Kia Insurance Costs | Youi

How much does Kia car insurance cost?

The cost of your Kia insurance will depend on a number of variable factors, including your age, driving history, and the suburb where you live. To learn more about the average annual insurance premiums for Comprehensive cover with Youi, select your Kia model from the list below.

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Model

ANNUAL PREMIUM RANGE:

$1,030 to $1,850

The cost of insurance for the Kia Carnival is about 22% higher compared with the average annual insurance premium for all other models of Kia insured by Youi.

ANNUAL PREMIUM RANGE:

$745 to $1,668

When insured with Youi, the Kia Cerato has an average annual insurance premium which is around 4% higher than the other Kia models we insure.

ANNUAL PREMIUM RANGE:

$979 to $1,696

If you insure with Youi, the Kia EV6 has an average annual premium that’s around 10% higher compared with all other Kia models we cover.

ANNUAL PREMIUM RANGE:

$1,601 to $1,941

If you insure with Youi, the Kia EV9 has an average annual premium that’s around 46% higher compared with all other Kia models we cover.

ANNUAL PREMIUM RANGE:

$814 to $1,794

Compared to all other Kia models insured with Youi, the Kia Grand Carnival’s average annual insurance premium is about 12% higher.

ANNUAL PREMIUM RANGE:

$710 to $1,402

Insurance costs for the Kira Niro are about 14% lower than the average annual premium for all Kia models insured with Youi.

ANNUAL PREMIUM RANGE:

$745 to $1,865

Compared to all other Kia models insured with Youi, the Kia Optima’s average annual insurance premium is about 13% higher.

ANNUAL PREMIUM RANGE:

$640 to $1,320

When insured with Youi, the Kia Picanto has an average annual insurance premium which is around 17% lower than the other Kia models we insure.

ANNUAL PREMIUM RANGE:

$705 to $1,530

The average annual insurance premium for the Kia Rio is around 4% lower than the average for all other Kia models we cover.

ANNUAL PREMIUM RANGE:

$897 to $1,636

Compared to all other models of Kia insured with Youi, the Kia Rondo has an average annual insurance premium that’s about 7% higher.

ANNUAL PREMIUM RANGE:

$717 to $1,385

When insured with Youi, the Kia Seltos insurance cost is around 11% lower compared with all other models of Kia we cover.

ANNUAL PREMIUM RANGE:

$934 to $1,673

If you choose Youi as your insurer, the Kia Sorento has an average annual insurance premium that’s around 12% higher compared with all other Kia models we cover.

ANNUAL PREMIUM RANGE:

$662 to $1,443

The average annual insurance premium for the Kia Soul is around 14% lower than the average for all other Kia models we cover.

ANNUAL PREMIUM RANGE:

$746 to $1,415

If you insure the Kia Sportage with Youi, the average annual insurance premium is around 8% lower compared with all other Kia models that we cover.

ANNUAL PREMIUM RANGE:

$987 to $2,055

For Youi customers, the Kia Stinger insurance cost is around 33% higher compared with all other Kia models that we insure.

ANNUAL PREMIUM RANGE:

$708 to $1,518

Compared to all other Kia models insured with Youi, the average annual insurance premium for the Kia Stonic is about 7% lower.

Information about indicative premium ranges and comparisons

When we display the indicative Comprehensive premium range for a car make and model, or offer a comparison of how a model’s annual premium compares to Youi premiums for all models for that car brand, we adopt some important guidelines:

The information displayed is based on Youi internal data for Comprehensive policies sold for the make and model between 10 Nov 2023 and 10 May 2024.
To improve how useful our data is, we only calculate our average comparisons on models where Youi data is available on at least 10 sold Comprehensive policies for that model.
As you would expect, we get some higher or lower premiums based on different risk ratings, so the indicative range does not represent all Youi customers. 80% of applicable Comprehensive car premiums purchased by our customers fell within or below the indicative premium range shown.
Premiums and offers to insure are subject to rating & underwriting, and your own individual circumstances.

What’s the average cost for Kia car insurance?

The average cost for Comprehensive cover with Youi can vary between different models of Kia. Take a look to compare the average annual premiums for the Kia models we insure.

