Buy Cheap KIA Auto Insurance in 2023

Shopping for auto insurance can feel daunting. Still, knowing what kind of coverage you need and which company might work best is important. KIA drivers have plenty of options for auto insurance coverage. Before you search for cheap KIA auto insurance in your area, you need to know what coverage you’re looking for. 

If you have an older KIA, you may want a minimum coverage policy for your vehicle. Minimum coverage will ensure you meet your state’s auto insurance coverage requirements without spending too much for auto insurance. However, if your KIA is newer or has a loan or lease, you should consider full coverage KIA insurance. 

Once you know the type of KIA auto insurance you want, you can compare online quotes. Comparing online quotes will help you determine the best company in your area for auto insurance for a KIA. KIA insurance rates vary, so it’s important to compare quotes if you want to buy cheap auto insurance.

What is KIA auto insurance?

You can purchase different types of auto insurance for your KIA. Some coverage options will help you save money, while others will add more protection if you ever have to file a claim. 

Aside from New Hampshire and Virginia, every state in the U.S. requires its drivers to carry a specific amount of auto insurance. To meet your state’s minimum requirements, you’ll need the following liability auto insurance coverages:

• 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 covers you if you cause an accident and one or more people are injured. 

The amount of property damage and bodily injury liability you need will depend on where you live. In addition to these types of insurance, some states require more coverage, such as:

• Personal injury protection (PIP): Buying personal injury protection coverage helps with medical bills, lost wages, and funeral costs associated with a covered accident.
• Medical payments (MedPay): MedPay helps 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, buying uninsured/underinsured motorist coverage allows your insurance company to pay for the damage someone else caused to your vehicle.

If your state requires additional coverage, your rates may be higher than if you lived in a state that only required liability insurance. In addition, some KIA drivers purchase additional auto insurance to protect their vehicles.

Do KIA drivers need full coverage?

Legally, you don’t have to buy a full coverage auto insurance policy. Still, many drivers purchase full coverage to ensure their insurance will help if someone or something damages their vehicle. A full coverage policy includes:

• Collision insurance: Collision insurance pays 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 auto insurance pays if theft, vandalism, wild animals, or inclement weather damage your KIA. 

KIA drivers with new or expensive models, or models with a loan or lease, may need full coverage to fulfill a contract with a lender. Full coverage costs more than a liability-only or minimum coverage policy, but the additional protection may be worth the investment if you’re ever in an accident. 

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How can I get cheap KIA auto insurance? 

KIA auto insurance rates vary based on the model, year, and other factors. For example, the average cost for KIA auto insurance is around $1,769 annually or $147 each month. However, auto insurance for a KIA Picanto may be much more or less, depending on the year of your vehicle. The same applies to KIA Stinger auto insurance costs and any other KIA model.

You must compare quotes from several companies to find cheap KIA insurance in your area. Otherwise, you could overpay for your coverage.

Can you get KIA auto insurance discounts?

You may qualify for auto insurance discounts on your KIA auto insurance. Most companies offer discounts for policyholders to save money on monthly or annual rates. Some of the most popular discounts on auto insurance include:

• Good student
• Defensive driver
• Paid-in-full
• Multi-policy
• Multi-vehicle
• Loyalty
• Affiliation
• Military
• New car
• Safety features

If you qualify for one or more discounts, speak with a representative from any company you’re considering to learn how much you could save on coverage. Discounts can help you save as much as 25% on your auto insurance coverage. 

Are there other ways to get cheap KIA auto insurance?

If your insurance still feels expensive, you can increase your auto insurance deductible to save money on your rates. Increasing your deductible means you’ll pay more out of pocket if you ever need to file a claim, so never increase your deductible to a price you can’t afford.

In addition to increasing your deductible, you can get cheaper rates if you choose a lower level of coverage. For example, if you currently have full coverage but don’t need it on your KIA, switching to a lower level of coverage would make your rates much more affordable. Still, lowering your coverage isn’t recommended unless your KIA is at least 10 years old and has a fairly low ACV.

Cheap KIA Auto Insurance: The Bottom Line

KIA owners have plenty of options regarding auto insurance. If you have a KIA, you can purchase a minimum coverage policy or pursue full coverage for added protection. Once you decide which type of coverage you want, you can shop for KIA auto insurance in your area.

The average cost for KIA auto insurance is around $1,769 annually or $147 each month. Rates for your KIA will depend on the model and your age, gender, credit score, and driving history. Comparing KIA auto insurance rates is important to avoid paying too much for coverage.

If you want cheaper rates for KIA insurance, you can search for discounts, increase your deductible, or lower your level of coverage. Still, the best way to find the cheapest auto insurance in your area is to compare quotes from several companies before choosing a policy. 

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