Kia Sportage Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Nov 16, 2021

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Kia Sportage insurance

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.

Average insurance prices for a Kia Sportage are $1,230 every 12 months for full coverage. Comprehensive costs approximately $226, collision costs $404, and liability is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing around $2,668. 16-year-old drivers receive the highest rates at $4,762 a year or more.

Average premium for full coverage: $1,230

Rate estimates by individual coverage type:

Comprehensive $226
Collision $404
Liability $442

Prices are based on $500 deductible amounts, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and for all Sportage models.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from the cheapest price of $496 for a discount liability-only rate to the much higher price of $2,668 for a driver that may need high-risk insurance.

Liability Only $496
Full Coverage $1,230
High Risk $2,668

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural locations tend to have more infrequent accident claims than congested cities.

The example below illustrates how where you live affects auto insurance prices.

Rural Areas $923
Small Cities $1,292
Large Cities $1,661

These examples show why everyone should compare rates quotes using their specific location and their own driving history, instead of making a decision based on rate averages.

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

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

Rates by State, City, and Model

The chart below shows estimated Kia Sportage insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $718
  • Raising to $1,000 deductibles will save $142 a year
  • The average price for a 40-year-old driver who chooses $500 deductibles is $1,230
  • Buying pricier low deductibles increases the price to $1,508
  • Drivers with multiple tickets or accidents could pay around $2,668 or more
  • The cost to insure a 16-year-old driver for full coverage can cost $4,762

View Chart as Image

Kia Sportage insurance cost comparison chart
Column chart showing full coverage Kia Sportage insurance rates range from $718 to $4,762

Car insurance rates for a Kia Sportage can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your Sportage.

Opting for high physical damage deductibles can reduce rates by up to $420 annually, whereas buying more liability protection will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged in the ballpark of $4,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,500 to $2,000 extra per year, depending on your age. Kia Sportage insurance for high-risk drivers is expensive and can cost from 42% to 136% more than the average rate. View High Risk Driver Rates

Where you live also has a big influence on Kia Sportage insurance prices. A middle-age driver might find rates as low as $810 a year in states like Iowa, Maine, and Idaho, or at least $1,760 on average in New York, Louisiana, and Michigan.

Kia Sportage Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,112 -$118 -9.6%
Alaska $946 -$284 -23.1%
Arizona $1,024 -$206 -16.7%
Arkansas $1,230 -$0 0.0%
California $1,402 $172 14.0%
Colorado $1,176 -$54 -4.4%
Connecticut $1,264 $34 2.8%
Delaware $1,392 $162 13.2%
Florida $1,538 $308 25.0%
Georgia $1,136 -$94 -7.6%
Hawaii $884 -$346 -28.1%
Idaho $834 -$396 -32.2%
Illinois $916 -$314 -25.5%
Indiana $926 -$304 -24.7%
Iowa $828 -$402 -32.7%
Kansas $1,170 -$60 -4.9%
Kentucky $1,678 $448 36.4%
Louisiana $1,822 $592 48.1%
Maine $760 -$470 -38.2%
Maryland $1,016 -$214 -17.4%
Massachusetts $984 -$246 -20.0%
Michigan $2,138 $908 73.8%
Minnesota $1,030 -$200 -16.3%
Mississippi $1,474 $244 19.8%
Missouri $1,090 -$140 -11.4%
Montana $1,324 $94 7.6%
Nebraska $970 -$260 -21.1%
Nevada $1,476 $246 20.0%
New Hampshire $886 -$344 -28.0%
New Jersey $1,376 $146 11.9%
New Mexico $1,090 -$140 -11.4%
New York $1,298 $68 5.5%
North Carolina $708 -$522 -42.4%
North Dakota $1,008 -$222 -18.0%
Ohio $850 -$380 -30.9%
Oklahoma $1,264 $34 2.8%
Oregon $1,128 -$102 -8.3%
Pennsylvania $1,176 -$54 -4.4%
Rhode Island $1,642 $412 33.5%
South Carolina $1,114 -$116 -9.4%
South Dakota $1,038 -$192 -15.6%
Tennessee $1,080 -$150 -12.2%
Texas $1,482 $252 20.5%
Utah $912 -$318 -25.9%
Vermont $842 -$388 -31.5%
Virginia $738 -$492 -40.0%
Washington $952 -$278 -22.6%
West Virginia $1,128 -$102 -8.3%
Wisconsin $852 -$378 -30.7%
Wyoming $1,098 -$132 -10.7%

View Chart as Image

Kia Sportage insurance rates by U.S. city

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to regularly compare rates from multiple companies. Every auto insurance company utilizes a different rate formula, so rate quotes can be significantly different.

Insurance Rates by Trim Level and Model Year

Kia Sportage Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Kia Sportage LX 2WD 4-Dr $1,154 $96
Kia Sportage LX 2WD 4-Dr $1,154 $96
Kia Sportage EX 2WD 4-Dr $1,230 $103
Kia Sportage LX 4WD 4-Dr $1,230 $103
Kia Sportage LX $1,230 $103
Kia Sportage EX 4WD 4-Dr $1,268 $106

Rates assume 2018 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.

Kia Sportage Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Kia Sportage $226 $404 $442 $1,230
2017 Kia Sportage $218 $374 $452 $1,202
2016 Kia Sportage $208 $352 $456 $1,174
2014 Kia Sportage $188 $292 $460 $1,098
2013 Kia Sportage $180 $272 $464 $1,074
2012 Kia Sportage $176 $254 $474 $1,062
2009 Kia Sportage $148 $196 $474 $976
2008 Kia Sportage $140 $178 $474 $950
2007 Kia Sportage $134 $160 $468 $920
2006 Kia Sportage $132 $156 $460 $906
2005 Kia Sportage $130 $150 $452 $890

Rates are averaged for all Kia Sportage models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for Affordable Kia Sportage Insurance

Saving money on insurance for a Kia Sportage consists of having a good driving record, maintaining a good credit score, eliminating unneeded coverage, and avoiding coverage lapses. Take the time to comparison shop once a year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The next list is a brief review of the data that was touched on in the above illustrations.

  • Drivers can save around $150 per year simply by quoting online well ahead of the renewal date
  • Insureds who purchase increased levels of liability coverage will pay around $490 each year to raise from a minimum limit to a 250/500 level
  • Drivers age 20 and younger pay the highest auto insurance rates, costing as high as $397 per month if the policy includes full coverage
  • Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,440 more per year to buy Kia Sportage insurance

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.

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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.

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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.

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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.

Rates by Driver Age

Kia Sportage Insurance Rates by Driver Age
Driver Age Premium
16 $4,762
20 $2,846
30 $1,272
40 $1,230
50 $1,128
60 $1,106

Full coverage, $500 deductibles

Rates by Deductible

Kia Sportage Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,508
$250 $1,378
$500 $1,230
$1,000 $1,088

Full coverage, driver age 40

Rates by Liability Limit

Kia Sportage Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,230
50/100 $1,356
100/300 $1,467
250/500 $1,754
100 CSL $1,401
300 CSL $1,644
500 CSL $1,821

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Sportage Insurance Rates for High Risk Drivers
Age Premium
16 $6,760
20 $4,536
30 $2,712
40 $2,668
50 $2,550
60 $2,528

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 $171

Potential Rate Discounts

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

Discount Savings
Multi-policy $64
Multi-vehicle $66
Homeowner $20
5-yr Accident Free $86
5-yr Claim Free $79
Paid in Full/EFT $52
Advance Quote $59
Online Quote $86
Total Discounts $512
Rate after discounts $718

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

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