Kia Car Insurance Cost & Quotes Comparison

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Things to Know About Insuring Kia Vehicles

Summary

  • Kia began as a manufacturer of bicycles in Korea near the end of the Second World War.
  • The company built motorcycles and cars for the Korean market under license from other manufacturers during its early days.
  • Occupant protection rates average to below average for most Kia models.
  • Collision claims rate average or better than average for most models.
  • Comprehensive claims follow a similar pattern.

Aiding the affordability of Kia vehicles is low-cost car insurance. With all the options and providers in the Ontario market, it can be a confusing task. Ratelab removes the guesswork, providing you with a quick and easy way to identify your car insurance needs. Then Ratelab shops your policy with over 40 insurance industry partners for the best price. All of this takes less than 15 minutes, providing you with up to 10 low-cost estimates, ideally matched to your needs. It’s not only the best way to find the right insurance, it’s the easiest. Start now by entering your home postal code in the box at the top of the page. Your savings could surprise you.

How Much Does Car Insurance Cost For Kia

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

CityAverage KIA Car Insurance Cost*
Quebec City$606
Longueuil$620
Gatineau$837
Montreal$879
Ottawa$911
Laval$958
Kitchener$1,004
Halifax$1,101
Calgary$1,143
London$1,144
Windsor$1,167
Hamilton$1,212
Edmonton$1,242
Richmond Hill$1,325
Markham$1,325
Toronto$1,336
Mississauga$1,521
Brampton$1,710
Vaughan$1,831

Methodology: We surveyed Kia car insurance prices in select Canadian cities for the purpose of illustrating the average quotes for a male driver aged 35 years in city downtown with owned Kia CADENZA 4DR 2015 model car.

Please note that car insurance prices depend on many factors including your age, location, driving history and more. So, to get a customized quote, enter your postal code above.

Kia Model Factors that Lower Auto Insurance Costs

For affordability, a car model should protect its occupants well, be inexpensive to repair after incidents and have no performance characteristics that invite aggressive driving. The current Kia lineup offers good potential for a few of these factors.

The Insurance Bureau of Canada tracks insurance claims data after incidents from across the country. Comparing models against national averages permits insurance companies to assign risk values based on actual data. When it comes to collisions, Kia models compare well. The less it costs to repair a vehicle after the collision, the less risk an insurance company extends through a policy. This means lower insurance premiums for that car.

Kia Spectra and Rio models star in this category. The 2002 and 2003 models cost less than 40 percent of the national average for repair claims after collisions, according to IBC data. In fact, all Kia cars have model years that place under 80 percent, the dividing line between low cost and average claim rates. There is no pattern, matching models to cost performance. Some years, claims costs fall into the average range for most models too.

While most Kia models place in the average or better than average range, there are a few that cost more than average. While a good performer in other years, Kia Sportage models after 2010 creep up into the over average range. This holds true with the Forte and Optima line as well.

Comprehensive claims follow a similar pattern with more vehicles landing in the better than average category. This performance means that comprehensive and collision endorsements on an auto policy are affordable compared with other cars in similar classes.

Green Vehicle Discounts

The Optima and Soul models from Kia have hybrid and electric vehicle versions, respectively. Some insurance companies offer discounts for green vehicles. This could help offset the higher initial cost of these models with lower insurance rates.

Kia Model Factors that Increase Auto Insurance Costs

Kia vehicles don’t do as well at protecting their occupants. In particular, the Kia Rio and Spectra have more accidents that result in personal injury claims than average. No Kia model shows a trend for good occupant protection. Most models fall within the average range. IBC data for accident benefits compares the frequency of claims for each vehicle against the national average. Since costs aren’t included for this category, there’s no way to gauge severity of injury. While most models score average in this category, look for more expensive costs to insure Rio and Spectra models.

The Kia Forte line includes a two door coupe along with four-door hatchback and sedan styles. Coupe models tend to be sporty, with engines rated for higher performance, and usually insurance companies charge more to cover a coupe model over sedan counterparts. There’s nothing in the Forte coupe’s history to change that tendency. Only the 2010 version comes in at 108 percent of national average for collision. All other models ranked place in the more expensive range for both collision and comprehensive claims costs.

