Kia Insurance

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Kia Insurance

Kia is a car brand headquartered in Seoul and is the second largest automobile manufacturer after the Hyundai Motor Company. Whether you have a family car or a more sporty Kia, by getting esure comprehensive cover, your repairs are covered for 5-years when using our garages and your windscreen and windows are covered if they need to be repaired or replaced.


What does Kia car insurance with esure cover?

The level of cover we offer our customers is the same regardless of the type of car they insure. When you choose esure Comprehensive Insurance you get all these great benefits:

  • 5-Year repair guaranteed - if your car's being repaired by one of our recommended repairers
  • Courtesy car - following an accident if one of our recommended repairers is fixing your vehicle
  • Windscreen cover - our specialists will happily perform a windscreen repair or replacement if yours gets damaged
  • Online claims - report your incident online, 24/7, at a time that's convenient for you 
  • Unlimited cover - if any third party dies or is injured by your car, including passengers.
  • Up to £20 million - to cover any damage you do to another person’s property with your car
  • Driving other cars - policy holder only, subject to eligibility
  • In car entertainment - cover for loss or damage to permanently fitted electronic equipment
  • Legal liability - unlimited cover for death or injury to other people
  • Motoring legal advice helpline - on hand - day and night - in case you need us

Limits may apply, please check out policy booklet.



  • Defaqto rated 5 Stars - 5* car & home insurance

Please note that esure only offer comprehensive insurance and third party, fire, and theft. If you’d like to know more please read our policy booklet.


Kia Car Insurance Groups

We insure plenty of Kia models, so have pulled together a list of the insurance groups popular Kias fall into. Of course we can’t mention every Kia we insure so if your car isn’t on the list, it doesn’t mean we won’t insure it. Get a quote today to find out how much you could save.


Kia Picanto Insurance Groups

The Kia Picanto is designed to be a vehicle for urban use. Its five-door configuration and a compact size is well suited to narrow city roads. It comes with a choice of petrol engines that range from 1.0-litre to 1.25-litre in size, which helps to keep the Kia in the lower end of insurance groups.

The Picanto has three different trim levels. Depending on the trim level you have, you can get features like air conditioning, a leather-trimmed steering wheel, and alloy wheels. All the trim levels also include practical safety features like airbags, ESP traction and stability control, helping to keep the Picanto in lower insurance groups. Remember that higher trim levels may affect the cost of your Kia car insurance.


Please be aware this is a guide only, insurers may group these cars differently.

Model Engine Size Insurance Group
Picanto (04–11) 1.0–1.1 8–11
Picanto (11–17) 1.0–1.25 2–12
Picanto Hatchback (17 onwards) 1.1–1.25 4–10


Kia Sportage Insurance Groups

Kia’s small SUV, the Sportage, has been around for the past two decades. It comes with engine sizes ranging from 1.6-litre to 2.7-litre, which pushes it towards the middle range of insurance groups.

The Sportage comes with front-wheel drive and an automatic gearbox as standard, and is available with five different trim levels. The trim levels give you access to cosmetic features like premium upholstery and increased technical specifications.

It’s worth keeping in mind that if you have chosen a high trim level it may put your car into higher insurance groups, which affects your Kia car insurance quote.


Please be aware this is a guide only, insurers may group these cars differently.

Model Engine Size Insurance Group
Sportage (95–03) 2.0 19
Sportage (05–10) 2.0–2.7 18–23
Sportage (10–16) 1.6–2.0 12–18
Sportage (16 onwards) 1.6–2.0 11–25


Kia Rio Insurance Groups

The Rio is Kia’s flagship car and is available at a lower price point than some of its competitors.

The Rio is available with three different trim levels, giving you access to features like climate control, 15-inch alloy wheels and sat-nav. However, the Kia’s relatively small engine sizes and practical safety features keep it in the lower range of insurance groups. Be aware that choosing a higher trim level may increase the price of car insurance for Kias.


Please be aware this is a guide only, insurers may group these cars differently.

Model Engine Size Insurance Group
Rio (01–05) 1.3–1.5 6–11
Rio (05–11) 1.4–1.6 12–19
Rio (11–17) 1.1–1.4 1–9
Rio Hatchback (17 onwards) 1.1–1.4 2–9


Kia Sorento Insurance Groups

The Kia Sorento is Kia’s family-sized SUV, with seven seats and four-wheel drive capability. One of the most premium cars in Kia’s range, the Sorento is currently available with a 197bhp 2.2-litre diesel engine.

