Kia Sportage Insurance Rates

How much does it cost to insure a Kia Sportage? Don’t let Kia Sportage insurance rates stress you out. The average insurance cost for a Kia Sportage is $1,280 a year, or $106 a month. In this comprehensive guide, we will go over the main factors that affect your Kia Sportage average insurance cost, from driving records to repair costs.

Want to jump right into finding Kia Sportage insurance rates? Enter your ZIP code in our free tool above to start comparison shopping.

U.S. average insurance rates for a Kia Sportage are $1,260 a year for full coverage insurance. Comprehensive costs approximately $256 a year, collision insurance costs $448, and liability is estimated at $398. Liability-only coverage costs approximately $460 a year, and high-risk coverage costs around $2,722. Teens pay the highest rates at up to $4,770 a year.

Average premium for full coverage: $1,260

Price estimates by individual coverage:

Price estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and Sportage trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on auto insurance prices.

The ranges above illustrate why it is important to get quotes using their specific location and risk profile, instead of making a decision based on averaged prices.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below illustrates average Kia Sportage insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $735
• Choosing higher $1,000 deductibles can save $1,102 each year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,260
• Selecting low $100 deductibles for comp and collision coverage will increase the cost to $1,570
• Higher-risk drivers with serious driving violations could pay around $2,722
• The price for full coverage for a 16-year-old driver can cost $4,770 each year

View Chart as Image

Auto insurance prices for a Kia Sportage are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high deductibles may pay as low as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay in the ballpark of $4,700 a year. View Rates by Age

The state you live in plays a big part in determining prices for Kia Sportage insurance prices. A good driver about age 40 could pay as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,700 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $470 annually, while buying higher liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $358 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,500 to $2,100 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges from 44% to 133% more than the average policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Cheaper Kia Sportage Insurance

Getting lower rates on insurance for a Kia Sportage takes being a safe and courteous driver, having good credit, not filing small claims, and possibly higher deductibles. Take the time to compare rates every other policy renewal by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below is a condensed summary of the ideas that were covered in the above illustrations.

• Teenage drivers have the highest car insurance prices, as much as $398 a month if they have full coverage
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,460 more per year for auto insurance
• Increasing physical damage deductibles can save around $475 each year
• It is possible to save around $150 per year just by quoting early and online

Just by getting car insurance quotes, you can save an average of $150. Ready to start shopping for Kia Sportage insurance rates or want to find out Kia Soul insurance costs? Enter your ZIP code in our free tool below.

Keep reading to find out what else determines the price of car insurance.

Kia Sportage Size and Class and Liability Insurance

The Kia Sportage is classified as a small SUV, which means it shouldn’t have high liability rates. Why? Because liability insurance pays for repairs to other drivers’ vehicles or their medical bills, cars that can do significant damage to others have higher rates. Since the Kia Sportage is a smaller vehicle, it won’t be able to do as much damage and is more likely to be one of the cheapest cars to insure or the cheapest sedan to insure.

However, even if a car isn’t large, it could still have higher rates if it crashes easily. One way to find out is to look at liability insurance losses, which shows if a vehicle has a history of claims made against it.

According to the Insurance Institute for Highway Safety (IIHS), the Kia Sportage has the following liability property damage losses:

• Kia Sportage 4-door: -14 percent (average)
• Kia Sportage 4-door 4WD: -12 percent (average)

While these losses are considered normal for small SUVs, any insurance loss in the negative is a good sign. The losses for liability bodily injury are also normal.

• Kia Sportage 4-door: -8 percent (average)
• Kia Sportage 4-door 4WD: -8 percent (average)

Because the losses are average, your liability insurance rates should also be average. Keep reading for an average estimate of Kia Sportage liability insurance rates.

Kia Sportage Liability Insurance Rates

Are Kias expensive to insure? We pulled rates from a sample Geico quote for a 40-year-old male driver who owns his 2020 Kia Sportage EX, has a clean driving record, and travels 13,000 miles a year. The rates show multiple prices for a six-month coverage policy. Let’s start with bodily injury liability coverage.

• Low ($15,000/$30,000): $38.77
• Medium ($100,000/$200,000): $79.46
• High ($500,000/$500,000): $127.91

The cost to upgrade coverage from low to high is average at $89, or $14 a month. The prices for property damage liability coverage are also normal.

• Low ($5,000): $434.69
• Medium ($20,000): $463.34
• High ($100,000): $484.28

Most drivers will end up paying an average of $50 (or $8 a month) to upgrade their liability property damage coverage from low to high. You should also ask what insurance group is a Kia Sportage. Knowing what insurance group the Kia Sportage belongs to will help you determine is the vehicle is at higher risk and will have higher rates.

