Compare Canada’s cheapest Kia car insurance rates
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- Insuring your Kia vehicle in Canada
- How much is it to insure a Kia vehicle for a young driver?
- How much is it to insure a Kia for an experienced driver?
- Which Kia model is the cheapest to insure?
- How much can a traffic ticket or an accident raise your insurance?
- How to get cheaper car insurance for your Kia
- Should you buy or lease your Kia?
- Which Kia model is considered safest?
- Protecting your car with Kia Protect
Insuring your Kia vehicle in Canada
Kia has cultivated a reputation for excellent value and warranty coverage. Consumer Reports has placed it in the seventh spot for its overall 2025 rankings. It ranks highly in categories like New Car Reliability and Road Tests, all of which contribute (or should contribute) to lower premiums for its cars.
Below, you'll find out how various factors could impact insurance premiums for your Kia vehicle.
How much is it to insure a Kia vehicle for a young driver
If you're a young driver, you’ve probably noticed that insurance costs can be sky-high. It’s a common struggle, regardless of the vehicle brand you drive (though it can contribute to higher costs).
Here are some of the factors to consider:
Experience (and age): Insurance companies consider young drivers more likely to make mistakes on the road due to their inexperience. Given that Kia cars tend to rank high in safety ratings, they are generally a safer and cheaper choice for young drivers, as far as insurance is concerned.
Model-specific impacts: The type of car you drive plays a big role in how much you pay for insurance. If you're driving a car like the Kia Stinger, a sporty and powerful model, you're seen as a higher risk (it doesn't help that such cars attract younger, more aggressive drivers in the first place). On the flip side, a safer, less flashy car like a Kia Rio might cost less to insure because it's seen as less risky.
High repair costs: If you're involved in an accident, repairing certain cars can be more expensive. With certain models like the Kia Telluride, which is a higher-end SUV, insurance companies know that repairing or replacing parts for it will cost more than, say, a compact car, like a Rio or Forte.
Where you live: If you live in a dense urban area with lots of traffic, you're likelier to suffer an accident. Same goes if the location also happens to have high theft rates, which dense urban areas often do. In addition, it so happens that young drivers are more likely to live in such areas, which further increases their rates.
There are still ways to save, though, and still get the coverage you need.
Age | Insurance cost range |
|---|---|
18 | $6,191 - $10,680 |
19 | $5,119 - $8,028 |
20 | $4,815 - $6,804 |
21 | $4,590 - $5,412 |
22 | $4,219 - $4,764 |
23 | $3,936 - $4,303 |
24 | $3,815 - $4,043 |
25 | $3,935 - $8,223 |
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How much is it to insure a Kia vehicle for an experienced driver
Even for experienced Kia drivers, insurance costs can vary based on several factors:
Experience (and age): Middle-aged drivers usually get the best rates, but premiums may rise for seniors due to slower reaction times or medical concerns.
Kia model: Affordable models like the Kia Forte or Rio cost less to insure, while high-performance or luxury models like the Kia Stinger or Telluride have higher rates due to expensive repairs and greater risk.
Driving history: A clean record lowers premiums, while recent accidents or violations increase costs.
How often you drive: Frequent long drives raise premiums, while low-mileage drivers may get discounts.
Where you live: Living in high-traffic or high-theft areas, especially with a Kia Sportage or Forte, can increase rates, while rural drivers often pay less.
Safety features: Newer Kia models like the Sorento and EV6 with advanced safety tech can qualify for discounts.
Even experienced drivers can save by mitigating certain factors that affect your insurance rates.
Age | Insurance cost range |
|---|---|
30 | $2,061 - $3,111 |
35 | $1,931 - $2,731 |
40 | $1,892 - $2,577 |
45 | $1,830 - $2,483 |
50 | $1,812 - $2,376 |
55 | $1,748 - $2,216 |
60 | $1,719 - $2,132 |
65 | $1,710 - $2,023 |
Methodology
The table above outlines the average cost of car insurance in Toronto for a female G-licensed policyholder driving a 2023 KIA SOUL LX 5DR. Using our rate calculator, we calculated average auto insurance premiums by age, assuming the driver has a clean driving record. All ranges and averages presented represent the three lowest quotes offered. The insurance policies used for comparison include $1,000,000 in coverage, along with a $1,000 deductible for both collision insurance and comprehensive insurance.
