About Kia
Kia is a South Korean car manufacturer founded in 1944 and now part of the Hyundai Motor Group. From its headquarters in Seoul, the brand has grown into one of the world’s largest automakers.
Kia offers a broad line-up, from affordable hatchbacks and family SUVs to advanced hybrid and electric vehicles. The brand is widely recognised for reliability, strong value for money and generous warranty cover, with models such as the Sportage, Sorento and the award-winning all-electric EV6 among its most popular choices.
How much does it cost to insure my Kia?
The cost of insuring a Kia depends on factors such as your age, driving history, occupation and the model you choose. Smaller cars like the Kia Picanto and Rio usually sit in lower insurance groups, making them some of the cheapest to cover. Larger SUVs such as the Sportage or Sorento are more expensive, while hybrid and electric models like the Kia Niro or EV6 can also attract higher premiums due to their technology and repair costs.
On average, annual Kia insurance premiums typically fall between £500 and £1,000, though your personal circumstances will make the biggest difference. Comparing quotes across multiple insurers is the best way to find the most accurate price for your specific situation.
Kia model | Average yearly premium |
|---|---|
Picanto | £376^ |
Rio | £344^ |
Sportage | £459^ |
Picanto City | £421^ |
Picanto Chill | £610^ |
Niro | £489^ |
How can I get my insurance cheaper for my Kia?
There are several ways to reduce the cost of insuring a Kia. Increasing your voluntary excess can lower your premium, but only set an amount you could afford if you made a claim. Arranging cover a few weeks before renewal and paying annually instead of monthly are also effective ways to save.
Driving safely, avoiding convictions and building up a no-claims bonus remain among the most reliable ways to cut costs. Parking your Kia securely in a garage or off-road can also help, while reviewing your policy to remove extras you don’t need will keep prices down. For younger or less experienced drivers, adding a responsible named driver can sometimes reduce premiums further. Smaller models such as the Picanto or Rio usually cost less to insure, while SUVs and electrified models like the Sportage or EV6 may benefit most from comparing quotes across several insurers.
What type of insurance do I need?
There are three main types of car insurance to choose from:
Fully comprehensive – the highest level of cover, protecting you, your Kia, other vehicles, people and property if a claim is made.
Third party, fire and theft – covers damage to others’ vehicles or property, as well as theft or fire damage to your own car. It does not cover accidental damage to your Kia.
Third party only – the minimum legal requirement, covering damage to others’ vehicles or property but offering no protection for your own car.
For most Kia drivers, fully comprehensive insurance is the most suitable option. It offers the widest protection and, in many cases, can also be cheaper than third party cover because insurers often see comprehensive policyholders as lower risk. Smaller models like the Picanto or Rio are usually the cheapest to insure comprehensively, while larger SUVs and electrified models such as the Sportage, Niro or EV6 may cost more but still benefit from the broader protection comprehensive cover provides.
Where can I get insurance for my Kia?
You can insure a Kia through most mainstream UK car insurers, with prices varying depending on the model you drive and your personal details. A comparison site such as MoneySuperMarket is a quick way to check quotes from multiple providers in one place, helping you find the most competitive cover.
For smaller cars like the Picanto or Rio, standard insurers usually offer the cheapest premiums. Larger SUVs such as the Sportage or Sorento, as well as hybrids and electric models like the Niro or EV6, may benefit from quotes with both mainstream and specialist insurers. Comparing across different providers ensures you get the right balance between cost and cover for your Kia.
What do I need to get accurate car insurance quotes?
Your car registration number and driving licence number
Any no-claims bonus you’ve accrued
When you bought the car and any modifications made
Your expected annual mileage
Whether you’ll use the car for social, commuting, or business purposes
Note: you can still get a quote if you don't know the registration yet
Compare quotes from 186^ insurers to find the best deal for you
It only takes a few minutes
Compare insurance for other makes and models
Check out our manufacturers page for more makes and models.
Trusted Service Awards Winners
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
Reviewed on 30 Dec 2025 by
Based on MoneySuperMarket quoted policies for annual car insurance, between July 25th 2024 and October 23rd 2024
Based on 1 visit per month – average ticket value £15.30 (Oct 24)
T&Cs and restrictions apply, see here for more information