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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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 Policy for Kias: Geico

19,116 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
• 24/7 Customer Service
• Fast Claims Process

• Limited Local Agents
• No Custom Coverage
• Rate Increases

» Geico Car Insurance Review

19,116 reviews

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Best Rates for Kias: Progressive

13,128 reviews

Compare Rates →

4.1

Company Facts

Full Coverage for Kias

$108/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 →

Looking for the best car insurance companies for your Kia? State Farm offers the best rates, providing solid coverage without breaking the bank. GEICO keeps things affordable with easy-to-use online tools, while Progressive offers flexible options to fit your needs. Whether you want low rates or more coverage, there’s a plan that works for you.

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: Best for Personalized Service

Pros

• Personalized Service: State Farm offers personalized service, letting Mitsubishi 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: With an extensive network of agents nationwide, State Farm is highly accessible, and Mitsubishi owners can easily find in-person assistance.

Cons

• Higher Rates for High-Risk Drivers: State Farm may have higher premiums for Mitsubishi 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: Managing your _ policy and filing claims is a breeze with GEICO’s simple, user-friendly app.
• Plenty of Discounts: GEICO helps _ owners save with discounts that add up quickly.

Cons

• Not Much In-Person Support: GEICO focuses on online services, so _ owners who prefer face-to-face help might find local agent options limited.
• Higher Rates for Risky Drivers: If you have accidents or violations on your record, GEICO’s rates for _ coverage might be higher.

#3 – Progressive: Affordable and Flexible Coverage Options

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: Their Snapshot program tailors _ rates based on your driving habits, which can lead to lower premiums.
• 24/7 Online Convenience: Progressive makes managing your _ policy easy with round-the-clock access to claims and policy details online.

Cons

• Potential Rate Increases: 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: Top Overall Pick

Pros

• Extra Coverage Options: Allstate has add-ons like rental car coverage and roadside help—perfect for Mitsubishi owners who want additional peace of mind.
• Financially Reliable: With a solid A+ rating, Allstate is a trustworthy choice that delivers on claims when needed.
• Bundling Perks: Save money by bundling your Mitsubishi 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 Mitsubishi owners.
• Mixed Customer Service Reviews: As stated in our Allstate insurance review, 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 Mitsubishi 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 Mitsubishi.
• 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 Mitsubishi models, potentially affecting budget-conscious customers.

#6 – Nationwide: Comprehensive Coverage with Flexible Options

Pros

• Vanishing Deductible Program: Nationwide’s vanishing deductible program allows Mitsubishi 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 has a few bumps, 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 Mitsubishi 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 keeping your coverage in check.
• Flexible Coverage Options: Liberty Mutual lets you customize your policy, making it a perfect fit for Mitsubishi 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. Gain further insight with our Liberty Mutual insurance review.

#8 – Travelers: Strong Reputation with Tailored Solutions

Pros

• Great Bundling Discounts: Travelers get a 9% discount when they bundle so that Mitsubishi owners can save on auto and home insurance.
• Flexible Coverage Options: Travelers lets you customize your insurance, making it easy for Mitsubishi owners to get the coverage they need.
• Generous Accident Forgiveness: Their accident forgiveness program prevents rate hikes after a first accident. Our article, “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 Mitsubishi models, affecting cost-effectiveness.

#9 – Amica: Exceptional Customer Satisfaction and Claims Service

Pros

• Great Bundling Discounts: Amica offers solid savings when you bundle auto and home insurance, so Mitsubishi 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 Mitsubishi 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’re driving a specific Mitsubishi model, you might face higher premiums, which can add up over time.

#9 – Safeco: Affordable Coverage with Solid Support

Pros

• Great Bundling Discounts: Safeco helps you save when you bundle your Mitsubishi auto and home insurance.
• Customizable Coverage: You can tweak your Mitsubishi coverage 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, Safeco might be a bit trickier to work with in some areas.
• Higher Premiums for Some Models: Some Mitsubishi cars may cost more to insure, so you could end up paying 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 for you.

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!

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.

You may have several options if you’re shopping for the best KIA car insurance quotes in your area. 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.