It’s important to note that these quoted rates are specific to this driver profile. You are more likely to find rates at the lower end of the provided range by comparing quotes from different providers and selecting the one that offers the best value for your needs.
Disclaimer
Auto insurance rates are influenced by a variety of factors, including (but not limited to) your postal code, driving history, the specific make and model of the vehicle, additional safety features, whether you attended driving school, and more. This means the premiums for individuals with different circumstances may vary significantly from the rates shown here. Always compare personalized quotes to ensure you're getting the best coverage at the best price.
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Which Kia model is the cheapest to insure?
The Kia Seltos shines as one of the most affordable models to insure, making it a standout option for budget-conscious drivers.
Here are the biggest reasons why:
Safety features: Kia Seltos packs an impressive lineup of safety technologies—from forward-collision avoidance assistance and lane-keeping assist to driver attention warning and blind-spot collision-avoidance. Insurers love vehicles with extensive safety measures, as they lower the risk of claims, resulting in lower premiums for you.
Reliability: Kia has established itself as a brand known for dependable vehicles, and the Seltos is no exception. With its sturdy build and well-engineered components, this SUV won’t leave you worrying about frequent breakdowns. Reliability matters to insurers, as it equals fewer claims and lower risks.
Repair costs and parts availability: Kia Seltos features widely available parts, meaning repairs won’t break the bank. Additionally, Kia’s vehicles are known for straightforward maintenance. When an SUV is affordable to repair, insurance companies see it as less expensive to cover, which can result in more wallet-friendly premiums for drivers.
Performance and risk levels: The Seltos offers balanced, predictable performance geared toward everyday commutes and weekend adventures. While it’s capable and efficient, it’s not designed for high-speed thrills or risky driving. This sensible performance profile helps make it a lower-risk vehicle for insurers, allowing for competitive rates.
Driver profile and intended use: Compact SUVs like the Seltos are usually used for practical daily needs, such as commuting, errands and road trips, not reckless or high-risk activities. This reduces the likelihood of claims, leading to insurance savings.
Vehicle | Insurance cost range |
|---|---|
Kia Seltos | $2,492 - $2,746 |
Kia Soul | $2,658 - $3,031 |
Kia Niro | $2,885 - $3,038 |
Kia Sorento | $2,992 - $3,312 |
Kia Telluride | $3,265 - $3,744 |
Kia Forte | $3,375 - $3,894 |
Kia Sportage | $3,389 - $6,837 |
Kia Stinger | $4,391 - $4,525 |
Methodology
The table above presents insurance cost ranges for some of the most popular 2023 Kia models, calculated specifically for a Toronto-based, G-licensed, 35-year-old female driver. Using our rate calculator, we determined these costs by comparing the three cheapest quotes available for each model. This driver profile assumes a clean driving record and standard coverage, which includes $1,000,000 in liability coverage as well as a $1,000 deductible for both collision and comprehensive insurance.
By focusing on the most affordable quotes from various providers, the ranges provide a clear picture of what drivers with similar profiles can expect to pay. Selecting quotes from the lower end of the range can help you secure the best value for your insurance policy while still providing adequate coverage.
Disclaimer
Insurance premiums depend on many variables, such as your driving history, the vehicle's make and model, additional safety features, your postal code, and more. The rates shown here are specific to the outlined driver profile and may differ from costs for individuals with different circumstances or coverage needs. Always compare personalized quotes across providers to ensure you find the best rates and coverage tailored to your situation.
How much can a traffic ticket or accident raise your insurance?
A Kia, such as the Sportage or Forte, is a practical choice, but getting a traffic ticket or being involved in an accident can still make your insurance rates climb. For example, a speeding or parking ticket may not seem like a big deal, but insurers might view it as a pattern of risky habits.
