Why Are Kias So Costly To Insure? (High 10 Causes)


Kia steering wheel


Whenever you’re looking for a automobile, there are two large bills to contemplate.

The primary is the precise value of the automobile which may decide your month-to-month fee.

The second is automobile insurance coverage which may additionally add a considerable quantity to your month-to-month fee.

Kias are costly automobiles to insure with a mean value of $1,270 a yr at its lowest and $1,631 at it’s highest.

Listed below are 10 causes Kias are costly to insure.


Why Are Kias So Costly To Insure? (High 10 Causes)


1. Electrical Car

Power supply for electric car charging


A Kia is dear to insure if it’s an electrical mannequin.

Kia has a number of totally different fashions of automobiles, and a type of occurs to be its EV mannequin.

Specifically, its EV6 Kia is an electrical automobile boasting 339 miles per full cost.

It might even cost as much as 80% in 18 minutes when charged at a quick charging station.

Clearly, there are plenty of options and curiosity in this sort of automobile.

Nevertheless, the issue with electrical autos is that they’re nonetheless comparatively new in comparison with gas-powered autos.

They haven’t hit the mainstream simply but.

There are just a few causes behind this.

First, most electrical automobiles are nonetheless a bit too costly for common automobile homeowners to purchase.

Second, there aren’t sufficient public charging stations to make drivers really feel assured that they will cost their automobiles when they should.

Third, many drivers favor to have a charging station at their residence, too, which provides complexity to the entire scenario.

This impacts demand which suggests suppliers solely have just a few electrical autos obtainable at a time.

That, in flip, impacts the worth of electrical autos.

For the reason that value of the electrical car is increased, the insurance coverage value goes to be increased, too.

That’s very true if in case you have a complete insurance coverage coverage.

This coverage signifies that the insurance coverage firm pays the worth of the automobile if it’s broken or its repairs if it’s broken.

The dearer automobile you might have, the extra the insurance coverage firm has to pay.

To make sure they’re capable of afford that and nonetheless generate a revenue, they’ve to position the next insurance coverage charge in your automobile.

The Kia EV6 and different electrical autos are costly which makes their insurance coverage costly, too.


2. Braking Expertise

Car brakes


Kia automobiles include plenty of superior security options with regards to their brakes.

A few of its key options embrace:

  • Digital brake-force distribution
  • Traction management methods
  • Digital stability management

All these options make it simpler and safer to function your automobile.

An digital brake-force distribution system makes braking your automobile simpler and safer.

You’re capable of cease lots quicker, which may help you keep away from accidents within the first place.

The traction management system helps preserve the automobile on the street when the tires begin to slip on the street.

That makes it superb for driving on moist roads or snow-covered roads.

Lastly, its digital stability management methods assist preserve your automobile upright and on the street whenever you drive over potholes, uneven floor, or whenever you’re hit.

Virtually each Kia has these varied security methods on them.

Meaning there are a number of extra elements to your automobile that want insuring.

Specifically, these security methods are a bit extra advanced than commonplace security methods.

As such, it normally requires extra elements or manpower to restore them.

Because it’s going to value extra to restore them, then your insurance coverage goes to want to pay extra.

To make sure they’re nonetheless capable of generate a revenue after providing you with cash to restore your automobile, they must cost a excessive charge.


3. Kia Smart Driving Help

Hands on wheel driving car on city street


When looking for a Kia, you’ll see that among the automobiles include a Kia Smart function.

Kia Smart is Kia’s model of driving help.

Based on the guide, the driving help function is able to serving to you keep away from sure varieties of collisions.

The options of the Kia Smart Driving Help function embrace:

  • Ahead Collision
  • Blind Spot Collision Warning System
  • Blind Spot Collision Avoidance Help
  • Rear Cross-Visitors Collision Avoidance Help
  • Blind Spot View Monitor
  • Lane Conserving Help
  • Lane Following Help
  • Good Cruise Management

The ahead collision driving help function provides you a short warning whenever you’re about to collide with one thing in entrance of you.

The automobile will try and cease earlier than you hit the thing that it’s detecting.

You’ll additionally obtain a warning when one thing is in your blind spot.

If the automobile believes that this object in your blind spot goes to collide together with your automobile, then it’s going to try to maneuver out of the way in which.

The again of your automobile is one other susceptible space that may be tough to see and inform if one thing is about to hit it.

The Driving Help options have rear-collision avoidance which may get your automobile shifting to keep away from somebody crashing into it.

You’ll additionally have the ability to see your blind spots higher due to the blind-spot view monitor.

