2023 Kia Seltos Car Insurance Calculator

Monitor in real-time how changes to risk factors and vehicle options impact the cost of insurance for a 2023 Kia Seltos. Change policy coverages, liability limits, deductibles, and driver's age plus many other factors. Instantly see whether your choice increases or decreases the cost of insurance.

The average estimated car insurance premium for a 2023 Kia Seltos is $1,844 per year, or about $154 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

$1,844

Cost Per Month

$154

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 2023 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.

$1,844
Average Rate
Your Rate
$1,844

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 2023 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 2023 Kia Seltos is $1,844.

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.

2023 Kia Seltos vs. the Small SUV Segment

The table below compares insurance rates for the 2023 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.

2023 Kia Seltos Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Chevrolet Trailblazer$1,722-$122
2Subaru Crosstrek$1,740-$104
3Nissan Kicks$1,744-$100
4Nissan Rogue Sport$1,776-$68
5Mazda CX-5$1,794-$50
6Buick Encore$1,814-$30
7Buick Envision$1,822-$22
8Kia Seltos$1,844--
9Hyundai Venue$1,854$10
10Honda HR-V$1,886$42
11Hyundai Kona$1,910$66
12Subaru Forester$1,926$82
13Honda CR-V$1,932$88
14Mazda CX-30$1,936$92
15Chevrolet Trax$1,950$106
16Volkswagen Tiguan$1,978$134
17Ford Bronco Sport$1,984$140
18Fiat 500X$2,018$174
19Kia Soul$2,022$178
20GMC Terrain$2,024$180
21Mitsubishi Eclipse Cross$2,034$190
22Chevrolet Equinox$2,048$204
23Toyota Corolla Cross$2,056$212
24Volkswagen Taos$2,062$218
25Mazda CX-50$2,064$220
2023 Small SUV Average$2,073$229
26Hyundai Tucson$2,082$238
27Ford Escape$2,086$242
28Nissan Rogue$2,094$250
29Kia Niro$2,110$266
30Toyota RAV4$2,112$268
31Mazda MX-30$2,116$272
32Mini Cooper$2,126$282
33Jeep Compass$2,130$286
34Mini Cooper Clubman$2,162$318
35Jeep Renegade$2,192$348
36Chevrolet Bolt$2,206$362
37Toyota bz4X$2,216$372
38Hyundai Ioniq 5$2,260$416
39Kia Sportage$2,270$426
40Mini Cooper Countryman$2,338$494
41Mitsubishi Mirage$2,340$496
42Mitsubishi Outlander$2,352$508
43Volkswagen ID4$2,366$522
44Kia EV6$2,416$572
45Dodge Hornet$2,418$574
46Hyundai Nexo$2,508$664
47Ford Mustang Mach-E$2,576$732

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.

2023 Seltos Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 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.

2023 Kia Seltos Insurance Rates by Trim Level
2023 Kia Seltos Trim Level Annual Premium Cost Per Month
LX$1,774$148
S$1,774$148
EX$1,866$156
Nightfall Edition$1,888$157
SX$1,920$160

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 2023 Kia Seltos for different driver ages.

2023 Kia Seltos Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,638$553
17$6,410$534
18$5,707$476
19$5,208$434
20$3,980$332
21$3,796$316
22$3,392$283
23$2,799$233
24$2,641$220
25$2,138$178
30$1,962$164
35$1,898$158
40$1,844$154
45$1,728$144
50$1,640$137
55$1,534$128
60$1,536$128
65$1,636$136
70$1,770$148
75$2,096$175
80$2,584$215

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.