Here are some of the possible changes you might see in insurance rates, based on major convictions and at-fault accidents:
Age | Major convictions | At-fault accidents | Insurance cost range |
|---|---|---|---|
30 | None | None | $2,061 - $3,120 |
None | 1 | $4,621 - $5,220 | |
1 | None | $5,113 - $6,646 | |
1 | 1 | $13,138 - $16,904 | |
35 | None | None | $1,931 - $2,731 |
None | 1 | $4,305 - $5,040 | |
1 | None | $4,952 - $5,736 | |
1 | 1 | $12,723 - $15,741 | |
40 | None | None | $1,892 - $2,577 |
None | 1 | $4,244 - $4,968 | |
1 | None | $4,048 - $5,316 | |
1 | 1 | $12,538 - $15,741 | |
45 | None | None | $1,830 - $2,483 |
None | 1 | $4,084 - $4,980 | |
1 | None | $3,522 - $5,340 | |
1 | 1 | $12,493 - $15,741 | |
50 | None | None | $1,812 - $2,376 |
None | 1 | $4,122 - $4,836 | |
1 | None | $3,289 - $5,196 | |
1 | 1 | $12,439 - $15,152 | |
55 | None | None | $1,748 - $2,216 |
None | 1 | $3,873 - $4,265 | |
1 | None | $3,164 - $4,500 | |
1 | 1 | $11,959 - $14,540 | |
60 | None | None | $1,719 - $2,132 |
None | 1 | $3,739 - $4,122 | |
1 | None | $3,110 - $4,392 | |
1 | 1 | $11,521 - $14,251 | |
65 | None | None | $1,710 - $2,023 |
None | 1 | $3,569 - $4,026 | |
1 | None | $3,088 - $4,176 | |
1 | 1 | $11,233 - $14,162 |
Methodology
The table provides a comparison of average car insurance premiums in Toronto for a female G-licensed driver operating a 2023 KIA SOUL LX 5DR. The analysis includes two driving profiles: one for drivers with clean records, meaning no major convictions or at-fault accidents, and another for drivers with one at-fault accident, one major conviction, or both. Using a rate calculator, we determined the average premiums across different age groups by selecting the three lowest quotes from leading insurance providers. The insurance coverage considered includes $1,000,000 in liability coverage and a $1,000 deductible for both collision and comprehensive insurance. For drivers with at-fault accidents or convictions, premiums were adjusted based on the additional risk weighted by insurers, leading to higher quotes for that group.
Disclaimer
It is important to note that the rates listed are specific to this driver and vehicle profile and may vary significantly based on individual circumstances. Factors such as postal code, claims history, specific vehicle features, and even completion of a recognized driving school course can influence premiums. To ensure the best value, it is essential to obtain personalized quotes from multiple providers, as rates and coverage offerings can differ substantially depending on how each insurer evaluates risk. Comparing quotes allows drivers to find the most suitable and cost-effective insurance for their unique needs.
How to get cheaper car insurance for your Kia
If you drive a Kia, there are easy ways to bring down your insurance costs. For instance, bundling multiple policies with the same provider can lead to discounts. Or, you might choose a telematics program that tracks your driving and rewards safe habits. A driving course is another way to get a better rate. Be sure to explore your options to make the most of these opportunities.
Here are some ways you can get cheaper car insurance
Bundling policies
Bundling your auto and home insurance—or combining other policies like tenant or condo insurance—can significantly reduce your premiums. Insurance companies appreciate customer loyalty and often reward it with discounts. Savings can reach up to 20% or more. By taking advantage of this, you not only simplify your insurance management but also save a chunk of change.
Multi-vehicle discount
If your household has more than one car, insuring them under the same policy can lead to big savings. This is because insurers offer discounts (up to 15%) for placing multiple vehicles together under one account. It’s an easy win for families or households with multiple drivers, as it combines coverage while cutting costs.
Loyalty discounts
Insurance companies love loyal customers, and they often show it by reducing premiums for those who stick with them year after year. The longer you stay, the more you save—it can range from 5% after one year to as much as 10% for a decade of loyalty. If you’re happy with your insurer and their service, this discount is an excellent perk.
