Best Kia Spectra Auto Insurance Rates 2021

To get the best price on your Kia Spectra auto insurance, you'll need to shop around and compare. Thanks to the safety features of the Kia Spectra, you can get car insurance discounts. However, things like your driving record and how much you drive will also affect your Kia Spectra auto insurance rates.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Dec 17, 2021

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Things to Remember

  • The cost of insurance for a Kia Spectra depends on the trim level
  • Safety features of the Kia Spectra can earn you a car insurance discount
  • Crash test ratings have an impact on Kia Spectra auto insurance rates

Buying a new car is both fun and a lot of work. If the Kia Spectra is on your list (or if you’ve already made your choice) you need all of the information before you move forward. We’ve gathered what you need to know when you buy a Kia Spectra right here.

Take a look at what you can expect in terms of insurance rates for the Kia Spectra and compare it to other similar vehicles. Then find out how the Kia Spectra stacks up in terms of safety ratings and features, as well as what it costs to buy a Kia Spectra right here.

If you need insurance for a Kia Spectra right now, we can help. Enter your ZIP code for free Kia Spectra car insurance quotes from top companies.

Are vehicles like the Kia Spectra expensive to insure?

Take a look at how insurance rates for similar models to the Kia Spectra look. These insurance rates for other sedans like the Mazda 626, Acura TL, and Audi 100 give you a good idea of what to expect.


Insurance Rates for Vehicles Similar to the Kia Spectra

Vehicle Comprehensive Collision Liability Total
Honda Accord $280 $500 $372 $1,310
Buick Verano $284 $494 $416 $1,352
BMW M3 $406 $804 $398 $1,766
Kia K900 $368 $668 $416 $1,610
Audi A6 $382 $744 $398 $1,682
Lincoln Town Car $242 $466 $460 $1,326
Buick LaCrosse $320 $566 $338 $1,360
Kia Cadenza $308 $552 $416 $1,434

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What impacts the cost of Kia Spectra insurance?

The average annual rate for the Kia Spectra is just that, an average. Your insurance rates for a Kia Spectra can be higher or lower depending upon the trim level and personal factors. Those factors include your age, home address, driving history, and the model year of your Kia Spectra.

Ways to Save on Kia Spectra Insurance

Save more on your Kia Spectra car insurance rates. Take a look at the following five strategies that will get you the best Kia Spectra auto insurance rates possible.

  • Consider ride sharing services to lower your Kia Spectra mileage
  • Ask about loyalty discounts
  • Drive your Kia Spectra safely
  • If you’re recently married, ask about discounts
  • Reduce modifications on your Kia Spectra

Top Kia Spectra Insurance Companies

What is the best company for affordable Kia Spectra insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Kia Spectra insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features found on the Kia Spectra.

Largest Auto Insurers by Market Share

Rank Company Volume Market Share
1 State Farm $66,153,063 9.1%
2 GEICO $46,358,896 6.4%
3 Progressive $41,737,283 5.7%
4 Allstate $39,210,020 5.4%
5 Liberty Mutual $36,172,570 5.0%
6 Travelers $28,786,741 4.0%
7 USAA $24,621,246 3.4%
8 Chubb $24,199,582 3.3%
9 Farmers $20,083,339 2.8%
10 Nationwide $18,499,967 2.5%

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Comparing Free Kia Spectra Insurance Quotes Online

Save money by comparing Kia Spectra insurance rates with free quotes online now.

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