KIA SPECTRA 2008
A Man from Montréal-Nord
$324 /year
Premium computed in May 2025
The Kia Spectra is an affordable compact sedan built for economical daily driving. Simple and functional, it appeals to drivers seeking a reliable, no-frills entry-level vehicle with low maintenance costs.
Between 2021 and 2026, the average premium for the Kia Spectra fluctuates notably: it drops from $590 in 2021 to $315 in 2022, then gradually climbs back to $469 in 2026. After an initial decline, the recent trend is upward.
To find the best insurance for your KIA SPECTRA vehicle, it is more important than ever to compare the available options.
Premiums are highest for the Kia Spectra in Sherbrooke ($489) and Trois-Rivières ($354), while Quebec City ($219) and Montreal ($239) show the lowest amounts. Gatineau sits at an intermediate level ($317).
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 |
| QUÉBEC | $219.09 |
| SHERBROOKE | $489.41 |
| TROIS-RIVIÈRES | $354.25 |
Average premium paid by our clients for each model year, over the last 5 years. Select a year to see its detailed statistics.
| Model year | Average premium |
|---|---|
| KIA SPECTRA 2009 | $506.29 |
| KIA SPECTRA 2008 | $352.58 |
| KIA SPECTRA 2007 | $360.09 |
| KIA SPECTRA 2006 | $396.32 |
| KIA SPECTRA 2005 | $416.27 |
To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :
The premiums above cover every version of the KIA SPECTRA, so that each average rests on enough quotes. Here are the versions this page includes.
| Version | Model years |
|---|---|
| SEPHIA 4DR | 2001 |
| SEPHIA L 4DR | 2001 |
| SEPHIA LS 4DR | 2001 |
| SPECTRA 4DR | 2001 - 2004 |
| SPECTRA EX 4DR | 2004 - 2009 |
| SPECTRA EX-L 4DR | 2005 |
| SPECTRA GS 5DR | 2001 - 2004 |
| SPECTRA GSX 5DR | 2001 - 2004 |
| SPECTRA LS 4DR | 2002 - 2004 |
| SPECTRA LX 4DR | 2004 - 2009 |
| SPECTRA RS 4DR | 2004 |
| SPECTRA5 5DR | 2005 |
SPECTRA5 EX 5DR (2006 - 2007), SPECTRA5 LX 5DR (2007 - 2009), SPECTRA5 SX 5DR (2005 - 2009)
Disclaimer: This article is intended for information purposes, with the sole objective of providing food for thought. Under no circumstances should it be construed as advice regarding insurance solutions. Only a duly certified insurance professional is qualified to analyze your personal situation, discuss your needs with you and advise you on insurance solutions.
