Key Facts About Insuring a Kia in Ontario
The figures below are based on MyChoice’s proprietary online quote data collected from Hyundai drivers in Ontario in 2026.
| Average Kia insurance premium (Ontario): | $1,715 |
| Cheapest Kia model to insure: | SOUL ($1,302) |
| Most expensive Kia model to insure: | K4 ($2,658) |
| Cheaper alternatives to Kia for car insurance: | Mitsubishi ($1,519), Fiat ($1,612), Volkswagen ($1,644), Subaru ($1,702) |
| Kia collision rate in Ontario: | 11.4% of Kia drivers have ≥1 at-fault accident |
How Much Does it Cost to Insure Your Kia in Ontario?
Where you live is one of the biggest factors in a Kia premium. In congested, high-theft areas like Vaughan, Kia drivers pay far more than the $1,715 provincial average, whereas quieter centres such as Hamilton see noticeably lower rates.
The table below estimates the average annual Kia premium in major Ontario cities:
| City | Average Annual Insurance Premium |
|---|---|
| Brampton, ON | $2,792 |
| Scarborough, ON | $2,451 |
| Vaughan, ON | $2,176 |
| Mississauga, ON | $2,007 |
| Markham, ON | $1,902 |
| Toronto, ON | $1,889 |
| Barrie, ON | $1,704 |
| Oshawa, ON | $1,702 |
| London, ON | $1,639 |
| Windsor, ON | $1,637 |
| Thunder Bay, ON | $1,635 |
| Hamilton, ON | $1,504 |
| Sudbury, ON | $1,482 |
| Kitchener, ON | $1,456 |
| Kingston, ON | $1,398 |
| Ottawa, ON | $1,352 |
How Kia Car Insurance Costs Compare to Similar Vehicle Brands
Insurance cost is often a deciding factor when shopping across brands. Our internal Ontario quote data places Kia in a lower price band: it typically costs more to insure than Fiat, Volkswagen, Subaru, yet less than Dodge, Ford, Mazda.
Here’s how the average annual Ontario premiums stack up:
| Car Model | Average Annual Insurance Premium |
|---|---|
| Fiat | $1,612 |
| Volkswagen | $1,644 |
| Subaru | $1,702 |
| Kia | $1,715 |
| Dodge | $1,756 |
| Ford | $1,810 |
| Mazda | $1,817 |
Kia Car Insurance Rates Through The Years
While Kia car insurance premiums dipped slightly in 2021, they began climbing steadily in the years that followed as insurers contended with higher repair costs, increased claims severity, rising vehicle values, and broader inflationary pressures.
| Year | Average Annual Insurance Premium | YoY Change |
|---|---|---|
| 2020 | $1,364 | — |
| 2021 | $1,342 | -1.6% |
| 2022 | $1,452 | +8.2% |
| 2023 | $1,531 | +5.4% |
| 2024 | $1,623 | +6.0% |
| 2025 | $1,706 | +5.1% |
| 2026 | $1,715 | +0.5% |
Kia Car Insurance Rates by Model & Year Make
When insuring your Kia, the model you choose significantly impacts the insurance rates. Our detailed analysis below provides a comprehensive view of the insurance costs for various Kia models from different years.
| Model | Average Annual Insurance Premium |
|---|---|
| SOUL | $1,302 |
| Sorento | $1,549 |
| RIO | $1,590 |
| Sportage | $1,641 |
| Seltos | $1,778 |
| Optima | $1,861 |
| Forte | $1,950 |
| K4 | $2,658 |
Kia Insurance FAQs
Are Kia vehicles expensive to insure?
Generally, Kia vehicles are considered insurance-friendly and are not expensive to insure, with most costs falling within the average range for your location.
Which Kia model is the cheapest to insure?
The Soul model is the most affordable Kia vehicle to insure in Ontario, with an annual premium of $1,302.