Should you’re uncertain if somebody is coasting in your blind spot, the monitor could make you conscious of them.

The automobile additionally has a number of totally different security options designed that will help you keep in your lane.

All these driving help options imply your automobile wants extra sensors and a wise laptop to research the information that the sensors are giving to it.

Since meaning extra elements, it additionally means there’s extra to insure in your automobile.

That ends in the next value of insurance coverage in your automobile.


4. Turbo Engine

Modern turbocharger on a steel background


In relation to automobiles, lots of people care concerning the engine.

A high-powered engine can enable them to rapidly stand up to hurry on the freeway and to their vacation spot a bit quicker.

Kia automobiles don’t disappoint.

Specifically, the Stinger GTS has a 3.3-Liter Twin-Turbo V6 engine.

It’s able to producing 365 horsepower and 376 lb-ft of torque.

This primarily means the engine can take the Kia from zero to 60 MPH in 4.7 seconds.

That type of efficiency is one thing some folks like to have of their automobiles.

Nevertheless, it additionally signifies that there’s going to be dearer insurance coverage on it.

Having a high-powered engine results in increased insurance coverage for just a few causes.

The primary is that high-powered engines want dearer repairs.

They normally use high-quality elements that don’t come low cost.

Whenever you want an engine restore, then you definately’re an costly repair.

To make sure the insurance coverage firm can nonetheless make cash, they cost excessive charges on Kias with a high-powered engine.

One more reason it results in increased insurance coverage prices is due to its capacity to get to a quick pace so rapidly.

Whereas that is superb for rapidly getting as much as the appropriate pace when merging onto a freeway, it’s additionally one thing that somebody can abuse.

There could also be the next incidence of accidents concerned, for instance, since a driver can simply go a bit quicker than maybe they supposed to.

That will result in a rise in collisions.

For the reason that likelihood of moving into an accident is a bit increased, the insurance coverage charge can be increased.

The insurance coverage firm desires to be sure that they will make sufficient of a revenue and nonetheless have the ability to cowl an inevitable restore from a crash.


5. HUD Shows

Kia Rio


A novel function that some Kia automobiles have is a heads-up show on the windshield.

The HUD particulars details about your automobile in a simple location so that you can see.

It additionally ensures to not obscure your view of the street.

You may see all the pieces from how a lot fuel you might have left as to if there are any obstacles round you that your automobile is detecting.

For instance, if somebody is in your blind spot, you’ll get a notification in your HUD show.

It might additionally give you different data just like the climate and sure driving situations.

Should you join the HUD show to the Kia Smart system, then you definately get much more essential data.

You will get real-time GPS instructions in your HUD show.

Now not will it’s essential to look away from the street to see the place you’re going.

As an alternative, the HUD show will present when to show, what lane to get in, and when to proceed in your present path.

If there are site visitors alerts, then you definately’ll additionally get a notification about them in your windshield.

Clearly, the heads-up show is a reasonably highly effective instrument that may make driving a Kia a bit extra gratifying and simpler.

Nevertheless, it’s additionally a purpose insurance coverage is dearer.

To get that data on the windshield, producers must create a brand new sort of windshield.

Not solely does it should be protected within the occasion of a crash, nevertheless it additionally wants to have the ability to show data.

Because it’s a better model of a typical windshield, it’s going to take dearer repairs to repair.

Because it’s dearer to restore, it’s going to value extra to insure.


6. Towing Energy

Kia Telluride


Not all Kias are able to towing a lot.

Nevertheless, the Kia Telluride has a 3.8L V6 engine which permits it to tow as much as 5,000 kilos.

That may maintain your primary wants like towing a small boat or camper trailer.

Nevertheless, it additionally signifies that drivers are almost definitely going to make use of this mannequin of Kia for towing.

Because it’s towing boats, trailers, and different issues, this car going to have extra stress placed on the automobile.

To tow one thing, a automobile wants to have the ability to overcome the friction of itself and likewise the burden of the thing that it’s towing.

A robust engine permits the automobile to do this.

Nevertheless, within the act of towing, it’s additionally placing a pressure on the engine.

For the reason that engine is below extra pressure, different elements of the automobile are going to be below pressure, too.

For instance, the radiator could get extra use because it must preserve the engine cooler.

You’ll additionally seemingly use extra fuel which suggests the gasoline methods may also take some pressure.

Not each driver goes to obey the 5,000-pound restrict both.

Some could attempt to push their Kias even additional to tow what they want.

Because of this, their car is put below much more pressure.

Towing primarily makes a car deteriorate a bit quicker.

It will increase the possibilities of it needing a restore down the road.

