Kia Seltos Car Insurance Calculator

Learn and understand how life choices impact the cost of car insurance for a Kia Seltos. Experiment with factors like credit rating, policy coverages, liability limits, and coverage deductibles. Know immediately if and why rates increase from the option you changed.

The average estimated car insurance premium for a 2024 Kia Seltos is $2,094 per year, or about $175 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,094

Cost Per Month

$175

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Kia Seltos Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a Kia Seltos.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,094
Average Rate
Your Rate
$2,094

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Kia Seltos.

The 'Average Rate' is a combined value for all Kia Seltos trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2024 Kia Seltos is $2,094.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2024 Kia Seltos vs. the Small SUV Segment

The table below compares insurance rates for the 2024 Kia Seltos against all other models in the small SUV segment. The Kia Seltos is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Kia Seltos, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Kia Seltos.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2024 Kia Seltos Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Subaru Crosstrek$1,730-$364
2Chevrolet Trailblazer$1,760-$334
3Kia Soul$1,826-$268
4Nissan Kicks$1,844-$250
5Buick Envision$1,878-$216
6Toyota Corolla Cross$1,888-$206
7Hyundai Venue$1,902-$192
8Mazda CX-5$1,910-$184
9Ford Bronco Sport$1,918-$176
10Volkswagen Tiguan$1,938-$156
11Buick Encore$1,988-$106
12Honda CR-V$1,996-$98
13Volkswagen Taos$2,008-$86
14Kia Niro$2,014-$80
15Honda HR-V$2,040-$54
16Subaru Forester$2,084-$10
17Kia Seltos$2,094--
18GMC Terrain$2,096$2
19Nissan Rogue$2,106$12
20Hyundai Kona$2,110$16
21Mazda CX-30$2,114$20
22Volkswagen ID4$2,124$30
23Ford Escape$2,138$44
2024 Small SUV Average$2,154$60
24Chevrolet Equinox$2,158$64
25Toyota RAV4$2,162$68
26Mazda MX-30$2,172$78
27Hyundai Tucson$2,176$82
28Chevrolet Trax$2,210$116
29Mini Cooper Clubman$2,220$126
30Mini Cooper$2,226$132
31Mitsubishi Eclipse Cross$2,246$152
32Jeep Renegade$2,252$158
33Mitsubishi Outlander$2,280$186
34Kia Sportage$2,294$200
35Hyundai Ioniq 5$2,302$208
36Nissan Ariya$2,304$210
37Fiat 500X$2,310$216
38Mini Cooper Countryman$2,318$224
39Subaru Solterra$2,320$226
40Mazda CX-50$2,326$232
41Toyota bz4X$2,330$236
42Mitsubishi Mirage$2,342$248
43Kia EV6$2,416$322
44Dodge Hornet$2,492$398
45Jeep Compass$2,536$442
46Hyundai Nexo$2,584$490
47Ford Mustang Mach-E$2,742$648

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2024 Seltos Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2024 Kia Seltos.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2024 Kia Seltos Insurance Rates by Trim Level
2024 Kia Seltos Trim Level Annual Premium Cost Per Month
LX$2,024$169
S$2,044$170
EX$2,072$173
X-Line$2,148$179
SX$2,178$182

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2024 Kia Seltos for different driver ages.

2024 Kia Seltos Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,540$628
17$7,270$606
18$6,450$538
19$5,902$492
20$4,504$375
21$4,296$358
22$3,839$320
23$3,177$265
24$2,992$249
25$2,426$202
30$2,224$185
35$2,152$179
40$2,094$175
45$1,960$163
50$1,860$155
55$1,736$145
60$1,740$145
65$1,852$154
70$2,014$168
75$2,384$199
80$2,940$245

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Kia Seltos trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Kia Seltos.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Kia Seltos Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2024 Kia Seltos$2,094$175
2023 Kia Seltos$1,844$154
2022 Kia Seltos$1,820$152
2021 Kia Seltos$1,884$157

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Kia Seltos trim levels for each model year.