Best Kia Spectra Auto Insurance Rates 2022
Auto insurance for the Kia Spectra will vary a lot, because it's based on personal factors like your driving habits, where you live, and how much you drive. The Kia Spectra has numerous safety features that can help reduce car insurance rates. To find the best deal on Kia Spectra auto insurance, it's best to compare multiple companies.
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Written by
D. Gilson, PhD
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Reviewed by
Leslie Kasperowicz
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UPDATED: Jun 17, 2022
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- Crash test ratings have an impact on Kia Spectra auto insurance rates
- Safety features of the Kia Spectra can earn you a car insurance discount
- The cost of insurance for a Kia Spectra depends on the trim level
If you’re looking to buy a Kia Spectra, you will want to know the details first. We’ve put together information on insurance for the Kia Spectra to help you get an idea of costs. We’ve also gathered other cost information, including how much a Kia Spectra will run you.
Read on to learn all about the Kia Spectra including MSRP, safety features and crash test ratings, and more. You’ll be able to buy your new Kia Spectra with confidence.
To see fast, free Kia Spectra insurance quotes right now, just enter your ZIP code above. We’ll provide you with personal Kia Spectra insurance rate from top companies right away.
Table of Contents
Are vehicles like the Kia Spectra expensive to insure?
Take a look at how insurance rates for similar models to the Kia Spectra look. These insurance rates for other sedans like the Honda Accord Hybrid, Chevrolet Impala Limited, and Cadillac Fleetwood give you a good idea of what to expect.
| Vehicle | Comprehensive | Collision | Liability | Total |
|---|---|---|---|---|
| Kia Optima | $322 | $532 | $420 | $1,454 |
| MINI Hardtop 4 Door | $294 | $566 | $398 | $1,416 |
| Cadillac ATS | $294 | $566 | $398 | $1,416 |
| Lexus GS 300 | $344 | $656 | $338 | $1,474 |
| Audi S8 | $658 | $1,368 | $398 | $2,582 |
| Acura TLX | $332 | $686 | $398 | $1,574 |
| Kia Forte | $322 | $500 | $372 | $1,352 |
| Nissan Sentra | $266 | $594 | $372 | $1,390 |
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What impacts the cost of Kia Spectra insurance?
As with any car, your Kia Spectra car insurance costs will be affected by personal factors like where you live, your driving record, and your driving habits. The Kia Spectra trim level you buy will also have an impact on the total price you will pay for Kia Spectra insurance coverage.
Ways to Save on Kia Spectra Insurance
If you want to reduce the cost of your Kia Spectra insurance rates, follow these tips below:
- Get a plan with only liability coverage if you’re driving an older Kia Spectra
- Remove young drivers from your Kia Spectra insurance when they move out or go to school
- Make sure you’re raising a safe driver
- Remove unnecessary insurance once your Kia Spectra is paid off
- Compare Kia Spectra quotes online
Top Kia Spectra Insurance Companies
What is the best company for affordable Kia Spectra insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Kia Spectra insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features found on the Kia Spectra.
| Rank | Company | Volume | Market Share |
|---|---|---|---|
| 1 | State Farm | $66,153,063 | 9.1% |
| 2 | GEICO | $46,358,896 | 6.4% |
| 3 | Progressive | $41,737,283 | 5.7% |
| 4 | Allstate | $39,210,020 | 5.4% |
| 5 | Liberty Mutual | $36,172,570 | 5.0% |
| 6 | Travelers | $28,786,741 | 4.0% |
| 7 | USAA | $24,621,246 | 3.4% |
| 8 | Chubb | $24,199,582 | 3.3% |
| 9 | Farmers | $20,083,339 | 2.8% |
| 10 | Nationwide | $18,499,967 | 2.5% |
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