1997 Kia Potentia - car insurance quotes

How much does it cost to insure a  Kia Potentia 2.5 Automatic 2.497 cc in 2023?

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The average insurance rate is at $1,348 per year for  adults, $2,237 for  teens and $1,119 for  senior drivers.

How much does 1997 Kia Potentia car insurance cost, what is the true cost to own this vehicle in your state and how can you save money on your policy in 2023? Kia Potentia (2.5 Automatic) car insurance rates may vary for the same coverage depending on your location, driving history or by your age, but the types of coverage are basically the same and differs only in details. The average insurance price of a used Kia Potentia is above $94 a month ($1.124 yearly), depending on many variables like your credit score, place you live, driver record and the type and model of Kia you drive (https://www.kia.com/us/en/home)! Your actual auto insurance costs could be higher or lower, if your car will be equipped with a number of modern safety and driver assistance features. A typical full coverage insurance policy for your Kia model with 176 engine should cover liability for injuries or damages, comprehensive coverage that covers damage to your car caused by events that are out of your control and collision (optional - helps pay to repair or replace your Kia Potentia if it's damaged in a traffic accident with another car or object), and finally uninsured motorist and medical coverage.

On average, car insurance cost for a 1997 Kia Potentia is $94 a month, which is around $1.124 a year. Get personalised quotes from multiple insurance companies using our FREE service!

How much is car insurance for a 28-year-old auto?

How does age of your car affect car insurance costs? 1997 Kia Potentia is older than 28 years. Older vehicles are typically cheaper to insure because they’re less valuable than newer models. On the other hand, newer models of Potentia (1997) are eligible for many discounts for vehicles loaded with a long list of safety features. The most important safety features, that can earn you an auto insurance discount and are a standard on all modern Potentia cars include: anti-lock braking systems (ABS), automatic seatbelts, air bags and traction control. Discounts for safety features on 28-year Kia Potentia may reduce your coverage to the prices around $849 for 2023-2024. Here are other undisputed benefits of buying a used car. You can buy the cheapest liability insurance for your 1997 Kia Potentia because if you get into a collision, it’s not worth spending high amounts of money to repair your older vehicle and therefore you do not need overpriced car insurance.

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Kia Potentia, 2.5 Automatic has engine power of 2497 cc, which means it is a medium-powered car. The downside is that high-powered vehicles are often considered more dangerous and therefore may increase premium rates. If you want to lower car insurance rates for your vehicle, be sure you buy one that isn't a high performer. You can also adjust your coverage levels if you would like to lower your premium and monthly payments. If you’re looking for the cheapest policy, you might need to find trusted and experienced insurance agent in your area who will assure you car insurance tailored to your specific needs.

Insurance Company	New Vehicles *	Used Vehicles *
Allied	$829	$799
GEICO	$609	$559
Nationwide	$889	$699
Progressive	$370	$300
State Farm	$499	$370
Texas Farm Bureau	$829	$669
USAA	$659	$559
* Rough estimate for a new vs 28 years old used Kia Potentia, 2.5 Automatic. Your insurance premium will always depend on your driving history, the level of coverage and on the exact models of vehicles you're comparing!

Compare 1997 Kia Potentia car insurance quotes and find out who has the cheapest rates in 2023!

Finding the most affordable car insurance for your Kia, Potentia is not as hard as it used to be in the past. Here are some facts, that can help you lower auto insurance costs for your model of Kia (made in 1997) at the best possible rate while maintaining adequate coverage. Choosing top-rated insurer near you, who provides perfect customer services and competitive prices, should be the first step when shopping for better policy. Below are some tips and tricks to help you get affordable Kia Potentia auto insurance quotes in 2023 and save money on your vehicle. The truth is that every driver will pay for the same coverage at the same company a completely different price!

How much is car insurance for a 1997 Kia Potentia in 2023? As you can see below, the lowest rates are around $998.8, while the highest ones fluctuate around $2097.48 yearly. This price is influenced by many factors, and no single insurer can claim to be the low-price leader.

