KIA Car Insurance

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Kia is a South Korean automaker known for its excellent value, generous warranties, and modern design. The brand offers a diverse lineup ranging from subcompacts to family SUVs, appealing to pragmatic buyers seeking affordable reliability.

KIA CAR INSURANCE RATES OVER THE LAST 5 YEARS.

From 2021 to 2026, premiums for Kia vehicles fluctuate notably, dropping from $1277 to a low of $1167 in 2022, then rising sharply to $1625 in 2025 before easing slightly to $1598 in 2026. This marked increase reflects evolving repair costs and demand.

To find the best insurance for your KIA vehicle, it is more important than ever to compare the available options.

Get low-cost insurance for your KIA

How much does insurance for your KIA cost in Quebec?

Premiums are highest for Kia in Montreal ($2216), Gatineau ($1800), and Laval ($1781), while Saint-Jean-sur-Richelieu ($1318) and Drummondville ($1419) show the lowest amounts. The gap between cities remains significant, exceeding $800.

To get the exact cost for your situation, the best approach is to compare offers from several insurers. Using our Clicassure comparison tool, you can easily find the best premium tailored to your needs.

City	Average price over the last 12 months
BROSSARD	$1456.48
DRUMMONDVILLE	$1418.75
GATINEAU	$1800.37
LAVAL	$1780.63
LÉVIS	$1466.42
LONGUEUIL	$1731.69
MONTRÉAL	$2216.11
QUÉBEC	$1557.06
REPENTIGNY	$1450.76
Saguenay	$1549.92
SAINT-JEAN-SUR-RICHELIEU	$1318.12
SAINT-JÉRÔME	$1529.51
SHERBROOKE	$1431.61
TERREBONNE	$1600.56
TROIS-RIVIÈRES	$1446.48

Frequently asked questions (FAQ)

How much does insurance cost for a Kia?

In 2026, the average premium for a Kia vehicle stands at $1598, after peaking at $1625 in 2025.

Is auto insurance mandatory in Quebec?

Yes. In Quebec, civil liability coverage of at least $50,000 is mandatory for any road vehicle driven on public roads.

Why have Kia premiums risen so much since 2022?

The average premium rose from $1167 in 2022 to $1625 in 2025, a marked increase tied to rising repair and parts replacement costs.

Where is Kia insurance the cheapest?

Based on the data provided, Saint-Jean-sur-Richelieu ($1318) and Drummondville ($1419) post the lowest average premiums for a Kia vehicle.

Why does Montreal show the highest Kia premium?

With an average premium of $2216, Montreal stands out due to higher urban density and a higher claim frequency than the other cities listed.

Will Kia premiums keep declining after 2025?

The 2026 figure shows a slight decrease, from $1625 to $1598, but it is still too early to confirm a lasting downward trend.

How can I lower my Kia insurance premium?

Comparing quotes from several partner insurers, bundling auto with home insurance, and maintaining a clean driving record remain the best ways to reduce the premium.