The Sorento is available with four different trim levels, giving you access to premium features like a 10-speaker sound system and an 8-inch colour touchscreen. It can also be purchased with safety features like parking sensors and blind spot detection. The car’s dimensions, engine size and available trims push it towards the middle level of insurance groups, and older models may go as high as group 32. As always, depending on the trim level you have it may affect the cost of car insurance for your Kia.


Please be aware this is a guide only, insurers may group these cars differently.

Model Engine Size Insurance Group
Sorento (03–09) 2.5–3.5 26–32
Sorento (10–14) 2.0–2.4 20–30
Sorento (15 onwards) 2.2 24–28


Kia Carens Insurance Groups

The Kia Carens is a space friendly, family-sized SUV. It comes with either a 1.7-litre or 1.6-litre petrol engine and comes with four different trim levels. It has seven individually adjustable seats in three rows, making it suitable for larger families.

The Carens is available in several different trim levels, the higher ones giving you access to features like heated seats, roof rails and a sat-nav. It also has some helpful safety features like a rear-view camera and lane departure warning system.

Despite its large size and available trim features, the Carens remains in the low-middle range of insurance groups. Remember whatever your trim level, it may impact the cost of your Kia car insurance.


Please be aware this is a guide only, insurers may group these cars differently.

Model Engine Size Insurance Group
Carens (00–06) 1.6–2.0 15–17
Carens (06 –11) 1.6–2.0 18–23
Carens (13 onwards) 1.6–1.7 12–18



Add more to your Kia car insurance

Get these great Optional Extras with your Kia car insurance to enhance your cover. 

Breakdown Assistance in partnership with the RAC
Breakdown assistance

Our wide range of Breakdown Cover options are offered with our partner the RAC.

Learn more about RAC Breakdown Assistance

Motor Legal Protection
Motor Legal Protection

If you’re involved in an accident that was partly or completely the fault of the other driver we can pay up to £100,000 (including VAT) towards legal costs to help you recover your expenses. These can include lost wages if you've had to take time off work after the accident, or travel expenses while you were without your car. Motor Legal Protection could also cover your defence if you're facing prosecution for a motoring offence.

Learn more about MLP

Personal Injury Benefit
Personal injury benefit

In the event of death or serious injury to you (or any named driver), we'll cover medical expenses and pay up to £100,000 if you're at fault, or up to £30,000 if not.

Learn more about Personal Injury Benefit


Would esure insure my Kia if I were to take it to Europe?

We do offer European car insurance if you wanted to take your Kia to Europe. If you just use your certificate of insurance as proof you’ll be covered at most to a third party only level. But for a small fee you can match your protection to what you have in the UK. To find the full list of European countries we cover, please visit our European car cover page.


More than one car at home?


When you, or anyone permanently living in the same household as you, insures additional cars with us direct we’ll discount each new policy by 10%*

* (1) Discount excludes Optional Extras. (2) Subject to eligibility.

Separate policies – so no change to your existing renewal dates. Your No Claims Discount (NCD) for each policy will also be kept separate, so a claim on one policy won’t affect the NCD of the other

Off 20
Defaqto 2022

About Kia

Early Beginnings

Originally a steel tubing and bicycle parts manufacturer, Kia was founded in 1944 as Kyunsung Precision Industry – the company who would later go on to produce Korea’s first domestic bicycle. They changed the name in 1952 to Kia Industries, moving on to build motorcycles and eventually cars.

Kia opened its first assembly plant in 1973 at the Sohari Plant, swiftly starting production on small range cars. The company stopped making cars in 1981 due to a shift in the country’s politics with regards to the automotive industry. By 1986 the company re-joined the automotive industry and produced 95,000 cars the following year.

First Car

Kia’s First car was the Pride. Released in 1987, the Kia Pride started exporting to Japan and the Unites States in the same year. Originally a sedan that came in multiple door ranges, the Kia Pride got a revamp in 1993, and was later replaced by the Rio in 2000.

Present Day

Now headquartered in Seoul, Kia has become the second largest automobile manufacturer after Hyundai Motor Company. Hyundai owns 33.33% of Kia Motors, and Kia sold 3.3 million cars in 2015.

Focusing primarily on the European and US markets since 2005, Kia Motors Manufacturing Georgia opened in 2010.



1Parkers. PARKERS Insurance Groups. Available from [Accessed 1 October 2018]