Higher deductibles
Choosing a higher deductible (the amount you pay out of pocket in a claim) can reduce your annual premiums by 5-10%. While the trade-off means you’d pay more in case of an accident, it’s a smart option for drivers who are confident in their safe-driving habits and want lower upfront costs.
Paying annually
Paying your entire premium in one annual payment instead of monthly installments can save you money by avoiding administrative or installment fees. While it requires a larger payment upfront, it’s a simple way to cut down on overall costs.
Telematics programs
Telematics are devices which can be added to you car or through a mobile app, which monitor your driving habits, such as speed, braking and mileage, rewarding safe drivers with lower premiums. They offer benefits like fairer rates for low-mileage drivers, personalized discounts and improved driving awareness. To maximize savings, you should focus on consistent safe driving, reduce high-risk night trips and choose a telematics program that best fits your needs.
Winter tires
Installing winter tires is not only smart for safely navigating Canada’s icy roads, but it can also reduce your premiums by 2%-5%. Some provinces, like Ontario, even require insurers to offer this discount. If you regularly switch to winter tires, make sure your insurer knows about it.
Anti-theft devices
Vehicles with anti-theft systems, like alarms or tracking devices, are less likely to be stolen, and insurers recognize this by offering discounts up to 15%. If your car doesn’t come with built-in anti-theft features, consider installing an aftermarket system to take advantage of this savings opportunity.
Should you buy or lease your Kia?
Kia’s vehicles stand out for their premium features, sleek styling, and affordability. If you rely on your car daily, whether it’s the sporty K5 or the roomy Telluride, owning a Kia lets you benefit from their award-winning reliability and excellent warranty. On the other hand, leasing might appeal to those wanting to sample new cutting-edge designs and upgrades, such as the EV6 or Sorento Hybrid, without a long-term commitment.
Here are some of the possible changes you might see in insurance for your Kia:
Leasing
Advantages:
- Latest models: Leasing a Kia often comes with lower monthly payments compared to buying one. Since you’re paying for the vehicle's depreciation during the lease period and not the full price, this can make it more budget-friendly.
- Lower costs: Monthly payments are often lower compared to buying, making it easier to budget for a reliable Kia like the Soul or Sportage.
- Less maintenance cost: Most lease terms align with the car’s warranty period. This means you’re often covered for major repairs or issues during your lease, which can save you money and reduce unexpected costs.
- Flexibility: With leasing, you’re not locked into owning a car long-term. Once your lease is up, you can switch to another Kia model or a different make entirely. This can be a great choice if your needs or preferences change over time.
Disadvantages:
- Mileage restrictions: Leasing comes with mileage restrictions, meaning you can only drive a certain number of miles per year. If you exceed that limit, you’ll have to pay extra fees. This might not be ideal if you often take long trips or have a long commute.
- No ownership: At the end of your lease, you don’t own the car. This means you won’t have a vehicle to trade in or sell. It’s more like renting, so if owning a car is important to you, leasing may not be the best option.
- Limited customization: When you lease a vehicle, modifications like new rims or exterior changes aren’t allowed. If customizing a car to fit your personal style is important, owning might be a better choice..
- Early termination fees: Ending a lease early could result in significant penalties.
Buying
Advantages:
- Full ownership: When you buy a Kia, it’s yours to keep. This means no restrictions on how much you can drive or what changes you want to make to the car. For example, you can customize it to fit your personal preferences without worrying about breaking lease rules
- No mileage limits: One advantage of buying a Kia is the absence of mileage caps. Notably, models such as the Telluride, which earned recognition as Canada’s Best Large Utility Vehicle in 2023, are suited for extended drives or adventurous outings, allowing unlimited use without added charges.
- Personalization: You can modify your Kia to match your style, whether it’s upgrading the interior or adding accessories.
- Long-term savings: Over time, buying a car instead of leasing can save you money. Once your loan is paid off, you’ll own the car and won’t have monthly payments, which can be a big financial relief.
