- Kia Seltos insurance costs $2,144 per year on average, or about $179 per month, for a policy with full coverage.
- With a car insurance cost range of $158, the cheapest Seltos model to insure is the LX at around $2,072 per year, and the most expensive trim being the SX at $2,230 annually.
- The 2024 Kia Seltos is one of the cheaper small SUVs to insure, costing $62 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 $2,144 annually for full coverage, or around $179 if paid each month.
With the average small SUV costing $2,206 a year to insure, the Kia Seltos would save an average of $62 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.
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 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| LX | $2,072 | $173 |
| S | $2,092 | $174 |
| EX | $2,120 | $177 |
| X-Line | $2,202 | $184 |
| SX | $2,230 | $186 |
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 October 24, 2025
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 $2,144 per year to insure for full coverage, while the segment average price is $2,206 annually, a difference of $62 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 $66 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.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,772 | -$372 |
| 2 | Chevrolet Trailblazer | $1,804 | -$340 |
| 3 | Kia Soul | $1,872 | -$272 |
| 4 | Nissan Kicks | $1,888 | -$256 |
| 5 | Buick Envision | $1,922 | -$222 |
| 6 | Toyota Corolla Cross | $1,932 | -$212 |
| 7 | Hyundai Venue | $1,950 | -$194 |
| 8 | Mazda CX-5 | $1,956 | -$188 |
| 9 | Ford Bronco Sport | $1,966 | -$178 |
| 10 | Volkswagen Tiguan | $1,984 | -$160 |
| 11 | Buick Encore | $2,038 | -$106 |
| 12 | Honda CR-V | $2,046 | -$98 |
| 13 | Volkswagen Taos | $2,056 | -$88 |
| 14 | Kia Niro | $2,066 | -$78 |
| 15 | Honda HR-V | $2,088 | -$56 |
| 16 | Subaru Forester | $2,134 | -$10 |
| 17 | Kia Seltos | $2,144 | -- |
| 18 | GMC Terrain | $2,148 | $4 |
| 19 | Nissan Rogue | $2,154 | $10 |
| 20 | Hyundai Kona | $2,158 | $14 |
| 21 | Mazda CX-30 | $2,164 | $20 |
| 22 | Volkswagen ID4 | $2,176 | $32 |
| 23 | Ford Escape | $2,188 | $44 |
| 24 | Chevrolet Equinox | $2,210 | $66 |
| 25 | Toyota RAV4 | $2,212 | $68 |
| 26 | Mazda MX-30 | $2,226 | $82 |
| 27 | Hyundai Tucson | $2,232 | $88 |
| 28 | Chevrolet Trax | $2,264 | $120 |
| 29 | Mini Cooper Clubman | $2,274 | $130 |
| 30 | Mini Cooper | $2,278 | $134 |
| 31 | Mitsubishi Eclipse Cross | $2,302 | $158 |
| 32 | Jeep Renegade | $2,308 | $164 |
| 33 | Mitsubishi Outlander | $2,336 | $192 |
| 34 | Kia Sportage | $2,350 | $206 |
| 35 | Hyundai Ioniq 5 | $2,358 | $214 |
| 36 | Fiat 500X | $2,368 | $224 |
| 37 | Mini Cooper Countryman | $2,374 | $230 |
| 38 | Subaru Solterra | $2,376 | $232 |
| 39 | Mazda CX-50 | $2,380 | $236 |
| 40 | Nissan Ariya | $2,386 | $242 |
| 41 | Toyota bz4X | $2,390 | $246 |
| 42 | Mitsubishi Mirage | $2,398 | $254 |
| 43 | Kia EV6 | $2,474 | $330 |
| 44 | Dodge Hornet | $2,554 | $410 |
| 45 | Jeep Compass | $2,594 | $450 |
| 46 | Hyundai Nexo | $2,648 | $504 |
| 47 | Ford Mustang Mach-E | $2,806 | $662 |
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 October 24, 2025
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 $366 per year on Kia Seltos insurance.
- Cheaper rates come with better credit scores. Having a credit score over 800 could save as much as $337 per year when compared to a decent credit rating of 670-739. Conversely, a credit score below 579 could cost around $390 more per year.
- Negligent drivers pay higher insurance rates. Causing frequent accidents will increase insurance cost, possibly up to $1,040 per year for a 30-year-old driver and even $666 per year for a 50-year-old driver.
- Teenage drivers are expensive to insure. Average rates for full coverage Seltos insurance costs $7,724 per year for a 16-year-old driver, $7,450 per year for a 17-year-old driver, $6,609 per year for an 18-year-old driver, and $6,046 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 $2,654 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 ($2,144 per year) and a 20-year-old driver ($4,310 per year) is $2,166, or a savings of 67.1%.