10 Best Car Insurance Companies for Kias in 2025 (See the Top Providers Here)

Top Pick for Kias: State Farm

17,760 reviews

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4.1

Table of Contents

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Company Facts

Full Coverage for Kias

$105/mo

A.M. Best Rating

B

Complaint Level

Low

Pros & Cons

• One of the largest insurance companies in the US
• High levels of customer satisfaction
• Affordable rates for people with a speeding ticket or an accident on their record
• Wide variety of discounts available
• Rideshare insurance

• High rates for drivers with poor credit scores
• No gap coverage
• Options like new vehicle replacement, vanishing deductibles, and accident forgiveness are not available

» State Farm Car Insurance Review

17,760 reviews

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Best Rates for Kias: Progressive

13,128 reviews

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4.1

Company Facts

Full Coverage for Kias

$102/mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

• Competitive Rates
• Wide Range of Coverage Options
• Bundling Discounts

• Customer Service
• Claims Process
• Rate Increases

» Progressive Car Insurance Review

13,128 reviews

Compare Rates →

State Farm, Geico, and Progressive are the best car insurance companies for Kia drivers. Geico has the lowest rates at $98 per month, State Farm delivers great service at $104 per month, and Progressive offers flexible coverage at $110 per month. Each company provides solid protection and discounts. Whether you want the cheapest rate or the best overall value, these three stand out.

They all provide reliable service, great discounts, and coverage that fits your budget. Whether you want low rates or more protection, there’s a plan that works for you.

Our Top 10 Company Picks: Best Car Insurance Companies for Kias

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	17%	B	Local Agent	State Farm
	#2	25%	A++	Affordable Policy	Geico
	#3	10%	A+	Competitive Rates	Progressive
	#4	25%	A+	Accident Forgiveness	Allstate
	#5	20%	A	Customizable Policies	Farmers
	#6	20%	A+	Vanishing Deductible	Nationwide
	#7	25%	A	Mobile-Friendly Management	Liberty Mutual
	#8	13%	A++	Bundling Discount	Travelers
	#9	30%	A+	Dividend Payments	Amica
	#10	15%	A	Online Tools	Safeco

It provides a quick look at each company’s strengths, helping you find the right balance of cost and protection. Whether you’re after the lowest rates or the most comprehensive coverage, this table makes it easy to compare your options.

Let’s discuss some options you might like to consider, and then we’ll see how much you should expect to pay for the best Kias car insurance policies. Enter your ZIP code to begin comparing quotes.

#1 – State Farm: Top Overall Pick

Pros

• Personalized Service: State Farm offers personalized service, letting Kias owners customize coverage with local agents.
• Competitive Bundling Discounts: You can save with State Farm’s 10% bundling discount when combining multiple policies.
• Wide Network of Agents: State Farm is highly accessible with an extensive network of agents nationwide, and Kias owners can easily find in-person assistance.

Cons

• Higher Rates for High-Risk Drivers: State Farm may have higher premiums for Kias drivers with a history of accidents or violations. Learn more in our State Farm insurance review.
• Limited Online Tools: State Farm’s online tools and mobile app may lack advanced features, which could be a drawback for tech-savvy drivers.

#2 – Geico: Best for Coverage Options

Pros

• Affordable Coverage: Geico offers budget-friendly insurance that fits owners’ needs without breaking the bank.
• Easy-to-Use App: Geico’s simple, user-friendly app makes managing your policy and filing claims easy.
• Plenty of Discounts: According to our Geico insurance review, Kia car owners can save with discounts.

Cons

• There is not much in-person support. Geico focuses on online services, so owners who prefer face-to-face help might find their local agent options limited.
• Higher Rates for Risky Drivers: Geico’s coverage rates might be higher if you have accidents or violations on your record.

#3 – Progressive: Affordable and Flexible Coverage

Pros

• Big Savings with Bundling: Progressive offers excellent discounts when you bundle your policy with other coverage, helping you save more.
• Snapshot Rewards Safe Driving: Progressive Snapshot program tailors rates based on your driving habits, which can lead to lower premiums.
• 24/7 Online Convenience: You can efficiently manage your policy with round-the-clock access to claims and policy details online.

Cons

• Potential Rate Increases: According to Progressive insurance reviews, some drivers notice their premiums increase after the first term, even with a good driving record.
• Fewer Local Agents: Progressive focuses more on online services, which might not be ideal if you prefer in-person support.

