Who is KIA?
KIA started in 1944 in South Korea, making bicycles and motorcycles before becoming a global car manufacturer. Known for innovation and quality, KIA entered the automotive industry in the 70s and quickly went international.
With models like the KIA Sportage, a compact SUV perfect for families with plenty of space and tech features, and the KIA Ceed, a sleek hatchback for urban driving, KIA has something for everyone. KIA’s commitment to eco-friendly options makes it a top choice for green driving and one of the most popular brands on UK roads today.
How Much Does a KIA Cost to Insure?
Much like other car manufacturers, the cost of your KIA insurance is determined by insurance providers based on a variety of factors they use to assess your level of risk. These variables include insurance groups, the type of cover you need, where you live, your age, and your annual mileage. In the table below, we've broken down the average cost KIA drivers can expect to pay to insure some of the most popular models like the Soul EV and the KIA Picanto.
| Model | Average Price |
|---|---|
| KIA Rio | £665 |
| KIA Ceed | £733 |
| KIA Sorento | £874 |
| KIA Niro | £685 |
| KIA Xceed | £662 |
| KIA Soul | £629 |
| KIA Picanto | £651 |
| KIA Venga | £700 |
| KIA Sedona | £677 |
| KIA Sportage | £702 |
How Can I Get Cheaper KIA Insurance?
Finding the best price for your KIA car insurance starts by comparing as many quotes as possible; however, there are some other techniques you can try to bring the overall cost of your premiums down. Consider the following:
- Consider a telematics policy: Opting for a telematics policy can lower your premiums and is particularly popular among younger drivers. The black box device monitors your driving habits, and the data collected can help lower your premiums, as long as you can prove you are a safe driver.
- Choose a lower-risk car: KIAs with smaller engines will be in lower insurance groups and cheaper to insure. If you want to cut costs, avoid high-spec models such as the KIA EV6 (groups 34–42) and opt for a more modest model such as the KIA Picanto (groups 2-10).
- Limit your mileage: The lower your mileage, the lower your risk. If you want to find cheaper KIA car insurance, then drive less! Those who drive more are seen as higher risk due to the increased likelihood of an accident or a claim.
- Consider a driving course: Some providers view drivers with advanced driving course certifications as lower risk, often offering them reduced premiums. However, this isn't always the case, which is why comparing quotes is important.
- Opt out of policy extras: Every driver's personal circumstances are different, and not everyone benefits from policy extras such as windscreen damage protection, breakdown cover, courtesy car or lost key protection. Opting out of these extras can save you money on your car insurance.
What Factors Influence the Cost of KIA Car Insurance?
Car insurance premiums are calculated by providers using a range of factors, generating quotes tailored to your specific circumstances. These factors include:
- Your driving record: Drivers with a clean driving record will always receive cheaper quotes than others who have driving convictions, points on their license, or traffic violations. Any offences on your record will classify you as a higher risk, leading to increased premiums.
- Where you live: Insurance providers tend to view drivers who live in densely populated urban areas as more at risk of accidents, damage to their vehicles, and theft, applying higher premiums as a result. Drivers who live in more rural areas are deemed lower risk, and may be offered lower premiums.
- Your no-claims: The longer you can go without making a claim, the better. Drivers who have a long history of no-claims will be rewarded with lower premiums by insurance providers.
- How you pay: Drivers who pay for their car insurance monthly will usually pay more than drivers who opt to pay their policy in full. This is due to additional fees, including administrative costs and interest.
- Type of vehicle: Larger family SUVs like the KIA Sorento (groups 32-36) will always pay more for their insurance compared to smaller, less powerful vehicles like the KIA Ceed (groups 8–16). This is because larger, newer vehicles come with higher repair costs and are more likely to be in an accident or be stolen.
- Usage type: If you're using your KIA for business purposes and are on the road a lot more as a result, then it typically costs more to insure your car than someone who uses their KIA for leisure.