How much is insurance on a Kia Carnival?
A 2024 Kia Carnival runs about $1,890 a year for a typical 45-year-old, about the same as an average car of the same age: its losses are close to an average car's. Putting a new 16-year-old on a family policy with the Carnival adds about $1,250 a year (#3 of 4 very large minivans we compare).
2024 Kia Carnival (Carnival), national average
about $1,890 a year (about $160 a month)
Estimated range: $1,400–$2,550. Actual quotes can fall outside it.
An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2022 Carnival drops to about $1,770 (see the table below).
Priced for the 2024 Carnival, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Carnival's rank is the same in every state.
Why the Kia Carnival costs what it does
What HLDI reports (2022–24 models, all drivers combined)
The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Kia Carnival, on HLDI's scale where 100 is an average car and lower is better, it reports 96 for crash repairs, 94 for non-crash damage, 87 for damage to others' property, and 97 for injury claims.
- Crash repairs (collision)fixing this car after a crashAverage4% better than average3rd best of the 4 very large minivans we compare
- Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage6% better than average3rd best of the 4 very large minivans we compare
- Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage13% better than average3rd best of the 4 very large minivans we compare
- Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costAveragefiled 3% less often than average3rd best of the 4 very large minivans we compare
HLDI rates results within about 20% of average as “Average.”
Source: HLDI, insurance losses by make and model, 2022–24 models.
What we estimate that means for price
Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Carnival comes out about 5% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 2% less than average: about $930 a year vs $950. On the liability side, damage to others and injury claims combine to about 7% better than average. We count about half, so that part is about 4% less: $950 a year vs $990.
In EPA size classes, the Carnival is a minivan (gas-powered). In Highway Loss Data Institute loss tables, the Kia Carnival is benchmarked against very large minivans.
Matched to HLDI series “Kia Carnival” (HLDI, 2022–24 models).
A used Kia Carnival, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 Carnival (0–3 years old) | about $1,890 | about $950 | +$1,250 | about $5,410 |
 2022 Carnival (4–7 years old) | about $1,770 | about $950 | +$1,170 | about $5,090 |
Our catalog covers the Kia Carnival across model years 2022–2027. Full coverage on a used 2022 Carnival (4–7 years old) runs about $1,770 a year, $110 less than on a 2024. Dropping collision and comprehensive on that 2022 brings liability-only coverage to about $950 a year. Each photo shows that year's generation of the car. Photo credits.
For the 2024 Kia Carnival, our catalog lists the Carnival configuration at about $1,890 a year.
On a policy of their own with a 2024 Kia Carnival, a 22–25-year-old pays about $2,450 a year ($570 more than a 45-year-old), a 26–39-year-old about $2,090, and a driver 65 and older about $1,980.
Adding a 16-year-old with a Kia Carnival
Adding a new 16-year-old who drives the Kia Carnival raises the family bill by about $1,250 a year ($105 a month), about the same as adding a teen with an average car of the same age. A separate policy for the 16-year-old runs about $5,410 a year, so keeping them on the family policy saves about $4,170 a year.
For adding a teen driver, the Kia Carnival ranks 53rd cheapest out of all 121 models we track. Stepping down to a used 2022 Carnival (4–7 years old) brings the teen add-on to about $1,170 a year.
That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.
Similar very large minivans
Among these 4 very large minivans, the Kia Carnival is the 2nd most expensive to insure. Right next to it are the Chrysler Pacifica (about $1,820 a year) and the Toyota Sienna (about $2,020).
2024 Honda Odysseyabout $1,730 ($150 less)
2024 Chrysler Pacificaabout $1,820 ($70 less)- 2024 Kia Carnivalabout $1,890 (this car)
2024 Toyota Siennaabout $2,020 ($130 more)
Photos from Wikimedia Commons contributors. Photo credits.
What a Kia Carnival costs in your state
In six sample states, a 2024 Kia Carnival runs from about $1,310 a year in Wisconsin through Montana, Alaska, Mississippi and Maryland to about $2,490 in New York:
- Wisconsinabout $1,310/yr · +$870 teen
- Montanaabout $1,550/yr · +$1,030 teen
- Alaskaabout $1,650/yr · +$1,090 teen
- Mississippiabout $1,830/yr · +$1,210 teen
- Marylandabout $2,100/yr · +$1,390 teen
- New Yorkabout $2,490/yr · +$1,640 teen
All 50 states and DC · Updated .
Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.