#4 – Allstate: Best for Deductible Rewards

Pros

• Extra Coverage Options: Allstate offers add-ons like rental car coverage and roadside help, perfect for Kia owners who want more peace of mind.
• Financially Reliable: With a solid A+ rating, Allstate is a trustworthy choice that delivers on claims when needed.
• Bundling Perks: You can save money by bundling your Kias insurance with home or renters coverage and get a nice discount.

Cons

• Higher Premiums for Some Drivers: Allstate may have higher premiums for drivers with less-than-perfect records, which could be a downside for some Kias owners.
• Mixed Customer Service Reviews: As stated in our Allstate, some customers have reported inconsistent service, which might be frustrating during the claim process.

#5 – Farmers: Best for Safety Discounts

Pros

• Great Safety Discounts: Farmers offers nice savings for Kias owners with advanced safety features, helping you keep costs down.
• Coverage That Fits: Whether you need basic or full coverage, Farmers has options that work for your Kias.
• A-Rated Financial Strength: Farmers A rating from A.M. Best highlights its reliability, ensuring efficient and fair claims handling, as demonstrated in our Farmers insurance review.

Cons

• Fewer Local Agents: Farmers don’t have as many nearby agents, which can be a hassle if you like handling things in person.
• Higher Costs for Newer Models: Farmers may charge higher premiums for insuring newer Kias models, potentially affecting budget-conscious customers.

#6 – Nationwide: Comprehensive and Flexible Options

Pros

• Vanishing Deductible Program: Nationwide’s vanishing deductible program allows Kias owners to lower their deductibles over time for safe driving.
• A+ Financial Rating: Nationwide’s A+ rating from A.M. Best indicates solid financial stability, ensuring reliable claim handling. Read more in our Nationwide insurance review.
• Excellent Customer Support: Nationwide might charge higher premiums for drivers with a poor driving history, which could be a downside for those with higher risk profiles.

Cons

• Higher Rates for Riskier Drivers: If your driving history is poor, you might face higher premiums. It’s worth considering if you’ve had some incidents in the past.
• Limited Coverage in Some Areas: Nationwide’s coverage isn’t available everywhere, so it could be challenging for some Kias owners, depending on where they live.

#7 – Liberty Mutual: Custom Policies & Great Discounts

Pros

• Great Multi-Policy Discounts: Bundle your auto and home insurance with Liberty Mutual and save 8%. It’s an easy way to cut costs while maintaining coverage.
• Flexible Coverage Options: Liberty Mutual lets you customize your policy, making it a perfect fit for Kias drivers. Get the coverage you need to stay protected.
• Accident Forgiveness: With Liberty Mutual, your rates won’t go up after your first accident—thanks to their accident forgiveness program. Stress-free and hassle-free!

Cons

• Higher Premiums for Add-Ons: Liberty Mutual may charge higher premiums for additional coverage options, which can increase overall costs for some drivers.
• Mixed Customer Satisfaction: Liberty Mutual has received mixed reviews, particularly about claims handling. Our Liberty Mutual insurance review provides further information.

#8 – Travelers: Strong Reputation

Pros

• Great Bundling Discounts: Travelers get a 9% discount when they bundle, so Kia owners can save on auto and home insurance.
• Flexible Coverage Options: Travelers lets you customize your insurance, making it easy for Kias owners to get the coverage they need
• Generous Accident Forgiveness: Their accident forgiveness program prevents rate hikes after a first accident. Our Travelers Insurance Review covers this in more detail.

Cons

• Limited Local Agents: Travelers have fewer local agents, which might be inconvenient for those preferring face-to-face service.
• Potentially Higher Rates for Certain Models: Travelers may charge more to insure some Kias models, affecting cost-effectiveness.

#9 – Amica: Exceptional Customer Satisfaction

Pros

• Great Bundling Discounts: Amica offers solid savings when you bundle auto, home, and life insurance so Kias owners can save on both.
• Customizable Coverage: Amica lets you personalize your coverage, so you only pay for what fits your needs
• Top-Notch Customer Service: Amica’s responsive support makes the claims process easy and stress-free for Kias owners.

Cons

• Fewer Local Agents: Amica has fewer agents in some areas, which could be a hassle if you like in-person help.
• Higher Premiums for Some Cars: If you drive a specific Kia model, you might face higher premiums, which can add up over time.

