- Kia Seltos insurance costs $1,466 per year on average, or about $122 per month, for a policy with full coverage.
- With a car insurance cost range of $114, the cheapest Seltos model to insure is the LX at around $1,410 per year, and the most expensive trim being the SX at $1,524 annually.
- The 2023 Kia Seltos is one of the cheaper small SUVs to insure, costing $183 less per year on average as compared to the rest of the vehicles in the segment.
How much does Kia Seltos insurance cost?
Ranked eighth out of 47 vehicles in the 2023 small SUV class, Kia Seltos insurance costs an average of $1,466 annually for full coverage, or around $122 if paid each month.
With the average small SUV costing $1,649 a year to insure, the Kia Seltos would save an average of $183 on an annual basis when compared to other compact SUV models.
The following chart shows average 2023 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 2023 model year trim level.
| Kia Seltos Trim Level | Annual Policy | Six-Month Policy | Per Month |
|---|---|---|---|
| LX | $1,410 | $705 | $118 |
| S | $1,410 | $705 | $118 |
| EX | $1,486 | $743 | $124 |
| Nightfall Edition | $1,500 | $750 | $125 |
| SX | $1,524 | $762 | $127 |
How do Kia Seltos insurance prices rank?
The Kia Seltos ranks eighth out of 47 comparison vehicles in the 2023 small SUV class for most affordable car insurance cost. The Seltos costs an average of $1,466 per year to insure for full coverage, while the segment average price is $1,649 annually, a difference of $183 per year.
When compared to other small SUVs, insurance rates for a Kia Seltos cost $210 less per year than the Toyota RAV4, $68 less than the Honda CR-V, and $164 less than the Chevrolet Equinox.
The table displayed below shows how car insurance rates for a Seltos compare to all 47 compact SUVs for 2023.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Chevrolet Trailblazer | $1,370 | -$96 |
| 2 | Subaru Crosstrek | $1,380 | -$86 |
| 3 | Nissan Kicks | $1,386 | -$80 |
| 4 | Nissan Rogue Sport | $1,412 | -$54 |
| 5 | Mazda CX-5 | $1,422 | -$44 |
| 6 | Buick Encore | $1,442 | -$24 |
| 7 | Buick Envision | $1,446 | -$20 |
| 8 | Kia Seltos | $1,466 | -- |
| 9 | Hyundai Venue | $1,478 | $12 |
| 10 | Honda HR-V | $1,508 | $42 |
| 11 | Hyundai Kona | $1,518 | $52 |
| 12 | Subaru Forester | $1,526 | $60 |
| 13 | Honda CR-V | $1,534 | $68 |
| 14 | Mazda CX-30 | $1,538 | $72 |
| 15 | Chevrolet Trax | $1,558 | $92 |
| 16 | Volkswagen Tiguan | $1,572 | $106 |
| 17 | Ford Bronco Sport | $1,576 | $110 |
| 18 | Fiat 500X | $1,606 | $140 |
| 19 | GMC Terrain | $1,608 | $142 |
| 20 | Kia Soul | $1,614 | $148 |
| 21 | Mitsubishi Eclipse Cross | $1,616 | $150 |
| 22 | Chevrolet Equinox | $1,630 | $164 |
| 23 | Toyota Corolla Cross | $1,634 | $168 |
| 24 | Volkswagen Taos | $1,640 | $174 |
| 25 | Mazda CX-50 | $1,652 | $186 |
| 26 | Hyundai Tucson | $1,656 | $190 |
| 27 | Ford Escape | $1,660 | $194 |
| 28 | Nissan Rogue | $1,666 | $200 |
| 29 | Toyota RAV4 | $1,676 | $210 |
| 30 | Mazda MX-30 | $1,680 | $214 |
| 31 | Kia Niro | $1,682 | $216 |
| 32 | Mini Cooper | $1,690 | $224 |
| 33 | Jeep Compass | $1,700 | $234 |
| 34 | Mini Cooper Clubman | $1,720 | $254 |
| 35 | Jeep Renegade | $1,746 | $280 |
| 36 | Chevrolet Bolt | $1,756 | $290 |
| 37 | Toyota bz4X | $1,758 | $292 |
| 38 | Kia Sportage | $1,810 | $344 |
| 39 | Hyundai Ioniq 5 | $1,814 | $348 |
| 40 | Mini Cooper Countryman | $1,860 | $394 |
| 41 | Mitsubishi Mirage | $1,868 | $402 |
| 42 | Mitsubishi Outlander | $1,872 | $406 |
| 43 | Volkswagen ID4 | $1,880 | $414 |
| 44 | Kia EV6 | $1,920 | $454 |
| 45 | Dodge Hornet | $1,922 | $456 |
| 46 | Hyundai Nexo | $1,990 | $524 |
| 47 | Ford Mustang Mach-E | $2,048 | $582 |
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 $246 per year on Kia Seltos insurance.
- Cheaper rates come with better credit scores. Having a credit score over 800 could save as much as $230 per year when compared to a decent credit rating of 670-739. Conversely, a credit score below 579 could cost around $267 more per year.
- Negligent drivers pay higher insurance rates. Causing frequent accidents will increase insurance cost, possibly up to $680 per year for a 30-year-old driver and even $476 per year for a 50-year-old driver.
- Teenage drivers are expensive to insure. Average rates for full coverage Seltos insurance costs $5,308 per year for a 16-year-old driver, $4,948 per year for a 17-year-old driver, $4,616 per year for an 18-year-old driver, and $4,168 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 $1,790 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 ($1,466 per year) and a 20-year-old driver ($2,916 per year) is $1,450, or a savings of 66.2%.
