2021 Kia Seltos Car Insurance Calculator

See and learn how changing risk factors impact the insurance cost for a 2021 Kia Seltos. Customize choices like credit rating, policy coverages, and liability limits and watch the impact on your premiums. See instantly if the choices you make are positive or negative.

The average estimated car insurance premium for a 2021 Kia Seltos is $1,884 per year, or about $157 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

$1,884

Cost Per Month

$157

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 2021 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.

$1,884
Average Rate
Your Rate
$1,884

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.

The 'Average Rate' is a combined value for all 2021 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 2021 Kia Seltos is $1,884.

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.

2021 Kia Seltos vs. the Small SUV Segment

The table below compares insurance rates for the 2021 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.

2021 Kia Seltos Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mazda CX-3$1,624-$260
2Honda CR-V$1,688-$196
3Mazda CX-5$1,712-$172
4Mazda CX-30$1,714-$170
5Ford Ecosport$1,720-$164
6Toyota C-HR$1,726-$158
7Nissan Rogue Sport$1,736-$148
8Chevrolet Trax$1,744-$140
9Buick Envision$1,756-$128
10Nissan Kicks$1,760-$124
11Hyundai Kona$1,762-$122
12Hyundai Venue$1,768-$116
13Hyundai Tucson$1,770-$114
14Kia Sportage$1,774-$110
15Jeep Compass$1,780-$104
16Kia Soul$1,788-$96
17Mitsubishi Eclipse Cross$1,792-$92
18Chevrolet Equinox$1,794-$90
19Chevrolet Trailblazer$1,804-$80
20Honda HR-V$1,824-$60
21Volkswagen Tiguan$1,830-$54
22Subaru Forester$1,846-$38
23Nissan Rogue$1,864-$20
24Ford Escape$1,868-$16
25GMC Terrain$1,872-$12
26Subaru Crosstrek$1,876-$8
27Kia Seltos$1,884--
2021 Small SUV Average$1,890$6
28Buick Encore$1,914$30
29Volkswagen ID4$1,932$48
30Fiat 500X$1,940$56
31Ford Bronco Sport$1,946$62
32Jeep Renegade$1,956$72
33Toyota RAV4$2,020$136
34Kia Niro$2,032$148
35Mini Cooper Countryman$2,078$194
36Mini Cooper$2,126$242
37Mitsubishi Mirage$2,152$268
38Chevrolet Bolt$2,160$276
39Mini Cooper Clubman$2,310$426
40Mitsubishi Outlander$2,350$466
41Hyundai Nexo$2,504$620

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.

2021 Seltos Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 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.

2021 Kia Seltos Insurance Rates by Trim Level
2021 Kia Seltos Trim Level Annual Premium Cost Per Month
LX$1,808$151
S FWD$1,826$152
S AWD$1,872$156
EX$1,892$158
S Turbo$1,938$162
SX Turbo$1,966$164

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 2021 Kia Seltos for different driver ages.

2021 Kia Seltos Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,899$575
17$6,637$553
18$5,859$488
19$5,362$447
20$4,080$340
21$3,890$324
22$3,465$289
23$2,868$239
24$2,698$225
25$2,186$182
30$1,998$167
35$1,938$162
40$1,884$157
45$1,768$147
50$1,680$140
55$1,568$131
60$1,574$131
65$1,676$140
70$1,828$152
75$2,182$182
80$2,696$225

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.