HOW WE CALCULATE THESE NUMBERS Start a quote

Kia Picanto

$1,015

Kia Soul

$1,052

Kia Niro

$1,058

Kia SELTOS

$1,088

Kia Sportage

$1,128

Kia STONIC

$1,139

Kia Rio

$1,174

Kia Average

$1,228

Kia Cerato

$1,279

Kia Rondo

$1,309

Kia EV6

$1,357

Kia Grand Carnival

$1,378

Kia Sorento

$1,379

Kia Optima

$1,386

Kia Carnival

$1,500

Kia Stinger

$1,629

Kia EV9

$1,786

Choose your cover

Youi offers a range of Kia motor insurance options to keep you covered while you’re driving. Take a look and select the one that suits your needs.

Comprehensive insurance

Our Comprehensive insurance includes cover for loss or damage to your car, plus damage your car causes to other people's cars and property.

Explore Comprehensive

Third Party Fire & Theft

Includes cover for your car against fire and theft plus damage to other people's cars and property.

Third Party Fire & Theft

Third Party Property Only

Includes cover for damage to someone else's car and property.

Third Party Property Only

Comprehensive insurance

Our Comprehensive insurance includes cover for loss or damage to your car, plus damage your car causes to other people's cars and property.

Explore Comprehensive

Third Party Fire & Theft

Includes cover for your car against fire and theft plus damage to other people's cars and property.

Third Party Fire & Theft

Third Party Property Only

Includes cover for damage to someone else's car and property.

Third Party Property Only

Interesting facts about Kia

Kia has a global partnership with The Ocean Cleanup

In an effort to create a more sustainable future, Kia has signed a global partnership with The Ocean Cleanup – a Netherlands-based non-profit organisation that develops technologies to rid the world’s oceans of plastic. The Ocean Cleanup supplies usable collected plastic to Kia to be recycled, while Kia supplies electric vehicles to the organisation’s headquarters.¹

Kia is phasing out the use of leather in its vehicles

To help reduce CO₂ emissions, Kia is planning to eventually stop using animal leather materials in all of its future vehicles. Instead, Bio-Polyurethane (BIO PU) – derived from natural components such as eucalyptus and corn – will replace leather and Poly Vinyl Chloride (PVC).²

Future Kia cars will be able to ‘read’ human emotions

In collaboration with the Massachusetts Institute of Technology (MIT), Kia has developed a new technology called Real-time Emotion Adaptive Driving (R.E.A.D.) which can personalise and optimise the cabin space of a car based on the occupant’s emotional state. This interactive cabin space uses AI-based bio-recognition technology to enable communication between drivers and vehicles, for a more joyful mobility experience.³

Kia is the Major Partner of the Australian Open

In line with Kia’s ‘movement inspires ideas’ brand purpose, Kia has extended its support of the Australian Open tennis Grand Slam until 2028. This event is a highlight of the global tennis circuit, drawing thousands of international visitors to Melbourne each year. Two-time Australian Open champion Rafael Nadal is also a Global Ambassador for Kia.⁴

In an effort to create a more sustainable future, Kia has signed a global partnership with The Ocean Cleanup – a Netherlands-based non-profit organisation that develops technologies to rid the world’s oceans of plastic. The Ocean Cleanup supplies usable collected plastic to Kia to be recycled, while Kia supplies electric vehicles to the organisation’s headquarters.¹

To help reduce CO₂ emissions, Kia is planning to eventually stop using animal leather materials in all of its future vehicles. Instead, Bio-Polyurethane (BIO PU) – derived from natural components such as eucalyptus and corn – will replace leather and Poly Vinyl Chloride (PVC).²

In collaboration with the Massachusetts Institute of Technology (MIT), Kia has developed a new technology called Real-time Emotion Adaptive Driving (R.E.A.D.) which can personalise and optimise the cabin space of a car based on the occupant’s emotional state. This interactive cabin space uses AI-based bio-recognition technology to enable communication between drivers and vehicles, for a more joyful mobility experience.³

In line with Kia’s ‘movement inspires ideas’ brand purpose, Kia has extended its support of the Australian Open tennis Grand Slam until 2028. This event is a highlight of the global tennis circuit, drawing thousands of international visitors to Melbourne each year. Two-time Australian Open champion Rafael Nadal is also a Global Ambassador for Kia.⁴

What might impact my Kia insurance costs?

