Find and compare cheap insurance quotes

KIA SPECTRA5 Car Insurance

View offers received by our clients for their KIA SPECTRA5 car insurance

Click here to save on your car insurance

The Kia Spectra5 is a compact hatchback sedan valued for its versatility, affordability, and easy maintenance. Designed for urban drivers seeking a practical, economical vehicle, it combines useful cargo space with low ownership costs.

KIA SPECTRA5 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2021 and 2025, premiums for the Kia Spectra5 fluctuate without a clear linear trend, moving from $366 in 2021 down to $220 in 2022, back up to $392 in 2023, then down again to $263 in 2024 and $251 in 2025. Overall, the current average premium remains below the 2021 level.

To find the best insurance for your KIA SPECTRA5 vehicle, it is more important than ever to compare the available options.

How much does insurance for your KIA SPECTRA5 cost in Quebec?

Among the cities provided, Gatineau shows a higher average premium ($317) than Montreal ($239) for the Kia Spectra5, a notable gap between the two compared markets.

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
GATINEAU $317.19
MONTRÉAL $238.71

Frequently asked questions (FAQ)

How much does auto insurance cost for a Kia Spectra5?
In 2025, the average premium for a Kia Spectra5 is $251, after fluctuating between $220 and $392 over the past few years.
Has the Spectra5 premium changed much since 2021?
Yes. It went from $366 in 2021 down to $220 in 2022, then jumped to $392 in 2023 before dropping to $251 in 2025, showing an irregular pattern rather than a stable trend.
Where is the Spectra5 cheaper to insure, Gatineau or Montreal?
Based on the data provided, Montreal shows a lower average premium ($239) than Gatineau ($317) for this model.
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.
What factors influence the premium for a Kia Spectra5?
Parts costs, claim frequency associated with the model, and the driver's city of residence can all affect the premium, as shown by the gap between Gatineau and Montreal.
How can I lower the insurance cost of my Spectra5?
Comparing quotes from several insurers and bundling your auto and home coverage remain effective ways to reduce your premium.

Offers received by our customers on KIA SPECTRA5 cars

Similar brands

HONDA
CIVIC
MAZDA3
HYUNDAI
ELANTRA
TOYOTA
COROLLA

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: 07/09/2026