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 $1,430 per year on average, or about $119 per month, for a policy with full coverage.
  • With a car insurance cost range of $112, the cheapest Seltos model to insure is the LX at around $1,376 per year, and the most expensive trim being the SX at $1,488 annually.
  • The 2023 Kia Seltos is one of the cheaper small SUVs to insure, costing $176 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 $1,430 annually for full coverage, or around $119 if paid each month.

With the average small SUV costing $1,606 a year to insure, the Kia Seltos would save an average of $176 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 December 30, 2022
Kia Seltos Insurance Cost Summary
2023 Kia Seltos Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,244$270
Safe Driver Age 20$2,840$237
At-fault Accidents Age 40$2,018$168
Low Deductibles Age 40$1,848$154
Safe Driver Age 30$1,502$125
Safe Driver Age 40$1,430$119
Safe Driver Age 50$1,306$109
Safe Driver Age 60$1,280$107
High Deductibles Age 40$1,214$101
Discount Rate Age 40$1,188$99

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$1,376$688$115
S$1,376$688$115
EX$1,446$723$121
Nightfall Edition$1,464$732$122
SX$1,488$744$124

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 February 5, 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 $1,430 per year to insure for full coverage, while the segment average price is $1,606 annually, a difference of $176 per year.

When compared to other small SUVs, insurance rates for a Kia Seltos cost $204 less per year than the Toyota RAV4, $66 less than the Honda CR-V, and $158 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$1,334-$96
2Subaru Crosstrek$1,346-$84
3Nissan Kicks$1,354-$76
4Nissan Rogue Sport$1,378-$52
5Mazda CX-5$1,386-$44
6Buick Encore$1,406-$24
7Buick Envision$1,410-$20
8Kia Seltos$1,430--
9Hyundai Venue$1,440$10
10Honda HR-V$1,464$34
11Hyundai Kona$1,480$50
12Subaru Forester$1,486$56
13Honda CR-V$1,496$66
14Mazda CX-30$1,498$68
15Chevrolet Trax$1,514$84
16Volkswagen Tiguan$1,532$102
17Ford Bronco Sport$1,536$106
18Fiat 500X$1,564$134
19GMC Terrain$1,566$136
20Kia Soul$1,568$138
21Mitsubishi Eclipse Cross$1,572$142
22Chevrolet Equinox$1,588$158
23Toyota Corolla Cross$1,592$162
24Volkswagen Taos$1,600$170
25Mazda CX-50$1,610$180
26Hyundai Tucson$1,614$184
27Ford Escape$1,616$186
28Nissan Rogue$1,622$192
29Toyota RAV4$1,634$204
30Mazda MX-30$1,636$206
31Kia Niro$1,638$208
32Mini Cooper$1,648$218
33Jeep Compass$1,652$222
34Mini Cooper Clubman$1,674$244
35Jeep Renegade$1,698$268
36Chevrolet Bolt$1,710$280
37Toyota bz4X$1,716$286
38Kia Sportage$1,760$330
39Hyundai Ioniq 5$1,764$334
40Mini Cooper Countryman$1,812$382
41Mitsubishi Mirage$1,818$388
42Mitsubishi Outlander$1,820$390
43Volkswagen ID4$1,832$402
44Kia EV6$1,870$440
45Dodge Hornet$1,872$442
46Hyundai Nexo$1,938$508
47Ford Mustang Mach-E$1,996$566

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 December 30, 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 $242 per year on Kia Seltos insurance.
  • Cheaper rates come with better credit scores. Having a credit score over 800 could save as much as $225 per year when compared to a decent credit rating of 670-739. Conversely, a credit score below 579 could cost around $260 more per year.
  • Negligent drivers pay higher insurance rates. Causing frequent accidents will increase insurance cost, possibly up to $662 per year for a 30-year-old driver and even $464 per year for a 50-year-old driver.
  • Teenage drivers are expensive to insure. Average rates for full coverage Seltos insurance costs $5,170 per year for a 16-year-old driver, $4,820 per year for a 17-year-old driver, $4,496 per year for an 18-year-old driver, and $4,058 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 $1,742 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 ($1,430 per year) and a 20-year-old driver ($2,840 per year) is $1,410, or a savings of 66%.