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Kia’s reputation transformed from a vehicle to avoid to the one you should consider buying today. One of the reasons to consider this brand is its relatively low insurance rates due to the number of safety features that come with its models. How much will insurance cost you for a Kia? Which model is the cheapest to get coverage on, especially if you have poor credit?

Why are automobile insurance rates so vastly different from person to person?

A black Kia Niro, which has the cheapest insurance costs.
Kia Niro | Kia Media

Purchasing insurance doesn’t come with one straight price for all. It factors in many variables to determine how much you’ll pay for the vehicle you will be driving. Each company sets its prices, but most will utilize the same elements to come up with personalized fees. 

Agencies will look at your driving record, age, location, the type of vehicle you own, and the distance you drive that vehicle during a year. This is so they can determine how much of a risk you would be driving with their insurance. Younger drivers, usually 18 to 25 years old, will pay more until the companies see they are no longer a risk. 

The most popular factor many insurance agencies use to calculate a person’s policy rates is their credit score. According to Forbes, your credit doesn’t have anything to do with how well you drive, but many companies see a poor credit score as an indication that the person will likely file a claim. Because of this, the person’s insurance premiums will go up. 

Which Kia model has the cheapest insurance rates?

Out of all the brand’s models on the market, the one with the lowest insurance costs would be the Kia Niro, mainly if you chose the top trim that comes with the most safety features, like blind-spot monitoring, forward collision avoidance, and lane-keeping assist, to name a few. 

As CarEdge reports, the average price for insurance would fall in the $1,434 range for someone in their 40s who happens to have good credit. But, if that same person had a poor credit score, the price would go up about a thousand dollars more to $2,463. For a 65-year-old, it would be slightly less in the same situation. If they had bad credit, the cost of insurance would run them $2,293. 

If that person happened to live in Ohio, which is one of the cheapest states in the country for insuring your car, the price for poor credit would be $1,653. Connecticut, one of the most expensive states to insure a vehicle would run you approximately $4,070. 

There are many factors that go into determining your car insurance rates, but if you have poor credit and want to get the best deal possible, choose a model, like the Kia Niro to keep your premium costs low. 

Insuring a Kia vehicle

Kia has become one of the most popular vehicles on the road today, meaning quite a few of the brand’s models are getting insured. As with any vehicle, Kia’s will be involved in some accidents and fender benders, but what can you expect to pay to put proper coverage on it?

CarEdge cites an example to explain what an average insurance policy would look like for a Kia model. Imagine a 40-year-old with a good driving record insuring a single, brand-new car with full coverage traveling approximately 13,000 miles a year.

Now, if that person has good credit, they would probably pay about $1,666 annually for their insurance. However, if something happened and their credit score dropped significantly, the price would shoot up to $2,862, a little over a thousand dollars more. 

At that age, the prices aren’t too terribly bad, but for a younger person in the same situation, you’re going to pay even more money. For a 25-year-old with good credit, their insurance would likely cost $2,375. But if that same individual had problems with credit, the price would probably be $4,079, assuming they didn’t have any recent accidents on their record. 


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