Best Kia Spectra Auto Insurance Rates 2021

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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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Nov 24, 2021

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Things to Remember

  • Crash test ratings have an impact on Kia Spectra auto insurance rates
  • The cost of insurance for a Kia Spectra depends on the trim level
  • The Kia Spectra has safety features that include Driver Air Bag and Emergency Trunk Release

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.

What impacts the cost of Kia Spectra insurance?

The Kia Spectra trim and model you choose can impact the total price you will pay for Kia Spectra insurance coverage.
You can also expect your Kia Spectra rates to be affected by where you live, your driving history, and in most states your age and gender.

Kia Spectra Safety Features

The numerous safety features of the Kia Spectra help contribute to lower insurance rates. The Kia Spectra has the following safety features:

  • Driver Air Bag
  • Passenger Air Bag On/Off Switch
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • Front Disc/Rear Drum Brakes
  • Child Safety Locks
  • Emergency Trunk Release

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Ways to Save on Kia Spectra Insurance

There are several ways you can save even more on your Kia Spectra car insurance rates. Take a look at the following five tips:

  • Never drink and drive your Kia Spectra
  • Ask about loyalty discounts
  • Consider ride sharing services to lower your Kia Spectra mileage
  • Tell your insurer how you use your Kia Spectra
  • Compare Kia Spectra quotes online

Top Kia Spectra Insurance Companies

What is the best auto insurance company for 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 auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features found on the Kia Spectra.

Largest Auto Insurers by Market Share

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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Save money by comparing Kia Spectra insurance rates with free quotes online now.

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