Kia Seltos Insurance: 2025 Rates, Insights, Comparisons

How affordable are insurance rates for a Kia Seltos?

From the LX trim level to the high end SX trim, we surveyed insurance rates for the Seltos to discover how it measures up to the competition.

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  • Kia Seltos insurance costs $2,094 per year on average, or about $175 per month, for a policy with full coverage.
  • With a car insurance cost range of $154, the cheapest Seltos model to insure is the LX at around $2,024 per year, and the most expensive trim being the SX at $2,178 annually.
  • The 2024 Kia Seltos is one of the cheaper small SUVs to insure, costing $60 less per year on average as compared to the rest of the vehicles in the segment.

How much does Kia Seltos insurance cost?

Ranked 17th out of 47 vehicles in the 2024 small SUV class, Kia Seltos insurance costs an average of $2,094 annually for full coverage, or around $175 if paid each month.

With the average small SUV costing $2,154 a year to insure, the Kia Seltos would save an average of $60 on an annual basis when compared to other compact SUV models.

The following chart shows average 2024 Kia Seltos insurance cost using a range of driver ages and risk profiles.

Average 2024 Kia Seltos insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2024 Kia Seltos insurance premiums for different driver ages and risk scenarios. Rates updated on June 27, 2025.

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Data Methodology: Average rates are for a 2024 model year Kia Seltos with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Kia Seltos trim levels.

2024 Kia Seltos Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,814$401
Safe Driver Age 20$4,204$350
At-fault Accidents Age 40$2,974$248
Low Deductibles Age 40$2,694$225
Safe Driver Age 30$2,224$185
Safe Driver Age 40$2,094$175
Safe Driver Age 50$1,860$155
High Deductibles Age 40$1,784$149
Safe Driver Age 60$1,740$145
Discount Rate Age 40$1,738$145

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Kia Seltos trim levels. Updated June 27, 2025

The next table displays average annual and 6-month full coverage Kia Seltos car insurance rates, plus a monthly budget figure, for each 2024 model year trim level.

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. Updated June 27, 2025

Insurance cost by trim level for a 2024 Kia Seltos ranging from the LX model at $2,024 per year to the SX model at $2,178
Insurance cost by trim level for a 2024 Kia Seltos ranging from the LX model at $2,024 per year to the SX model at $2,178

How do Kia Seltos insurance prices rank?

The Kia Seltos ranks 17th out of 47 comparison vehicles in the 2024 small SUV class for most affordable car insurance cost. The Seltos costs an average of $2,094 per year to insure for full coverage, while the segment average price is $2,154 annually, a difference of $60 per year.

When compared to other small SUVs, insurance rates for a Kia Seltos cost $68 less per year than the Toyota RAV4, $98 more than the Honda CR-V, and $64 less than the Chevrolet Equinox.

The table displayed below shows how car insurance rates for a Seltos compare to all 47 compact SUVs for 2024.

Insurance Cost Comparison: Kia Seltos vs Small SUVs
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
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 vehicle from the 2024 model year. Updated June 26, 2025

At $2,094 per year, insurance cost for a 2024 Kia Seltos ranks 17th out of 47 models in the small SUV segment
At $2,094 per year, insurance cost for a 2024 Kia Seltos ranks 17th out of 47 models in the small SUV segment

Supplementary rates and discounts

Some other key data observations relative to Kia Seltos insurance cost include:

  • Earn policy discounts to save money. Discounts may be available if the insureds belong to certain professional organizations, are good students, are homeowners, insure multiple vehicles on the same policy, or many other policy discounts which could save the average driver as much as $356 per year on Kia Seltos insurance.
  • Cheaper rates come with better credit scores. Having a credit score over 800 could save as much as $329 per year when compared to a decent credit rating of 670-739. Conversely, a credit score below 579 could cost around $381 more per year.
  • Negligent drivers pay higher insurance rates. Causing frequent accidents will increase insurance cost, possibly up to $1,016 per year for a 30-year-old driver and even $650 per year for a 50-year-old driver.
  • Teenage drivers are expensive to insure. Average rates for full coverage Seltos insurance costs $7,540 per year for a 16-year-old driver, $7,270 per year for a 17-year-old driver, $6,450 per year for an 18-year-old driver, and $5,902 per year for a 19-year-old driver.
  • Car insurance for high-risk drivers is expensive. For a 30-year-old driver, the need to buy a high-risk policy can increase the cost by $2,590 or more per year.
  • Getting older means more affordable car insurance rates. The difference in insurance cost on a Seltos between a 40-year-old driver ($2,094 per year) and a 20-year-old driver ($4,204 per year) is $2,110, or a savings of 67%.