Cost of Ownership
Kia Cost of Ownership
The average estimated 5-year cost to own a Kia is $39,730, across 2 models (avg. new price $33,700). Ownership cost is the sum of depreciation, insurance, fuel, maintenance, and loan interest.
Brand average
5-Year Cost Breakdown
$39,730Total cost for 5 years
| Cost | Value | Percent |
|---|---|---|
| Depreciation | $14,387 | 36% |
| Fuel | $10,000 | 25% |
| Insurance | $7,025 | 18% |
| Interest | $5,618 | 14% |
| Maintenance | $2,700 | 7% |
By model
Kia Models — 5-Year Cost to Own
| Model | New Price | 5-Year Total |
|---|---|---|
| Kia Sportage (2026) | $28,500 | $36,926 |
| Kia Telluride (2026) | $38,900 | $42,534 |
How We Calculate Cost of Ownership
CarMatch estimates five-year cost to own by modeling each major expense a Kia owner faces over five years and ~75,000 miles, then summing them. Figures are independent estimates from our own model — no dealer pays to influence them — and are refined as verified valuation and cost data come online.
What’s Included?
- Depreciation
- The value the vehicle sheds over five years — usually the single largest ownership cost.
- Insurance
- Estimated full-coverage premiums over five years; your rate varies by driver, location, and coverage.
- Fuel
- Energy cost to drive roughly 15,000 miles a year for five years, based on the powertrain.
- Maintenance & Repairs
- Routine service, wear items, and out-of-warranty repairs over the first five years.
- Loan Interest
- Finance charges on a typical 60-month loan at current average APRs.
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Value rating
Kia CarMatch Value Rating
Our unbiased read on how Kia’s lineup balances five-year cost to own against price. See the Value Rankings.