Kia Seltos Car Insurance Rates for 2022

How much does car insurance for a Kia Seltos cost? We analyze rates from the base Seltos LX up to the more appointed SX Turbo model to discover how average prices stack up against all other compact SUVs.

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  • Kia Seltos insurance costs $1,300 per year on average, or about $108 per month, for a policy with full coverage.
  • With a car insurance cost range of $150, the cheapest Seltos model to insure is the LX at around $1,206 per year, and the most expensive trim being the SX Turbo at $1,356 annually.
  • The 2022 Kia Seltos is one of the cheaper small SUVs to insure, costing $126 less per year on average as compared to the rest of the vehicles in the segment.

How much does Kia Seltos insurance cost?

Ranked #10 out of 46 vehicles in the 2022 small SUV class, Kia Seltos insurance costs an average of $1,300 annually for full coverage, or around $108 if paid each month.

With the average small SUV costing $1,426 a year to insure, the Kia Seltos would save an average of $126 on an annual basis when compared to other compact SUV models.

The following chart shows average 2022 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 2022 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 June 24, 2022
Kia Seltos Insurance Cost Summary
Kia Seltos Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$2,938$245
Safe Driver Age 20$2,574$215
At-fault Accidents Age 40$1,832$153
Low Deductibles Age 40$1,680$140
Safe Driver Age 30$1,368$114
Safe Driver Age 40$1,300$108
Safe Driver Age 50$1,184$99
Safe Driver Age 60$1,164$97
High Deductibles Age 40$1,104$92
Discount Rate Age 40$1,080$90

The next table displays average annual and 6-month full coverage Kia Seltos car insurance rates, plus a monthly budget figure, for each 2022 model year trim level.

2022 Kia Seltos Insurance Cost by Trim Level
Kia Seltos Trim Level Annual Policy 6-month Policy Per Month
LX$1,206$603$101
S$1,298$649$108
EX$1,316$658$110
Nightfall Edition$1,324$662$110
SX Turbo$1,356$678$113

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 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 June 24, 2022
Kia Seltos Insurance Cost by Trim Level

How do Kia Seltos insurance prices rank?

The Kia Seltos ranks #10 out of 46 comparison vehicles in the 2022 small SUV class for most affordable car insurance cost. The Seltos costs an average of $1,300 per year to insure for full coverage, while the segment average price is $1,426 annually, a difference of $126 per year.

When compared to other small SUVs, insurance rates for a Kia Seltos cost $140 less per year than the Toyota RAV4, $36 less than the Honda CR-V, and $124 less than the Chevrolet Equinox.

The table displayed below shows how car insurance rates for a Seltos compare to the top-selling small SUVs in America like the Nissan Rogue, Ford Escape, and the Jeep Wrangler.

Insurance Cost Comparison: Kia Seltos vs Small SUVs
Rank Make/Model Insurance Cost Difference
1Mazda CX-5$1,158-$142
2Nissan Kicks$1,190-$110
3Chevrolet Trailblazer$1,196-$104
4Subaru Crosstrek$1,224-$76
5Toyota C-HR$1,254-$46
6Buick Encore$1,260-$40
7Nissan Rogue Sport$1,272-$28
8Hyundai Venue$1,294-$6
9Buick Envision$1,298-$2
10Kia Seltos$1,300--
11Toyota Corolla Cross$1,310$10
12Hyundai Kona$1,318$18
13Subaru Forester$1,320$20
14Volkswagen Tiguan$1,324$24
15Honda CR-V$1,336$36
16Mazda CX-30$1,350$50
17Honda HR-V$1,370$70
18Ford Ecosport$1,380$80
19Chevrolet Trax$1,398$98
20GMC Terrain$1,404$104
21Mitsubishi Eclipse Cross$1,408$108
22Hyundai Tucson$1,416$116
23Chevrolet Bolt$1,420$120
24Chevrolet Equinox$1,424$124
25Volkswagen Taos$1,428$128
26Fiat 500X$1,434$134
27Toyota RAV4$1,440$140
28Kia Soul$1,442$142
29Mazda MX-30$1,472$172
30Jeep Compass$1,478$178
31Kia Niro$1,480$180
32Nissan Rogue$1,492$192
33Ford Escape$1,498$198
34Hyundai Ioniq 5$1,514$214
35Mini Cooper Clubman$1,516$216
36Jeep Renegade$1,518$218
37Kia Sportage$1,524$224
38Ford Bronco$1,532$232
39Volkswagen ID4$1,554$254
40Mini Cooper$1,564$264
41Mini Cooper Countryman$1,582$282
42Mitsubishi Outlander$1,640$340
43Mitsubishi Mirage$1,658$358
44Ford Mustang Mach-E$1,726$426
45Hyundai Nexo$1,744$444
46Jeep Wrangler$1,746$446

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 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, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on June 24, 2022
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 $220 per year on Kia Seltos insurance.
  • Cheaper rates come with better credit scores. Having a credit score over 800 could save as much as $204 per year when compared to a decent credit rating of 670-739. Conversely, a credit score below 579 could cost around $237 more per year.
  • Negligent drivers pay higher insurance rates. Causing frequent accidents will increase insurance cost, possibly up to $596 per year for a 30-year-old driver and even $414 per year for a 50-year-old driver.
  • Teenage drivers are expensive to insure. Average rates for full coverage Seltos insurance costs $4,666 per year for a 16-year-old driver, $4,352 per year for a 17-year-old driver, $4,060 per year for a 18-year-old driver, and $3,668 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 $1,570 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 ($1,300 per year) and a 20-year-old driver ($2,574 per year) is $1,274, or a savings of 49.5%.