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KIA SPECTRA 2009 Car Insurance

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The 2009 Kia Spectra is an economical compact sedan valued for its affordable purchase price and low maintenance costs. Built for simple daily use, it suits drivers seeking a reliable, no-frills car on a tight budget.

KIA SPECTRA 2009 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2021 and 2025, premiums for the 2009 Kia Spectra fluctuate significantly, dropping from $1092 in 2021 to $260 in 2023 before rising back to $885 in 2025. These sharp swings likely reflect a smaller data sample for this older model rather than a stable pattern.

To find the best insurance for your KIA SPECTRA 2009 vehicle, it is more important than ever to compare the available options.

How much does insurance for your KIA SPECTRA 2009 cost in Quebec?

Based on the data provided, the average premium for the 2009 Kia Spectra in Sherbrooke is $489. No other cities were provided to allow a geographic comparison.

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
SHERBROOKE $489.41

Frequently asked questions (FAQ)

How much does insurance cost for a 2009 Kia Spectra?
The average premium has varied considerably, reaching $1092 in 2021, dropping to $260 in 2023, then rising to $885 in 2025. In Sherbrooke, the average premium is $489.
Is auto insurance mandatory in Quebec?
Yes. In Quebec, minimum civil liability coverage of $50,000 is mandatory for any road vehicle driven on public roads.
Why do premiums for the 2009 Spectra vary so much year to year?
For an older model like the 2009 Spectra, fewer insured vehicles are on the road, which can cause noticeable swings in average premiums, such as the jump from $260 in 2023 to $885 in 2025.
Is the Sherbrooke premium representative of the provincial average?
The data provided only covers Sherbrooke ($489), so it isn't possible to compare this figure to other cities in Quebec.
What factors influence the premium for a 2009 Kia Spectra?
Vehicle age, lower replacement value, claims history, and driver profile all influence the premium, which tends to remain modest for this type of model.
How can I get the best premium for an older vehicle like the Spectra?
Comparing quotes from several insurers remains the best way to secure a competitive price, especially for an older vehicle with limited insurable value.

Offers received by our customers on KIA SPECTRA 2009 cars

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Methodology

To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :

  • Analysis period: Our analyses are based solely on insurance submissions collected over the millions of submissions in recent years, thus guaranteeing the relevance of our comparisons.
  • Real-world comparisons: We only use data from insurance submissions that actually resulted in a sale.
  • Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
  • Last updated: 08/14/2026