Kia Sportage Safety Features and Ratings

Having safety features in your car can earn you a discount. USNews listed the following safety features for the Kia Sportage:

• Driver Air Bag
• Passenger Air Bag
• Front Head Air Bag
• Rear Head Air Bag
• Front Side Air Bag
• 4-Wheel ABS
• 4-Wheel Disc Brakes
• Brake Assist
• Electronic Stability Control
• Daytime Running Lights
• Child Safety Locks
• Integrated Turn Signal Mirrors
• Traction Control
• Blind Spot Monitor
• Lane Departure Warning
• Lane Keeping Assist
• Cross-Traffic Alert

In addition to safety features, make sure you research other factors and ask questions. Is the Kia Sportage a reliable car? What problems do Kia Sportages have? A good crash test safety rating will also help lower your rates. Insurers want to know if a car is reliable in a crash and are aware of what the best and worst vehicles are for overall collision losses.

The IIHS crash-tested the 2020 Kia Sportage and gave it the following ratings:

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

Because good is the highest rating, the 2020 Kia Sportage actually won the IIHS’s Top Safety Pick award (only applies to Kia Sportage with specific headlights). These results aren’t surprising, as SUVs are generally safer than cars and pickups.

The IIHS’s 2018 fatality study found that driver fatalities per million vehicles equaled 23 for SUVs, 34 for pickups, and 48 for cars. All occupant fatalities per million vehicles equaled 32 for SUVs, 42 for pickups, and 69 for cars.

However, SUVs don’t have the lowest fatality total, as there was a total of 5,035 SUV fatalities, which was slightly more than pickup fatalities (4,369). However, SUV fatalities are fewer than car fatalities (13,138). The numbers below show SUV total fatalities broken up by crash type.

• Frontal Impact: 2,784 fatalities
• Side Impact: 930 fatalities
• Rear Impact: 286 fatalities
• Other (mostly rollovers): 1,035 fatalities

Buying a safe car like the Kia Sportage will help reduce your fatality risk, as well as help reduce your insurance rates.

Kia Sportage Manufacturer Suggested Retail Price

Insurers often use the manufacturer’s suggested retail price (MSRP)to determine collision and comprehensive rates. Why? Collision and comprehensive coverages pay for damages to your vehicle, so MSRP helps insurers calculate how much repairs will be.

Kelley Blue Book (KBB) listed the MSRP and other prices for the 2020 Kia Sportage as follows:

• MSRP: $25,110
• Invoice Price: $24,151
• Fair Purchase Price: $24,098
• Fair Market Range: $23,338 to $24,857

The Kia Sportage isn’t terribly expensive for an SUV, which means collision and comprehensive rates shouldn’t be astronomical. However, the price of these coverages will also depend upon the insurance losses. Below is the IIHS’s data on collision losses.

• Kia Sportage 4-door: -22 percent (better than average)
• Kia Sportage 4-door 4WD: – 22 percent (better than average)

The collision losses are better than average, which is great. It means you could have a slightly lower rate. Next are the comprehensive loss numbers.

• Kia Sportage 4-door: -17 percent (average)
• Kia Sportage 4-door 4WD: -10 percent (average)

These losses aren’t as good as the collision losses, but they are still average.

Kia Sportage Repair Costs

Are Kia cars expensive to maintain? Are Kias expensive to fix? Whenever drivers buy a new car, they should check repair costs to make sure they can afford regular maintenance and repairs.

RepairPal’s reliability rating of the Kia Sportage is four out of five, which is decent. The average annual repair cost for the Kia Sportage is $562, which is slightly lower than repair costs for compact SUVs ($521).

While maintenance costs affect drivers’ budgets, the repair costs after accidents are what affect insurers. We used InstantEstimator’s tool to find out what repair estimates are for level two damage to a 2020 Kia Sportage. Take a look at the results below.

• Front bumper: $413
• Rear bumper: $423
• Hood: $387
• Roof: $471
• Front door: $391
• Rear door: $379
• Fender: $351
• Quarter panel: $363

Repair estimates look normal, although the repair cost for the roof is on the higher side. Shopping around for a repair shop can help reduce costs.

Is a Kia Sportage expensive to insure? We hope our guide to the average insurance cost of the Kia Sportage has helped you decide if insuring a Kia Sportage is within your budget. If you are ready to start shopping for Kia Sportage insurance rates or just want to know which cars are the cheapest to insure, use our free tool by entering your ZIP code.