- Resale value: Some Kia models, such as the Telluride, are excellent at maintaining their value when reselling or trading in. With a retention rate of around 78% after three years, well above the industry average of 60%, this model remains a favorite in the pre-owned market thanks to its exceptional design and modern features..
Disadvantages:
- Higher upfront costs: Loans for buying a car usually come with higher monthly payments compared to leasing. While you’re working toward ownership, it can feel like a bigger financial commitment upfront.
- Repair costs: Once your warranty expires, maintenance and repair costs will come out of pocket. As the car gets older, you might face more frequent repairs, which can be unpredictable.
- Less flexibility: Owning a car is a long-term commitment. If your needs change, like wanting a different model or switching to an electric vehicle, it could take more time and effort to sell your current car.
Which Kia model is considered safest?
The 2025 Kia Telluride stands out as a midsize SUV designed for top-tier safety and innovation. Earning high praise from the Insurance Institute for Highway Safety (IIHS), this 4-door SUV delivers peace of mind through its exceptional crash test ratings and advanced safety systems. For customers preferring an eco-friendly option with identical safety benefits, the fully electric 2025 Kia EV9 offers the same top-rated protection, making it an excellent choice for environmentally-conscious drivers.
Small overlap front test: This test replicates a crash where the vehicle’s front corner hits an object such as a pole. Both the Telluride and EV9 excel with their strong structures that absorb and manage impact forces, ensuring passengers are well-protected.
Moderate overlap front test (updated): Evaluates how effectively the vehicle shields passengers during a broader front-end crash. The Telluride and EV9 both earned top ratings, showcasing their durable designs and reliable safety measures.
Side impact test: Simulates a collision from the side, such as being struck by another vehicle. The reinforced structures and advanced side airbags in the Telluride and EV9 ensure excellent performance, earning both SUVs superior safety scores.
Complementing their crashworthiness, these Kia SUVs feature advanced crash avoidance and mitigation systems. Both vehicles include standard pedestrian detection, which uses sensors to identify people on the road and apply automatic braking when needed. High-rated headlights boost nighttime visibility, while the LATCH system makes child seat installation easy and secure. Seat belt reminders further enhance passenger safety, ensuring everyone is buckled up during every drive. Whether customers choose the Telluride or the electric EV9, they’ll enjoy confidence in safety and protection for every ride.
Category | Evaluation criteria | Rating |
|---|---|---|
Crashworthiness | Small overlap front | G |
Moderate overlap front: updated test | G | |
Side: updated test | G | |
Crash avoidance & mitigation | Headlights | G |
Front crash prevention: pedestrian (Standard system) | G | |
Seat belts & child restraints | Seat belt reminders | G |
LATCH ease of use | G | |
Other available safety features
| ||
Source: The Insurance Institute for Highway Safety
Protecting your car with Kia Protect
In addition to insurance, you can protect your car with Kia Protect, a comprehensive suite of vehicle protection plans Kia offers to owners.
These plans include:
Extended Protection
This lets you protect your Kia from unexpected repair expenses, which may occur as the car ages.
Extended Protection 5 Star Plus
This is a combination of two plans—Extend Protection and Service Advantage—which means that it will protect your Kia vehicle from unexpected repairs and cover the first few years of maintenance intervals.
Service Advantage
This is a prepaid maintenance program that allows you to choose how many service intervals you would like to have and how often you’d like to use them.
Appearance Protection
This one will help protect your Kia’s appearance from wear and tear, ensuring it looks as good as new.
Anti-Theft
This is a thief deterred system meant to discourage would-be thieves from stealing your Kia. It increases the odds of vehicle recovery and may reduce the cost of buying a replacement car.
Excess Wear and Use
This protection plan is meant to help you avoid excessive bills in the event of heavy wear and tear when returning your leased Kia vehicle.
Loan Protection
Should you fall victim to an unforeseen life event that prevents you from paying off the loan on your Kia, this will help you meet your financial obligations.
Vehicle Loss Privilege Program
This program makes you eligible for a fixed in-store loyalty credit towards a replacement car in the event of a total loss.
