Kia Seltos Car Insurance Rates for 2023

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 2023 Seltos to discover how the average cost measures up to the competition.

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  • 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on August 12, 2023
Kia Seltos Insurance Cost Summary
2023 Kia Seltos Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,332$278
Safe Driver Age 20$2,916$243
At-fault Accidents Age 40$2,072$173
Low Deductibles Age 40$1,896$158
Safe Driver Age 30$1,542$129
Safe Driver Age 40$1,466$122
Safe Driver Age 50$1,336$111
Safe Driver Age 60$1,314$110
High Deductibles Age 40$1,246$104
Discount Rate Age 40$1,220$102

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.

2023 Kia Seltos Insurance Cost by 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

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Kia Seltos, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 12, 2023
Kia Seltos Insurance Cost by Trim Level

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.

Insurance Cost Comparison: Kia Seltos vs Small SUVs
Rank Make/Model Insurance Cost Difference
1Chevrolet Trailblazer$1,370-$96
2Subaru Crosstrek$1,380-$86
3Nissan Kicks$1,386-$80
4Nissan Rogue Sport$1,412-$54
5Mazda CX-5$1,422-$44
6Buick Encore$1,442-$24
7Buick Envision$1,446-$20
8Kia Seltos$1,466--
9Hyundai Venue$1,478$12
10Honda HR-V$1,508$42
11Hyundai Kona$1,518$52
12Subaru Forester$1,526$60
13Honda CR-V$1,534$68
14Mazda CX-30$1,538$72
15Chevrolet Trax$1,558$92
16Volkswagen Tiguan$1,572$106
17Ford Bronco Sport$1,576$110
18Fiat 500X$1,606$140
19GMC Terrain$1,608$142
20Kia Soul$1,614$148
21Mitsubishi Eclipse Cross$1,616$150
22Chevrolet Equinox$1,630$164
23Toyota Corolla Cross$1,634$168
24Volkswagen Taos$1,640$174
25Mazda CX-50$1,652$186
26Hyundai Tucson$1,656$190
27Ford Escape$1,660$194
28Nissan Rogue$1,666$200
29Toyota RAV4$1,676$210
30Mazda MX-30$1,680$214
31Kia Niro$1,682$216
32Mini Cooper$1,690$224
33Jeep Compass$1,700$234
34Mini Cooper Clubman$1,720$254
35Jeep Renegade$1,746$280
36Chevrolet Bolt$1,756$290
37Toyota bz4X$1,758$292
38Kia Sportage$1,810$344
39Hyundai Ioniq 5$1,814$348
40Mini Cooper Countryman$1,860$394
41Mitsubishi Mirage$1,868$402
42Mitsubishi Outlander$1,872$406
43Volkswagen ID4$1,880$414
44Kia EV6$1,920$454
45Dodge Hornet$1,922$456
46Hyundai Nexo$1,990$524
47Ford Mustang Mach-E$2,048$582

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on the 2023 model year, with the rated driver being a 40-year-old married male with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to rates, which are averaged for all vehicle trim levels. Full-coverage physical damage deductibles are $500 and rates are also averaged for all U.S. states.Data last updated on August 12, 2023
Insurance Cost Comparison: Kia Seltos vs Small SUVs

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%.