputation for reliability, but like all cars, they may experience issues from time to time. Some known issues with Kia vehicles include:

  1. Engine problems: Some Kia models have been known to experience engine problems, including stalling, misfiring, and oil leaks.
  2. Transmission problems: Certain Kia vehicles have had transmission issues, including premature wear, slipping gears, and difficulty shifting.
  3. Airbag and seat belt issues: Some Kia models have been recalled for airbag and seat belt problems, including faulty airbags that may not deploy in a crash and seat belts that may not properly restrain passengers.
  4. Electrical system problems: Certain Kia models have had electrical issues, including problems with the battery, alternator, and wiring.
  5. Brake problems: Some Kia models have experienced brake problems, including premature wear, brake noise, and vibration.

It’s important to note that these issues are not universal across all Kia models, and the company has generally been responsive in addressing any problems that arise. Additionally, regular maintenance and prompt repairs can help prevent issues from becoming more serious.

What is the Safety Rating of Kia?

The safety ratings of Kia vehicles can vary depending on the specific model and year. The National Highway Traffic Safety Administration (NHTSA) and the Insurance Institute for Highway Safety (IIHS) are two organizations that conduct safety tests on vehicles.

According to the IIHS, many Kia models have received high safety ratings. For example, the 2021 Kia Forte, Optima, and Soul were all named IIHS Top Safety Picks when equipped with certain features. Similarly, the 2021 Kia Sorento and Sportage both received the highest safety rating of “Good” in all crashworthiness tests conducted by the IIHS.

The NHTSA has also given many Kia vehicles high safety ratings. For example, the 2021 Kia K5 received an overall safety rating of five out of five stars, while the 2021 Kia Soul received an overall safety rating of four out of five stars.

Does Kia Get Stolen a Lot in Canada?

white kia

According to the Insurance Bureau of Canada’s list of the top 10 most stolen vehicles in Canada in 2020, Kia vehicles did not make the list. However, this does not mean that Kia vehicles are not stolen at all in Canada. It is always important to take precautions to prevent your vehicle from being stolen.

Is Kia Easy to Steal?

Kia vehicles come equipped with a range of security features to help deter theft, including electronic immobilizers and alarms, keyless entry systems, and more. Additionally, Kia has received recognition for its vehicle security, with several of its models being awarded the Insurance Institute for Highway Safety’s (IIHS) Top Safety Pick award, which takes into account both crash safety and theft prevention features.

List of Most Frequently Stolen Kia Vehicles in Canada

According to the Insurance Bureau of Canada (IBC), the following are the most frequently stolen Kia vehicles in Canada:

  1. 2018 Kia Soul
  2. 2015 Kia Sorento
  3. 2017 Kia Sorento
  4. 2014 Kia Sorento
  5. 2016 Kia Sorento
  6. 2019 Kia Sorento
  7. 2016 Kia Forte
  8. 2017 Kia Forte
  9. 2015 Kia Forte
  10. 2018 Kia Optima

Pros and Cons of Kia Vehicles

Here are some potential pros and cons of Kia vehicles:


  • Affordable prices: Kia cars tend to be priced competitively compared to other brands in the same segment.
  • Good warranty: Kia offers a 10-year/100,000-mile powertrain warranty, which is longer than many other automakers’ warranties.
  • Attractive designs: Many Kia models feature modern and stylish designs, which can be appealing to buyers.
  • Good fuel economy: Many Kia models offer good fuel economy ratings, which can help drivers save money on gas.
  • Good safety ratings: Many Kia models have received good safety ratings from organizations like the National Highway Traffic Safety Administration (NHTSA) and the Insurance Institute for Highway Safety (IIHS).


  • Reliability concerns: Some consumers have reported reliability issues with Kia vehicles, which can be frustrating and costly to address.
  • Limited performance options: Kia is not known for producing high-performance vehicles, so buyers looking for a car with a lot of power may need to look elsewhere.
  • Limited model options: While Kia offers several models, they do not have the extensive lineup of some other automakers.
  • Depreciation: Like many vehicles, Kia cars can experience significant depreciation over time, which can impact their resale value.
  • Higher insurance rates: Some Kia models may have higher insurance rates compared to other vehicles in the same class, which can add to the overall cost of ownership.

About the Author: Valerie D. Hahn

Valerie is an insurance editor, journalist, and business professional at RateLab. She has more than 15 years of experience in personal financial products. She strives to educate readers and ensure that they are properly protected.

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