The cost of Kia insurance varies depending on the model, trim, year, and more. Kia is a Korea-based mid-premium car brand and a subsidiary, alongside Hyundai and luxury brand Genesis, of Hyundai Motor Group. Kia offers several different models in Canada, including compact cars, SUVs, a minivan, and cutting-edge EVs.
Several factors go into calculating the cost of Kia insurance, including repair costs, theft and claim statistics, safety features, the driver’s age, location, and other factors. Using our in-house insurance quote data at MyChoice, we compared Kia insurance costs for certain Kia models in select cities in Ontario. We looked at the difference in price for a new vs. used Kia and how Kia compares to other mainstream car brands.
Five Kia Insurance Figures Worth Checking
The overall Kia premium in Ontario of $2,299 is $46 lower than the median premium for all vehicles in Ontario ($2,345). But that’s not super helpful since the estimates for the Kia models range from ~$2,082 (Rio5 LX) to ~$2,771 (Sportage X-Line Limited AWD), representing a $689 difference.
| 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
$2,205 is the annual median premium for a used Kia. Our estimate for a new Kia is $2,368. That’s a difference of $163.
Before determining what levels of optional physical-damage insurance are right for you, be sure to compare your car’s value, any financing, deductibles and other insurance policy features.
| Vehicle | Median Annual Car Insurance Premium |
|---|---|
| New Kia | $2,368 |
| Used Kia | $2,205 |
Kia Beside Other Everyday Vehicle Brands
Kia’s median premium is $4 less than the median for Honda, $21 less than Nissan, $27 more than Subaru and $175 more than Mazda.
| 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.