Kia insurance
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Kia Car Insurance
Types of car insurance for a Kia
Kia insurance provides financial protection for your Kia on UK roads. It can offer financial cover for the costs of repairs or replacements if your Kia is damaged. You can tailor your policy to suit your needs, such as adding breakdown cover or gap insurance. There are three main types of coverage for Kia insurance, each offering different levels of financial protection.
Comprehensive car insurance for a Kia
Comprehensive cover protects third parties and your vehicle. It covers repairs or replacements if your Kia is damaged, stolen, or written off.
Third party only Kia insurance
Third party is the minimum legal requirement. It covers damage or harm to other people, their property, and vehicles, but not your own.
Third party, theft and fire car insurance
TPFT policies cover third-party damage and offers protection if your Kia is stolen or damaged by fire.
Additional coverage available for a Kia
How can I get cheap Kia insurance quotes?
Give an accurate annual mileage
It’s important to try and be as accurate as possible when you estimate your mileage to avoid paying for unnecessary coverage. Lower mileage typically means a reduced risk of accidents, which could qualify you for a discount on your insurance premium.
Improve your security
Taking steps to improve the security features on your Kia will not only add to your own peace of mind but could also mean discounts on your insurance. Insurance quotes are always about calculating risk. So measures to reduce the risk of your car being stolen or vandalised will often be rewarded by an insurer.
Avoid making modifications
Changes to your Kia can boost its looks and performance, but they can also make your insurance more expensive. Insurance providers often think modified cars carry more risk, which can lead to higher premiums.
Pay your premium annually if possible
Paying for your insurance all at once can feel like a lot. But choosing to pay your premium annually instead of every month could end up saving you cash. This is because you won’t have to pay the extra interest included on a month-to-month payment plan.
Increase the voluntary excess on your policy
Choosing a higher excess (the amount you pay towards a claim) can really bring down your insurance costs. Just be sure it’s an amount you can afford if you need to claim.
Choose appropriate coverage
Extra add-ons for your policy can be nice to have. But always take a close look at what you need, and pick coverage that fits your budget. This way, you won’t end up paying for features and options that aren’t essential for your Kia insurance.
Shop around and compare Kia insurance quotes
Don’t let your policy renew on its own. This may seem like common sense, but you’d be surprised how many people just renew their existing policy without shopping around. Use sites like Quotezone.com to see a range of prices and find the best deal for your Kia.
How much does it cost to insure a Kia?
The cost of Kia insurance changes based on things like the car model, how old it is, your driving record, and what kind of coverage you want. Our recent data from Quotezone.co.uk shows that on average, drivers pay about £810 a year for insurance. But this average is quite different depending on where you are in the UK. The price difference is linked to factors like crime, congestion, and how many claims people make in your area. Your occupation is another important factor in the final price of your insurance premium. Jobs that require more driving can increase premiums. High annual mileage and peak-time driving will also increase the risk of accidents.
We search over 120 car insurance providers to save you hassle and money
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We search over 120 car insurance providers to save you hassle and money
Kia insurance groups
Typically, the lower the insurance group, the lower the premium. However, remember insurance groups are just one factor influencing premiums. Cars in each Kia model also have their own specific editions, engine, trim, year, and additional features. So, the specific group will depend on your exact car model. The Kia Sportage is an excellent example of a model that spans a wide range of insurance groups. The base model sits in group 12 whilst the higher-end, more powerful, and feature-rich versions fall into group 20. So, it’s always wise to check your group based on the specific make and model of your car to get the most accurate quote. As a guide, here are the insurance group ranges for popular Kia models:
| Kia Model | Insurance Group Range |
|---|---|
| Kia Sportage insurance group | 12 – 20 |
| Kia Rio insurance group | 2 – 10 |
| Kia Sedona insurance group | 17 – 26 |
| Kia Stonic insurance group | 8 – 20 |
| Kia XCeed insurance group | 10 – 16 |
| Kia Picanto insurance group | 1 – 10 |
| Kia Venga insurance group | 7 – 14 |
| Kia Soul insurance group | 11 – 20 |
Kia insurance FAQs
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