Insurance Company	Annual Rates (Estimate*)
GEICO	$1,064
American Family	$1,039
Erie	$1,038
Progressive	$1,223
State Farm	$1,346
Auto Owners	$1,197
State Auto	$1,418
Nationwide	$1,379
Farmers	$1,204
Allstate	$1,707
Safe Auto	$1,807
MetLife	$1,928
Victoria	$2,046
Allied	$1,443
Liberty Mutual	$1,721
Encompass	$2,142
* Just a rough estimate for 1997 Kia Potentia, 2.5 Automatic

How to reduce your insurance premium costs?

Many people forget that the type of a car you get (model Potentia, make Kia) can have a huge impact on your car insurance costs. Some vehicles, such as: Honda Accord 2023, Toyota Corolla, Ford pickup, Nissan Altima, Toyota Camry 2021, Honda Civic, Ram pickup, Nissan Maxima, Dodge Caravan, Chevrolet pickup, Acura Integra, Cadillac Escalade and many others, are big targets for thieves (at least in 2016 - 2018). A higher deductible for your Kia, Potentia will also reduce your premiums because you pay more out of pocket if you have a claim. If you haven't had a traffic violation within 3 and more years and have a very good driving record a higher deductible might be a good bet. So, how can you reduce your insurance policy payments?

• Don't ignore small regional insurers.
• Review your existing coverage and choose a higher deductible.
• Shopping around is the key to saving money on car insurance.
• Negotiate with an agent or directly with auto insurance company.
• Check for 1997 Potentia car insurance discounts: good/safe driver, good student, multi-policy, homeowner (bundling).
• If you don't qualify for these discounts, explore other options available or switch the insurance company.
• Remember, that having a bad driving record, poor credit score or being a young driver (teen) is considered a risk by all insurance companies.

The most and least expensive 1997 Kia Potentia auto insurance rates by state!

How to calculate premium for Kia Potentia (1997) car insurance online? By using our insurance calculator, you can determine and calculate the cost of your insurance policy, check the average rates of car insurance for your age and location and find out if you are paying more or less than other people in your area. By reading the table below, you can compare the most and least expensive states for 1997 Potentia (2.5 Automatic) car insurance. Calculate your price online and get a free car insurance quote without using sensitive personal information such as your age, credit score, phone number, email or social security number (SSN).

Rank	State	Lowest Rates	Highest Rates
1	Vermont	$749	$1,049
2	Ohio	$759	$1,069
3	Idaho	$779	$1,099
4	Virginia	$809	$1,149
5	Iowa	$839	$1,189
6	New Hampshire	$879	$1,209
7	Wisconsin	$889	$1,239
8	North Dakota	$909	$1,308
9	Indiana	$929	$1,378
10	North Carolina	$949	$1,428
11	Pennsylvania	$959	$1,508
12	Utah	$979	$1,528
13	Maine	$989	$1,558
14	Massachusetts	$1,009	$1,588
15	Alaska	$1,019	$1,608
16	Tennessee	$1,029	$1,648
17	South Dakota	$1,039	$1,738
18	Nebraska	$1,049	$1,788
19	Minnesota	$1,059	$1,818
20	Illinois	$1,059	$1,848
21	Hawaii	$1,069	$1,888
22	Alabama	$1,079	$1,918
23	Oregon	$1,089	$1,948
24	Missouri	$1,099	$2,018
25	Washington	$1,149	$2,087
26	South Carolina	$1,159	$2,137
27	Kansas	$1,189	$2,177
28	New Mexico	$1,209	$2,227
29	Arizona	$1,239	$2,247
30	New York	$1,258	$2,257
31	National average	$1,298	$2,287
32	New Jersey	$1,318	$2,357
33	West Virginia	$1,358	$2,377
34	Mississippi	$1,388	$2,407
35	Maryland	$1,418	$2,437
36	Montana	$1,458	$2,487
37	Nevada	$1,488	$2,507
38	Arkansas	$1,508	$2,547
39	Kentucky	$1,518	$2,587
40	Oklahoma	$1,568	$2,617
41	Wyoming	$1,598	$2,637
42	Colorado	$1,638	$2,687
43	Texas	$1,668	$2,707
44	Delaware	$1,708	$2,747
45	Georgia	$1,748	$2,757
46	California	$1,788	$2,787
47	DC	$1,818	$2,807
48	Connecticut	$1,858	$2,837
49	Rhode Island	$1,878	$2,847
50	Florida	$1,908	$2,907
51	Louisiana	$1,948	$2,946
52	Michigan	$1,988	$2,996
* Compare 1997 Kia Potentia car insurance rates by location and find out who has the best insurance quotes in your area in 2022 - 2023! Only rough calculation for adults with good credit score, driving history and accident-free driving. Choosing an auto insurance company is difficult, your actual rates may vary since the cost of your policy is influenced by many factors.