Because it’s rising the possibility of needing a restore, its insurance coverage charge goes to be increased.

That’s as a result of insurance coverage firms know that the Telluride is extra seemingly going to be within the store than non-towing Kia fashions.

Kia autos are costly to insure once they have towing capabilities.


7. Good Options

Apple CarPlay on dashboard


One other function of Kia fashions that make insurance coverage charges increased is the truth that they’ve a number of good options.

Apple CarPlay and Android Auto are two examples.

They will let you use your iPhone or Android cellphone to hook up with your Kia.

You may simply swap between varied playlists or use your smartphone’s options together with your automobile.

It’s simpler to talk whereas by no means taking your eyes off of the street.

You may even ship and obtain textual content messages that are fully managed by your voice.

With these two options, you’re capable of get most of your smartphone’s apps on the management panel of your Kia.

Lastly, it additionally has wi-fi charging.

You solely must put your cellphone on the charging station, and it’ll cost up your cellphone when you drive.

This ensures that even in the event you overlook your charging plug, your automobile can nonetheless preserve your cellphone juiced up.

In fact, you’ll must have one of many smartphones that enable non-cable charging.

These options make your insurance coverage charge dearer as a result of it’s extra tech that the corporate has to cowl.

Electronics can generally have issues in automobiles.

They will get uncovered to water or different issues that may trigger them injury.

The extra electronics and good options that your Kia has, the extra it’s going to value to restore them.

Insurance coverage firms wish to make as a lot revenue as potential whereas additionally shoring up sufficient cash to cowl these repairs.

To take action, they put a excessive charge in your insurance coverage coverage.


8. Elevated Quantity Of Accidents

Drivers talking on road with red stop sign


Should you’re extra prone to be in an accident, then you possibly can count on your insurance coverage charge to be excessive.

That’s one of many causes Kias can generally be costly to insure.

Throughout a research carried out by information scientists at Insurify, the Kia Stinger got here in second place of the automobile fashions with the best accident charges.

The flexibility to succeed in high speeds rapidly is probably going an element.

Attending to such a pace in a brief period of time can generally shock drivers.

It might trigger drift which may power the driving force off of the street or into one other automobile.

Since Kia Stingers have a excessive incidence of accidents, insuring them goes to be dearer.

That’s as a result of they’re extra prone to get into accidents and require insurance coverage protection for his or her repairs.

Since insurance coverage firms primarily find yourself paying extra money on Kia Stingers, anybody who chooses to purchase one goes to finish up with the next insurance coverage charge.

It ensures that the corporate can nonetheless make a revenue whereas overlaying the repairs for Kia Stingers.

Kia automobiles are costly to insure if they’ve excessive accident charges related to them just like the Kia Stinger.


9. Kia Mannequin

Kia e-Niro at Automobile Barcelona 2019


The kind of Kia you purchase may also decide how costly your insurance coverage turns into.

Kia automobiles are typically smaller and compact, however there are just a few fashions which can be bigger as properly.

For instance, they have a number of SUVs that are a superb dimension bigger than their sedans.

Should you select to purchase an SUV, then you possibly can count on a dearer insurance coverage charge.

That’s as a result of there’s extra for the insurance coverage coverage to cowl.

SUVs are bigger than sedans.

They use extra supplies and bigger elements to help the car and its efficiency.

Any time there are extra or bigger issues concerned, extra money can be concerned.

For instance, it’s going to value a producer extra to make a primary SUV than a primary sedan just because they want extra supplies to supply it.

Since an SUV tends to be dearer than a sedan, it has the next insurance coverage charge.


10. Kind Of Insurance coverage

Close-up view of insurance form, eyeglasses


The kind of insurance coverage that you simply get on your Kia additionally determines how costly it will be.

For instance, in the event you get primary, no-fault, insurance coverage, you’re going to have barely cheaper insurance coverage than somebody who chooses full protection.

That’s as a result of there are few situations wherein you qualify on your insurance coverage to cowl your repairs.

Since they’ve fewer obligations wherein to offer you cash, they don’t have to gather as a lot from you.

Those that go for full protection, then again, have extra situations wherein they will ask the insurance coverage firm to cowl their repairs.

For the reason that insurance coverage firm will seemingly spend extra on that exact Kia, the insurance coverage charge is increased to generate revenue on high of accumulating sufficient cash for future repairs.



Kia automobiles have fairly costly insurance coverage charges at round $100 a month at its most cost-effective.

A number of particular security and good options of the automobile enhance rates of interest.

The kind of insurance coverage protection and Kia mannequin that you simply purchase may also enhance your insurance coverage charge.