#10 – Safeco: Affordable Coverage with Solid Support

Pros

• Great Bundling Discounts: Safeco helps you save when you bundle your auto and home insurance. Learn more in this Safeco auto insurance review.
• Customizable Coverage: You can tweak your Kias full coverage car insurance to fit your needs, giving you more control.
• Friendly Customer Support: Safeco’s customer service is quick, helpful, and easy to reach when you need assistance.

Cons

• Fewer Local Agents: If you like in-person support, you may not find it in certain areas.
• Higher Premiums for Some Models: Some Kias cars may cost more to insure, so you could pay higher premiums.

Exploring Kia Insurance Rates & Coverage Options

Looking for the best insurance for your Kia? We’ve got you covered! Check out top providers’ monthly rates and coverage options to find what works best. Consider Travelers and Progressive car insurance for comprehensive coverage.

Kias Car Insurance Monthly Rates by Provider & Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$50	$125
	$45	$112
	$46	$120
	$40	$102
	$55	$140
	$48	$123
	$44	$108
	$49	$118
	$42	$105
	$47	$117

Now that you’ve got the breakdown, it’s easier than ever to pick a plan that suits your needs and budget. Drive with peace of mind, knowing you’re covered the right way.

Picking the right coverage is easy when you have the facts. Choose a plan that works for you, and enjoy worry-free driving with your Kia!

Best KIA Car Insurance Discounts Available

Are you looking to lower your KIA car insurance costs? Many top providers offer exclusive discounts that can help you save big. Whether it’s safe driver perks or bundling options. The good news is that many top providers offer discounts to help you cut costs. The key is finding the right one for you.

Take advantage of these KIA expert car insurance discounts today and enjoy better coverage at a lower price. Compare offers to see how much you can save!

Car Insurance Discounts From the Top Providers for Kias

Insurance Company	Available Discounts
	Allstate Rewards, New Car Discount, Safe Driver Discount, Multi-Policy Discount, Anti-Theft Discount.
	Legacy Discount, Multi-Policy Discount, Safe Driver Discount, Loyalty Discount, Paid-in-Full Discount.
	Signal Discount, New Car Replacement Discount, Safe Driver Discount, Multi-Vehicle Discount, Bundling Discount.
	Safe Driver Discount, Multi-Vehicle Discount, Anti-Theft Discount, Good Student Discount, Military Discount.
	RightTrack Discount, Hybrid/Electric Car Discount, Multi-Policy Discount, Good Student Discount, Anti-Theft Discount.
	SmartRide Discount, Anti-Theft Discount, Multi-Vehicle Discount, Accident-Free Discount, Bundling Discount.
	Snapshot Discount, Multi-Policy Discount, Pay-in-Full Discount, Safe Driver Discount, Online Quote Discount.
	RightTrack Discount, Accident-Free Discount, Teen Safety Discount, Multi-Vehicle Discount, Bundling Discount.
	Drive Safe & Save, Multi-Vehicle Discount, Good Student Discount, Vehicle Safety Discount, Bundling Discount.
	IntelliDrive Discount, New Car Discount, Multi-Vehicle Discount, Good Student Discount, Anti-Theft Discount.

Don’t miss out on these KIA insurance discounts! Snag a great deal today and get the coverage you need without overspending.

State Farm is one of the biggest insurance companies in the U.S. They offer all kinds of coverage, like home, life, and car insurance. People know them for their friendly service and plenty of discount options. You’ve probably heard their slogan, “Like a good neighbor, State Farm is there.” They focus on being helpful and easy to work with.

Choosing the Best Insurance Company for a KIA

Picking the right insurance company for your KIA can help you get the best coverage at a price that fits your budget.
Of course, you want to know the coverage amount, but it’s also essential to research each company’s customer ratings and financial strength.

Before choosing a policy, checking the company’s financial strength is a good idea. A strong rating means the company can cover costs if you ever need to file a claim.

Motorist coverage can be helpful if you’re ever hit by someone without enough insurance. Without it, you might pay out of pocket for damages or injuries. It’s a thoughtful add-on if you want extra peace of mind on the road.

Exploring KIA Car Insurance Affordability

Want to keep your KIA car insurance affordable? The key is to shop around and compare car insurance providers. Your driving history and the model of your KIA can impact your premium, so knowing what matters can help you find a better deal.

Also, watch for discounts or bundle deals that could save you some cash. A bit of research goes a long way in finding coverage that fits your budget and still keeps you protected.

If you’re concerned that your current insurer doesn’t have you covered, do yourself a favor and look for the best Kias car insurance quotes. Enter your ZIP code to begin comparing insurance quotes from various providers.