Compare car insurance for your Kia from 130+ UK insurers. See which models sit in the lowest insurance groups.
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See insurance groups for popular Kia models
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Kia models typically sit in Groups 2 to 40. The Rio and Picanto sit near the bottom of the Thatcham scale, while newer EVs and the Stinger performance saloon reach the higher bands.
| Model | Typical Insurance Group | Engine |
|---|---|---|
| Rio (2017) | 2-8 | 1.0-1.4L |
| Picanto (2017) | 4-5 | 1.0-1.25L |
| Ceed (2018) | 9-20 | 1.0-1.6L |
| Stonic (2017) | 10-14 | 1.0-1.6L |
| Niro (2016) | 11-15 | 1.6L Hybrid |
| Sportage (2016) | 11-25 | 1.6-2.0L |
| Niro EV | 18 - 25 | Electric/Hybrid |
| e-Niro (2018) | 20-29 | Electric |
| EV6 | 29 - 40 | Electric |
| Sorento (2020) | 30-32 | 2.2-1.6L Hybrid |
| Stinger (2018) | 32-36 | 2.0-3.3L |
See how Kia models compare for reliability in our Kia reliability report.
Every car sold in the UK is assigned to one of 50 insurance groups by Thatcham Research and the ABI. Group 1 typically represents the lowest insurance cost, and group 50 the highest. Insurers generally use these groups as one factor when calculating your premium, alongside your age, location, driving history, and other personal details. For example, the Kia Picanto typically sits around Group 4, while the EV6 climbs to Groups 29 to 40.
Insurance groups set by Thatcham Research and the ABI.
Kia models typically start at Group 2 (Rio) and reach Group 40 (EV6), so insurance costs can vary significantly depending on which Kia you drive. Kia is best known for value, and the Rio and Picanto rank among the cheapest non-city-cars to insure from any brand.
Insurance groups are only one of several factors. Insurers may also weigh up your age, where you live, your annual mileage, your driving history, and any modifications to the car. Two drivers insuring the same Kia could receive very different quotes.
Whether you choose fully comprehensive, third party fire and theft, or third party only cover can also affect your premium. Comprehensive cover is often competitively priced compared to third party only.
The most reliable way to find your price is to compare quotes from multiple insurers.
Based on typical Thatcham insurance group ratings, these four Kia models sit in the lowest group bands and may be worth shortlisting if keeping the premium down is a priority.
1. Rio (Groups 2-8)
Typically one of the most affordable Kias to insure and among the cheapest superminis in the UK. Base trims start at Group 2, which is close to the bottom of the Thatcham scale.
2. Picanto (Groups 4-5)
A city car that sits in a very narrow group band. Whichever trim you choose, the Picanto typically stays in single digits.
3. Ceed (Groups 9-20)
Kia's family hatchback starts around Group 9 for the base 1.0 T-GDi trim. A step up in size and space from the Rio without a big group jump.
4. Stonic (Groups 10-14)
A compact crossover starting at Group 10. A practical option if you want a higher driving position without a big group jump.
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Get QuotesKia has several models that may be practical first cars for new drivers. The Rio (Groups 2-8) and Picanto (Groups 4-5) both sit at the low end of the Thatcham scale and are widely available on the used market.
A telematics policy could help new drivers demonstrate safe driving habits, which may lead to lower premiums over time. Black box devices or app-based policies typically monitor braking, cornering, and time of day, and reward safe driving with a lower renewal price.
If you are aged 17 to 21, see our dedicated young drivers insurance guide for more tips.
University students may also find our student car insurance guide helpful, particularly for advice on registering the car at the address where it is kept most often.
Seven practical steps that could help reduce your Kia insurance premium.
Compare quotes from multiple insurers
Prices for the same car and driver can vary significantly between providers. Comparing quotes is typically the most effective way to find a competitive deal.
Start with the Rio or Picanto
Both models typically sit in single-digit groups. If you want a small Kia and low premiums, this is where to look first.
Weigh up the EV models
The EV6 (Groups 29-40) sits far above the petrol Kia range, while the older e-Niro (Groups 20-29) can be more moderate. Worth quoting both if you are open to an electric car.
Consider a telematics policy
A black box or app-based policy could reward safe driving with lower premiums, particularly for younger drivers.
Increase your voluntary excess
A higher excess typically means a lower premium, but make sure you could afford to pay it if you needed to make a claim.
Think about where you park
Parking off-road, in a garage, or on a driveway could reduce your premium compared to parking on the street.
Pay annually if you can
Monthly instalments could add interest to the overall cost, so paying upfront may save you money over the year.
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