Known Issues with Kia Vehicles

Kia vehicles may be involved in the Takata airbag recall. North American owners can check their status through the SaferCar.gov site.

  • Kia Forte models from 2013 have a front seatbelt problem.
  • 2014 Kia Fortes have a cooling fan issue that may cause an increased fire risk.
  • Sedona models from 2006 to 2012 have a suspension corrosion issue.
  • 2006 to 2014 Sedonas have a hood latch problem.
  • The Kia Sorento model from 2011 to 2013 has a rollaway risk due to a part that may chip or crack under excess force.
  • 2016 Sorento models require new accelerator pedal assemblies.
  • The 2014 Sorento has a rollaway risk due to a front axle problem.
  • Kia Soul and Soul EV models from 2014 and 2015 have an accelerator system issue.
  • 2014 Kia Sportage crossovers have a label showing incorrect tire pressure.
  • Kia Rio and Cadenza models have no outstanding recalls at the time of publication.

Tips for Finding the Lowest Kia Car Insurance Rates

As an economy vehicle, Kia models have good car insurance performance, but everyone could pay less in the high-priced Ontario market.

Many motorists don’t take a look at the particular features of their auto insurance policy. These deserve a look each year, if not more often. Sometimes unused features rise in cost, reducing the value of coverage. For example, some drivers include non-owned vehicle coverage. This is a smart move when someone rents cars frequently. Avoiding collision waivers at the rental agency makes renting much more affordable. However, if a driver’s situation changes, paying for that coverage no longer makes sense.

The various features of auto insurance includes sections called endorsements and also known as riders. Non-owned vehicle coverage is an example of such an endorsement. A driver can add or drop these elements as necessary. In fact, under Ontario rules, a driver can adjust their policy at any time to suit changing needs. Keeping endorsements current is one way to assure the best coverage at the best price.

Kia In Depth

Kia is South Korea’s oldest car manufacturer. Starting as a steel producer in the 1940s, it has grown into one of the largest car manufacturers in the world. Now part of the Hyundai Motor Company, Kia has expanded into becoming a major presence all over the world.

Popular Kia Models

Kia Cars: Optima, Cadenza, Rio5-door, Forte, Soul, Forte 5, Rio, K900
Kia Utility Vehicles: Rondo, Sorento, Sportage, Kia Minivan, Sedona

In Canada, the Kia Rio and the Kia Soul enjoy immense popularity and consistently rank among the 20 best-selling cars in the country. Kia’s models are especially appealing to the younger demographic.

All Kia Models

Kia Amanti
Kia Borrego
Kia Cadenza
Kia Forte
Kia K900
Kia Optima
Kia Optima Hybrid
Kia Rio
Kia Rio5
Kia Rondo
Kia Sedona
Kia Sorento
Kia Soul
Kia Spectra
Kia Spectra5
Kia Sportage

Safety Of Kia Cars

Kia’s safety features include all of the standard equipment in mid and entry-level car ranges. They are safe cars that have all the safety features expected in modern vehicles. Kia’s safety features include driver and passenger front and side airbags, rear head airbags, ABS and braking assistance, stability and traction control, and child safety locks.

Safety Rating Of Kia Vehicles

Kia’s models have received a 5-star overall safety rating from the National Highway Traffic Safety Administration. They have also received a”good” rating from the Insurance Institute for Highway Safety.

Cost of Replacing Kia Parts

Kia has stocked a large supply of replacement parts in Canada. Most parts needed for common repairs are easy to find. They also are among the cheapest to maintain and buy parts for.

Damage Susceptibility

As part of the Hyundai group, Kia has benefited from their parent company’s expertise in terms of reliability. Combined with their own innovations, new Kias are considered very reliable vehicles. Kia models are among the most reliable cars in their market segments.

Likelihood of Theft

Kia offers a Kia Protect Anti-Theft package to help improve your car’s safety. This package provides clearly visible warning labels and pre-registered numbers in body panels throughout the entire car. This simple feature is used to deter thieves and make stealing a Kia less attractive. This is a standard safety package that most car manufacturers offer and is based on the principle that visible protection is key to deter a thief.

References

  1. Kia Canada
  2. Takata Airbag Recall Information
  3. com: Kia Recalls
  4. IBC: How Cars Measure Up
  5. Ontario Auto Insurance Consumers’ Bill of Rights

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