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Kia Sportage LX Insurance Rates

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Average auto insurance rates for a Kia Sportage LX are $1,282 annually for full coverage insurance. Comprehensive costs approximately $284 each year, collision insurance costs $476, and liability costs around $364. Only liability insurance costs as low as $430 a year, and high-risk insurance costs around $2,758. Teen drivers receive the highest rates at up to $4,762 a year.

Annual premium for full coverage: $1,282

Rate estimates by individual coverage:

Comprehensive $284
Collision $476
Liability $364

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Kia Sportage Trim Level

For an average driver, prices range from as cheap as $430 for basic liability insurance to a high rate of $2,758 for a driver required to buy high-risk insurance.

Liability Only $430
Full Coverage $1,282
High Risk $2,758

Price Range by Location

Where you live can make a big difference on the price of auto insurance. Rural locations tend to have fewer physical damage claims than larger metro areas. The graphic below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $962
Small Cities $1,346
Large Cities $1,731

These differences illustrate why all drivers should compare prices using their specific location and their own personal driving habits, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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Insurance rates for a Kia Sportage LX can also vary considerably based on the model year of your Sportage, your risk profile, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,200 a year for full coverage. Prices are highest for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $4,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers can be from 44% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $510 annually, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $327 more per year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Kia Sportage LX insurance prices. A driver around age 40 might see prices as low as $1,180 a year in states like , , and North Carolina, or as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

With so much variability in prices, the only way to figure out which car insurance is cheapest is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, so the rates can be significantly different between companies.

View Chart as Image

Kia Sportage LX insurance cost comparison chart
Column chart showing Kia Sportage LX insurance prices range from $748 to $4,762 for full coverage

The chart estimates Kia Sportage LX insurance prices for various situations. The cheapest discount price is $748. Drivers who choose higher $1,000 deductibles will pay about $1,110. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,282. Using lower $100 deductibles for physical damage coverage could cost up to $1,618. High risk drivers could be charged as much as $2,758. The policy rate for full coverage insurance for a teenager can be as high as $4,762.

Kia Sportage LX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,160 -$122 -9.5%
Alaska $984 -$298 -23.2%
Arizona $1,066 -$216 -16.8%
Arkansas $1,282 -$0 0.0%
California $1,462 $180 14.0%
Colorado $1,228 -$54 -4.2%
Connecticut $1,320 $38 3.0%
Delaware $1,454 $172 13.4%
Florida $1,606 $324 25.3%
Georgia $1,186 -$96 -7.5%
Hawaii $922 -$360 -28.1%
Idaho $866 -$416 -32.4%
Illinois $956 -$326 -25.4%
Indiana $966 -$316 -24.6%
Iowa $866 -$416 -32.4%
Kansas $1,220 -$62 -4.8%
Kentucky $1,750 $468 36.5%
Louisiana $1,900 $618 48.2%
Maine $792 -$490 -38.2%
Maryland $1,060 -$222 -17.3%
Massachusetts $1,026 -$256 -20.0%
Michigan $2,230 $948 73.9%
Minnesota $1,074 -$208 -16.2%
Mississippi $1,538 $256 20.0%
Missouri $1,138 -$144 -11.2%
Montana $1,378 $96 7.5%
Nebraska $1,012 -$270 -21.1%
Nevada $1,540 $258 20.1%
New Hampshire $926 -$356 -27.8%
New Jersey $1,434 $152 11.9%
New Mexico $1,136 -$146 -11.4%
New York $1,352 $70 5.5%
North Carolina $740 -$542 -42.3%
North Dakota $1,052 -$230 -17.9%
Ohio $884 -$398 -31.0%
Oklahoma $1,320 $38 3.0%
Oregon $1,176 -$106 -8.3%
Pennsylvania $1,224 -$58 -4.5%
Rhode Island $1,712 $430 33.5%
South Carolina $1,164 -$118 -9.2%
South Dakota $1,082 -$200 -15.6%
Tennessee $1,126 -$156 -12.2%
Texas $1,548 $266 20.7%
Utah $950 -$332 -25.9%
Vermont $878 -$404 -31.5%
Virginia $768 -$514 -40.1%
Washington $992 -$290 -22.6%
West Virginia $1,178 -$104 -8.1%
Wisconsin $890 -$392 -30.6%
Wyoming $1,144 -$138 -10.8%

View Chart as Image

Kia Sportage LX insurance rates by U.S. city

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Rates by Driver Age

Kia Sportage LX Insurance Rates by Driver Age
Driver Age Premium
16 $4,762
20 $2,944
30 $1,338
40 $1,282
50 $1,170
60 $1,148

Full coverage, $500 deductibles

Rates by Deductible

Kia Sportage LX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,618
$250 $1,464
$500 $1,282
$1,000 $1,110

Full coverage, driver age 40

Rates by Liability Limit

Kia Sportage LX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,282
50/100 $1,355
100/300 $1,446
250/500 $1,682
100 CSL $1,391
300 CSL $1,591
500 CSL $1,737

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Sportage LX Insurance Rates for High Risk Drivers
Age Premium
16 $6,778
20 $4,672
30 $2,818
40 $2,758
50 $2,630
60 $2,606

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $174

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $67
Multi-vehicle $65
Homeowner $19
5-yr Accident Free $92
5-yr Claim Free $81
Paid in Full/EFT $58
Advance Quote $62
Online Quote $90
Total Discounts $534
Rate after discounts $748

Discounts are estimated and may not be available from every company or in every state.

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