Best Car Insurance Companies for Kias (2024)

If you’re shopping for the best KIA car insurance quotes in your area, you may have several options to choose from. Many different companies will likely offer you car insurance for your KIA. However, to find the best KIA insurance, you’ll need to do some research.

Before shopping for KIA car insurance, you need to know what coverage you’re looking for. Some KIA drivers will choose a minimum coverage policy that meets their state’s coverage requirements, while others will choose higher levels of coverage, like a full coverage policy.

Once you know what kind of car insurance you want, you can shop online and compare KIA insurance rates from several companies. When you compare car insurance quotes from multiple insurance companies, you’ll get a better idea of which company offers the coverage you want at a price that works with your budget. 

The Types of KIA Car Insurance

Finding insurance for a KIA shouldn’t be too difficult, but you may feel overwhelmed choosing the type of coverage you want for your vehicle. The type of coverage you need depends on where you live. Each state has its own laws concerning car insurance, and you must meet your state’s coverage requirements before you can legally drive your KIA.

Most states require drivers to carry liability insurance, including: 

• Property damage liability: Property damage liability covers you if you cause an accident and damage someone’s vehicle or other personal property. 
• Bodily injury liability: Bodily injury liability car insurance companies cover you if you cause an accident and one or more people are injured. 

If you live in a state that requires higher levels of property damage and bodily injury liability, you’ll likely pay more for coverage. In addition, some states require drivers to carry more coverage, like:

• Personal injury protection (PIP): Personal injury protection car insurance companies help with medical bills, lost wages, and funeral costs associated with a covered accident.
• Medical payments (MedPay): MedPay car insurance companies help with medical bills like visits to the doctor and hospital stays. 
• Uninsured/underinsured motorist coverage: If another driver causes an accident but does not carry proper insurance, uninsured/underinsured motorist care insurance companies allow your insurance company to pay for the damage someone else caused to your vehicle.

You may want to invest even if your state doesn’t require PIP, MedPay, or uninsured/underinsured motorist coverage. These coverages protect you if you’re in an accident or cause an accident and must file a car insurance claim with your insurance company. 

Full Coverage Car Insurance for a KIA

If you can afford additional coverage on your KIA, you should consider purchasing a full coverage policy. A standard liability-only car insurance policy does not help with repairs to your vehicle. However, a full coverage policy will help even if you cause an accident.

Full coverage car insurance includes your state’s minimum coverage requirements, plus:

• Collision insurance: Collision car insurance companies pay for damage to your vehicle if you cause an accident. Collision will cover your KIA up to its actual cash value (ACV).
• Comprehensive insurance: Comprehensive car insurance pays if theft, vandalism, wild animals, or inclement weather damage your KIA. 

Full coverage may not be worth the investment if your KIA is older and has a relatively low ACV. Still, if you drive a new or expensive KIA, or your vehicle has a loan or lease, you should purchase full coverage so you aren’t financially responsible if someone or something damages your car. 

Understanding KIA Car Insurance Rates

There are many factors that affect car insurance rates such as:

• Age
• Gender
• Marital status
• ZIP code
• Driving history
• Credit score
• Car make and model
• Coverage type

Some KIA models will cost more to insure than others, especially newer ones. Because of this, car insurance for a KIA Picanto may cost more than average, while KIA Stinger insurance costs may be much lower. Unfortunately, you’ll never know how much you’ll pay for car insurance for your KIA until you find and compare quotes from different companies.

Comparing quotes is a great way to learn which companies in your area offer the best KIA car insurance coverage rates. If you don’t compare quotes, you could overpay for coverage. 

Ways to Save Money on Your KIA Car Insurance Rates

Depending on your car insurance company, you may be eligible for car insurance discounts on your KIA car insurance. Most companies offer discounts for policyholders that help them save money on monthly or annual rates. Some of the most common discounts for KIA drivers include:

• Good student
• Defensive driver
• Paid-in-full
• Multi-policy
• Multi-vehicle
• Loyalty
• Affiliation
• Military
• New car
• Safety features

Speak with a representative from any company you’re considering if you qualify for one or more discounts to learn how much you could save on coverage. Discounts can help you save 25% or more on your KIA car insurance coverage. 

Choosing the Best Insurance Company for a KIA

Choosing the best insurance is easy if you’ve done your homework. Of course, you want to know how much the coverage will be, but it’s also important to research each company’s customer ratings and financial strength.

If you’re seriously considering a particular insurance company, research the company online to learn what past and current customers have to say. Also, learn more about the company’s customer service department and the process of handling claims. As you do, you’ll better understand whether the company will be a good fit. 

Additionally, it would help if you researched the financial strength of each company before deciding on coverage. If an insurance company has an excellent financial strength rating, it can pay for damages if you ever need to file a car insurance claim. 

Exploring KIA Car Insurance Affordability

You should be able to find car insurance for your KIA fairly easily, but you need to know exactly what you’re looking for before you get started.

If you have an older KIA that’s not worth much, meeting your state’s minimum coverage requirements may be fine. Still, if your KIA is newer or has a loan or lease, you’ll need full coverage to ensure you don’t have to pay for future vehicle repairs out of pocket. 

Compare quotes from several insurance companies to determine which offers the best option. Don’t hesitate to ask about discounts to save money on your monthly or annual rates.