Kia is a mid-premium automotive brand based in Korea. It forms part of Hyundai Motor Group along with Hyundai and its luxury Genesis subsidiary. Kia’s current Canadian line-up includes a wide range of vehicles from compact cars SUVs, a minivan, and some of the industry’s most innovative electric vehicles (EVs).. Auto insurance costs for Kia vehicles can vary widely based on the model, trim, vehicle age, expected repair costs, theft and claims history, safety technology, location, and driver profile.
The premiums on this page are based on MyChoice’s internal quote data. They compare Kia auto insurance costs by model and Ontario city, examine whether used Kias are cheaper to insure than new ones, and show how Kia compares with other mainstream brands.
Five Kia Insurance Figures Worth Checking
Kia’s $2,299 median annual Ontario premium is only $46 below the $2,345 all-vehicle benchmark. Model-specific median estimates run from about $2,082 for the Rio5 LX to $2,771 for the Sportage X-Line Limited AWD. That $689 spread makes trim-specific quotes more useful than the small brand-wide difference from Ontario’s benchmark.
| Median Kia premium (Ontario) | $2,299 |
| Kia vs Ontario all-vehicle median | -2% |
| Cheapest Kia model to insure in Ontario | Rio5 LX 5Dr (~$2,082) |
| Most expensive Kia model to insure in Ontario | Sportage X-Line Limited AWD (~$2,771) |
| Cheapest alternatives to insure | Mazda ($2,124), Toyota ($2,197), Mitsubishi ($2,235), Subaru ($2,272) |
Ontario Kia Rates by City, From Rio5 to Sportage
Among city-specific median insurance quotes for Kia vehicles, a 2024 Seltos in Ottawa is the most affordable vehicle to insure among those shown at $2,273 per year, while a 2026 Sportage in Brampton is the most expensive at $4,975, a difference of $2,702.
| City | Model | Model Year | List Price | Median Annual Car Insurance Premium |
|---|---|---|---|---|
| Brampton, ON | Sorento SXL V6 AWD | 2019 | $51,308 | $4,111 |
| Brampton, ON | Sportage X-Line Limited AWD | 2026 | $47,507 | $4,975 |
| Etobicoke, ON | Rio5 LX 5Dr | 2013 | $15,692 | $2,712 |
| Mississauga, ON | Sportage EX Premium AWD | 2025 | $41,679 | $3,455 |
| Welland, ON | Sorento EX Turbo AWD | 2025 | $45,145 | $2,473 |
| Brampton, ON | K4 EX | 2025 | $27,820 | $4,855 |
| Ottawa, ON | Seltos EX AWD | 2024 | $31,704 | $2,273 |
| Toronto, ON | Forte EX 4Dr | 2021 | $22,255 | $2,756 |
The Rate Gap Between New and Used Kias
The used Kia planning figure is $2,205 a year, $163 below the $2,368 estimate for a new one. It reflects a broad age adjustment rather than directly matched vehicles. Check the specific value, financing, deductible and available endorsements on the vehicle you’re considering before deciding how much optional physical-damage coverage to carry.
| Vehicle | Median Annual Car Insurance Premium |
|---|---|
| New Kia | $2,368 |
| Used Kia | $2,205 |
Kia Beside Other Everyday Vehicle Brands
Kia sits in a tight cluster of mainstream brands in insurance affordability as outlined below. Its $2,299 median cost is $4 below Honda, $21 below Nissan and $27 above Subaru while Mazda is $175 lower. With neighbouring brands this close, the exact model, driver history and postal code can easily change the quoting outcome.
| Car brand | Median Annual Car Insurance Premium |
|---|---|
| Mazda | $2,124 |
| Toyota | $2,197 |
| Mitsubishi | $2,235 |
| Subaru | $2,272 |
| Kia | $2,299 |
| Honda | $2,303 |
| Nissan | $2,320 |
| Volkswagen | $2,506 |
| Hyundai | $2,684 |
Kia Insurance FAQs
How much does it cost to insure a Kia in Ontario?
The median annual premium to insure a Kia in Ontario is $2,299. This figure is $46 below the all-vehicle benchmark of $2,345.
How safe and reliable are Kia vehicles?
J.D. Power’s 2026 U.S. Vehicle Dependability Study rates Kia among the top 10 most reliable vehicle brands. The Insurance Institute for Highway Safety (IIHS) rates several Kia vehicles as Top Safety Pick+, including the 2026 K4 compact sedan (but not the hatchback), Sportage compact SUV, Sorento midsize SUV, and EV9 electric three-row SUV as well as the 2027 Kia Telluride midsize SUV. Kia offers a wide range of modern safety and driver assistance technologies, many of which are included as standard equipment on most of its vehicle line-up.