Kia Spectra Insurance Rates

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Written by:

Alexandra Arcand

Insurance and Finance Writer

Alexandra Arcand is an outreach administrator and insurance expert located in North Central Ohio. She has a passion for writing, investing, and education. As an insurance content writer for over three years, Alexandra has first-hand experience in business finance, economics, and real estate. She leads an outreach writing team that specializes in travel, real estate, healthcare, law, finance, an...

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Written by Alexandra Arcand

Insurance and Finance Writer

Reviewed by:

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

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Reviewed by Eric Stauffer

Licensed Insurance Agent

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UPDATED: Jul 2, 2025

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Shopping online for car insuranceis challengingif you are a beginner toonline quoting. Don't let that stop youbecause it's actually quite easy. There are several waysto get quotesfrom different insurance companies. The easiest way by farto find the cheapest Kia insurance ratesis to get quotes online. It is quite easy and can be accomplishedsimply by entering your zip codein the form above.

Car insurance premiumsfor your Kia Spectracan fluctuate considerablyand are calculated by many factors. Taken into consideration are:

Any tickets you may have
Credit rating impacts rates
Where you live
High miles vs. low miles
Men typically pay more than women
The deductible you choose
Your vehicle's safety rating
Your occupation
The level of coverage
Whether you rent or own your home

Insurance agentsare important to many people, but you also have the option of buying car insurancedirect from companies online. Certain companies like State Farm and Allstatewho sell through agentsalso give you the ability tobuy direct online, and that can save time if finding the best price is important.

When quoting car insurance, remember thatmore quoteswill improve the odds of gettingbetter pricing.

Factors shown abovehelp determineratesbut the model year of your Kia Spectrais also a determining factor. Choose your vehicle yearfrom the following listto get moreinsurance cost information.