Best Kia Spectra5 Auto Insurance Rates 2021

The price of car insurance for the Kia Spectra5 depends on a lot of factors. Among the things that can impact your Kia Spectra5 car insurance rates are your driving history and where you live. Of course, the purchase price of the Kia Spectra5 also affects car insurance rates, and that depends on trim level and options.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Dec 17, 2021

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Things to Remember

  • Safety features of the Kia Spectra5 can earn you a car insurance discount
  • The cost of insurance for a Kia Spectra5 depends on the trim level
  • Crash test ratings have an impact on Kia Spectra5 auto insurance rates

Before you buy a Kia Spectra5, or even if you already own one, you’ll want to get the best Kia Spectra5 auto insurance rates. The cost of auto insurance for a Kia Spectra5 can vary from company to company and be based on personal factors like driving record, too.

The best way to get affordable Kia Spectra5 auto insurance is to shop around and compare. Before you do that, take a look at the details we’ve gathered on what affects Kia auto insurance for a Spectra5. You can also compare Kia Spectra5 auto insurance rates to the average cost of insurance for competitors like Hyundai Ioniq Electric and Chevrolet Metro.

To compare Kia Spectra5 auto insurance quotes from top companies, enter your ZIP code above now. It’s fast and free.

Are vehicles like the Kia Spectra5 expensive to insure?

Take a look at how insurance rates for similar models to the Kia Spectra5 look. These insurance rates for other hatchbacks like the Chevrolet Metro, Subaru Justy, and Hyundai Ioniq Electric give you a good idea of what to expect.

Insurance Rates for Vehicles Similar to the Kia Spectra5

Vehicle Comprehensive Collision Liability Total
FIAT 500L $256 $478 $450 $1,364
Nissan Leaf $320 $640 $416 $1,534
Nissan Cube $228 $374 $452 $1,212
Ford C-Max Hybrid $282 $566 $398 $1,404
Ford C-Max Energi $284 $582 $416 $1,440
Dodge Caliber $190 $338 $460 $1,146
FIAT 500 $236 $466 $470 $1,352
Porsche Panamera $520 $1,042 $398 $2,118

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What impacts the cost of Kia Spectra5 insurance?

The average annual rate for the Kia Spectra5 is just that, an average. Your insurance rates for a Kia Spectra5 can be higher or lower depending upon the trim level and personal factors. Those factors include your age, home address, driving history, and the model year of your Kia Spectra5.

Ways to Save on Kia Spectra5 Insurance

If you want to reduce the cost of your Kia Spectra5 insurance rates, follow these tips below:

  • Use paperless billing for your Kia Spectra5 insurance policy
  • Get a plan with only liability coverage if you’re driving an older Kia Spectra5
  • Reduce your coverage on an older Kia Spectra5
  • Ask for a Kia Spectra5 discount if you have a college degree
  • Make sure you’re raising a safe driver

Top Kia Spectra5 Insurance Companies

Several insurance companies offer competitive rates for the Kia Spectra5 based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with Kia Spectra5 drivers organized by market share.

Largest Auto Insurers by Market Share

Rank Company Volume Market Share
1 State Farm $66,153,063 9.1%
2 GEICO $46,358,896 6.4%
3 Progressive $41,737,283 5.7%
4 Allstate $39,210,020 5.4%
5 Liberty Mutual $36,172,570 5.0%
6 Travelers $28,786,741 4.0%
7 USAA $24,621,246 3.4%
8 Chubb $24,199,582 3.3%
9 Farmers $20,083,339 2.8%
10 Nationwide $18,499,967 2.5%

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Comparing Free Kia Spectra5 Insurance Quotes Online

Save money by comparing Kia Spectra5 insurance rates with free quotes online now.

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