2000 Kia Sephia II - car insurance quotes

How much does it cost to insure a  Kia Sephia II 1.8 Automatic 1.793 cc in 2023?

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The average insurance rate is at $968 per year for  adults, $1,607 for  teens and $803 for  senior drivers.

How much does 2000 Kia Sephia II 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 Sephia II (1.8 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 Sephia II is above $67 a month ($807 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 111 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 Sephia II 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 2000 Kia Sephia II is $67 a month, which is around $807 a year. Get personalised quotes from multiple insurance companies using our FREE service!

How does age of your car affect car insurance costs?

2000 Kia Sephia II is a 25 years old vehicle. Older vehicles are typically cheaper to insure because they’re less valuable than newer models. On the other hand, newer models of Sephia II (2000) are eligible for many discounts for vehicles loaded with a long list of safety features, technology, anti-theft and driver assistance equipement. The most important safety features, that can earn you an auto insurance discount and are a standard on all modern Sephia II cars include: anti-lock braking systems (ABS), automatic seatbelts, air bags and traction control.

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Kia Sephia II, 1.8 Automatic has engine power of 1793 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 your car insurance rates, be sure to buy a car that isn't a high performer.

Insurance Company	New Vehicles *	Used Vehicles *
Allied	$595	$574
GEICO	$437	$402
Nationwide	$638	$502
Progressive	$265	$215
State Farm	$359	$265
Texas Farm Bureau	$595	$481
USAA	$473	$402
* Rough estimate for a new vs 25 years old used Kia Sephia II, 1.8 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 2000 Kia Sephia II car insurance quotes and find out who has the cheapest rates in 2023!

Finding the most affordable car insurance for your Kia, Sephia II 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 2000) 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 Sephia II 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 2000 Kia Sephia II in 2023? As you can see below, the lowest rates are around $717.2, while the highest ones fluctuate around $1506.12 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	$764
American Family	$746
Erie	$745
Progressive	$878
State Farm	$967
Auto Owners	$859
State Auto	$1,018
Nationwide	$990
Farmers	$864
Allstate	$1,226
Safe Auto	$1,297
MetLife	$1,384
Victoria	$1,469
Allied	$1,036
Liberty Mutual	$1,236
Encompass	$1,538
* Just a rough estimate for 2000 Kia Sephia II, 1.8 Automatic

How to reduce your insurance premium costs?

Many people forget that the type of a car you get (model Sephia II, 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, Sephia II 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 2000 Sephia II 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 2000 Kia Sephia II auto insurance rates by state!

How to calculate premium for Kia Sephia II (2000) 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 2000 Sephia II (1.8 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	$538	$753
2	Ohio	$545	$767
3	Idaho	$559	$789
4	Virginia	$581	$825
5	Iowa	$602	$853
6	New Hampshire	$631	$868
7	Wisconsin	$638	$889
8	North Dakota	$653	$940
9	Indiana	$667	$990
10	North Carolina	$681	$1,026
11	Pennsylvania	$689	$1,083
12	Utah	$703	$1,097
13	Maine	$710	$1,119
14	Massachusetts	$724	$1,140
15	Alaska	$732	$1,155
16	Tennessee	$739	$1,183
17	South Dakota	$746	$1,248
18	Nebraska	$753	$1,284
19	Minnesota	$760	$1,305
20	Illinois	$760	$1,327
21	Hawaii	$767	$1,356
22	Alabama	$775	$1,377
23	Oregon	$782	$1,399
24	Missouri	$789	$1,449
25	Washington	$825	$1,499
26	South Carolina	$832	$1,535
27	Kansas	$853	$1,563
28	New Mexico	$868	$1,599
29	Arizona	$889	$1,614
30	New York	$904	$1,621
31	National average	$932	$1,642
32	New Jersey	$947	$1,693
33	West Virginia	$975	$1,707
34	Mississippi	$997	$1,728
35	Maryland	$1,018	$1,750
36	Montana	$1,047	$1,786
37	Nevada	$1,069	$1,800
38	Arkansas	$1,083	$1,829
39	Kentucky	$1,090	$1,858
40	Oklahoma	$1,126	$1,879
41	Wyoming	$1,148	$1,893
42	Colorado	$1,176	$1,929
43	Texas	$1,198	$1,944
44	Delaware	$1,226	$1,972
45	Georgia	$1,255	$1,979
46	California	$1,284	$2,001
47	DC	$1,305	$2,015
48	Connecticut	$1,334	$2,037
49	Rhode Island	$1,348	$2,044
50	Florida	$1,370	$2,087
51	Louisiana	$1,399	$2,116
52	Michigan	$1,427	$2,152
* Compare 2000 Kia Sephia II 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 2000 Kia Sephia II (Automatic transmission, 4500 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 Sephia II annual insurance cost for a 16 year old is approximately $1649.56, while the cost of the same coverage for seniors aged 70 - 74 is $760.232. 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, Sephia II have 1793 cc, 111 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	$1,578
20 - 24	$1,535
25 - 29	$1,291
30 - 34	$1,112
35 – 39	$897
40 – 44	$932
45 – 49	$853
50 – 54	$746
55 – 59	$918
60 – 64	$767
65 – 69	$803
70 – 74	$724
75 and more	$746
* Rough estimate for teens, adults and seniors who are driving Kia Sephia II (2000)

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 $610 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, Sephia II good for senior drivers? If you have questions or issues relevant to Kia Sephia II or another vehicle, please ask in the discussion.

You know you need to insure your 2000 Front Kia, Sephia II, but do you really know, how much should you pay for your coverage every month or year? Ask for quotes from multiple companies

Kia Sephia II: Exterior Specs, Features & Options

The engine of Kia, Sephia II (4 cyl) is mated to a Automatic transmission, that in this case, sends power to the Front. Sephia II Sedan, 1793 CC (liter), 111 ps (98.6% of a brake horsepower) is matched to an 1.8 Automatic for 2000. The truth is that horsepower sells cars, but torque wins races! Some car insurance companies find that cars with a higher horsepower (Kia, Sephia II has horsepower of 111 ps & 1793 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 1.8 Automatic has an engine torque of 155 nm & 4500 rpm. The power and maximum speed of the Kia Sephia II vehicle (sorry, we do not know how fast will Kia, Sephia II accelerate to 100 km per hour/100 Kph & sorry, we do not know the maximum speed of Kia, Sephia II Kph top speed) are a powerful marketing tool, but for technically demanding drivers, it's the mass of the car (1115 kg is the weight of this model), its engine torque and the engine rotation speed.