Car Insurance for Teens, Young Drivers, Students, Seniors

Is it a good idea for a young driver to drive a car like 1997 Kia Potentia (Automatic transmission, 4000 rpm)? For insurers, teens are some of the high-risk drivers so you can expect car insurance rates to go up when you add a teen driver to the insurance policy. As you can see below, the average Kia Potentia annual insurance cost for a 16 year old is approximately $2297.24, while the cost of the same coverage for seniors aged 70 - 74 is $1058.728. How to lower car insurance rates for high risk drivers (teens, college students, new drivers, convicted drivers) is a very common question. There are a few tips. You can ask your insurance company for a low-mileage discount and usage-based discounts. Also choose a car wisely (Kia, Potentia have 2497 cc, 176 ps) and add your teen to your policy. Consider to increase your deductibles and adjust your existing coverage. Being younger than 18, 21, 25 years old means, you are statistically present a higher risk to insurance companies. How to save money on student car insurance?

Your Age	Average Rate (Estimate*)
16 - 19	$2,197
20 - 24	$2,137
25 - 29	$1,798
30 - 34	$1,548
35 – 39	$1,249
40 – 44	$1,298
45 – 49	$1,189
50 – 54	$1,039
55 – 59	$1,278
60 – 64	$1,069
65 – 69	$1,119
70 – 74	$1,009
75 and more	$1,039
* Rough estimate for teens, adults and seniors who are driving Kia Potentia (1997)

Some insurance companies and brokers rewards students financially for doing well in school, while others prefer students who complete an approved driver's education course. As you can see in the above table, people between the ages of 60 and 75 are statistically risk-free drivers and can pay less than $849 annualy. What kind of car insurance discounts for seniors are available? Most car insurance companies offer reduced auto insurance rates to drivers who are over 50 years of age. It means, people over 50 - 60 are eligible for senior discounts. Is Kia, Potentia good for senior drivers? If you have questions or issues relevant to Kia Potentia or another vehicle, please ask in the discussion.

You know you need to insure your 1997 Rear Kia, Potentia, but do you really know, how much should you pay for your coverage every month or year? Ask for quotes from multiple companies

Kia Potentia: Exterior Specs, Features & Options

The engine of Kia, Potentia (6 cyl) is mated to a Automatic transmission, that in this case, sends power to the Rear. Potentia Sedan, 2497 CC (liter), 176 ps (98.6% of a brake horsepower) is matched to an 2.5 Automatic for 1997. The truth is that horsepower sells cars, but torque wins races! Some car insurance companies find that cars with a higher horsepower (Kia, Potentia has horsepower of 176 ps & 2497 cc's = cubic capacity measured in cubic centimeters) are involved in fewer auto insurance claims than those with less horsepower and torque. On the other hand, when a higher horsepower car is involved in a car accident, they usually cause more serious damage to others, which can affect car insurance rates. Model 2.5 Automatic has an engine torque of 186 nm & 4000 rpm. The power and maximum speed of the Kia Potentia vehicle (sorry, we do not know how fast will Kia, Potentia accelerate to 100 km per hour/100 Kph & sorry, we do not know the maximum speed of Kia, Potentia Kph top speed) are a powerful marketing tool, but for technically demanding drivers, it's the mass of the car (1485 kg is the weight of this model), its engine torque and the engine rotation speed.