Your Kia car insurance premium can be affected by a number of factors, as outlined below. To get more detailed information about Kia insurance with Youi, start a quote with us today.

Model and modifications of your Kia

If you decide to insure your Kia with Youi, we’ll need to know the specific model of your vehicle, as well as any modifications that might have been made. The reason for this is that Kia insurance premiums are calculated on, among other things, how expensive it would be to repair or replace your vehicle, including any accessories or modifications.

Coverage level

With Youi, you can choose from a range of insurance options including Comprehensive, Third Party Fire & Theft and Third Party Property Only Each of these levels is priced differently.

Your age

Your age and driving history may influence the cost of your car insurance. When you start a quote with Youi, both of these factors will be considered.

Suburb where you live

The suburb where your Kia will be kept, as well as whether it will be parked outside on the street or inside a locked garage, may affect the cost of your insurance. This is because some suburbs have higher crime rates, while others are more susceptible to extreme weather.

Model and modifications of your Kia

If you decide to insure your Kia with Youi, we’ll need to know the specific model of your vehicle, as well as any modifications that might have been made. The reason for this is that Kia insurance premiums are calculated on, among other things, how expensive it would be to repair or replace your vehicle, including any accessories or modifications.

Coverage level

With Youi, you can choose from a range of insurance options including Comprehensive, Third Party Fire & Theft and Third Party Property Only Each of these levels is priced differently.

Your age

Your age and driving history may influence the cost of your car insurance. When you start a quote with Youi, both of these factors will be considered.

Suburb where you live

The suburb where your Kia will be kept, as well as whether it will be parked outside on the street or inside a locked garage, may affect the cost of your insurance. This is because some suburbs have higher crime rates, while others are more susceptible to extreme weather.

FAQs

Keep reading for answers to commonly-asked questions about Kia insurance.

VIEW THE PDS CAR INSURANCE TERMINOLOGY

For Youi customers, the average annual premium for Kia vehicles is $1,228. Compare this with the average annual insurance premium for Mazda vehicles insured with Youi, which is about $1,093.

For more detailed information about getting car insurance for your Kia, start a quote with us today.

HOW WE CALCULATE THESE NUMBERS

If you insure with Youi, the Kia EV9 has an average annual insurance premium of $1,786, which is around 46% higher compared with all the other models of Kia that Youi insures.

HOW WE CALCULATE THESE NUMBERS

The average annual insurance premium for the Kia Picanto is $1,015, which is about 17% lower compared with all other models of Kia that we insure.

HOW WE CALCULATE THESE NUMBERS

Yes, different Kia models tend to attract different insurance premiums. For instance, the average annual insurance premium for the Kia Stinger is about $1,499, while the average annual insurance premium for the Kia Soul is $1,052 (for Youi customers).

HOW WE CALCULATE THESE NUMBERS

Yes, the colour of your Kia might affect your insurance premium. The reason for this is that car insurance premiums are based on, among other things, how much it would cost to repair or replace your vehicle. Certain paints, such as metallic, can cost more than others.

If you insure with Youi, the Kia Seltos has an average annual premium of $1,088, while the Kia Rio has an average annual premium of about $947.

Start a quote with us today to get more detailed info about Kia car insurance.

HOW WE CALCULATE THESE NUMBERS

The model year of your Kia Seltos can have an impact on the cost of your insurance. This is because car insurance premiums are calculated based on, among other things, how much it would cost to have your vehicle repaired or replaced. Typically, the more expensive it is to repair or replace a vehicle, the more expensive it’s likely to be to insure.

Find out how much it might cost to insure your Kia Seltos by starting a quote with us today.

VIEW THE PDS CAR INSURANCE TERMINOLOGY

Guides

Below you’ll find articles which provide additional information about car insurance together with answers to some frequently-asked insurance questions.