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How Much is Insurance on a Kia Sportage?

Key takeaways:

  • Full coverage costs around $1,280 a year or $107 each month
  • A liability-only policy costs around $513 a year or $43 each month
  • Highest rates are for teenage drivers at around $4,678 a year or $390 each month
  • Good drivers can save as much as $528 a year by earning policy discounts
  • Kia Sportage insurance costs around $239 less per year than the average vehicle

Kia Sportage insurance rates are $239 cheaper than the average vehicle. Good drivers can save up to $528 per year through policy discounts. High-risk drivers, however, could pay up to $390 per month. Continue reading to learn how you can save money on Kia Sportage insurance rates.

You can start comparing quotes for Kia Sportage insurance rates from some of the best auto insurance companies by using our free online tool now.

Table of Contents

Kia Sportage Insurance Cost

The average Kia Sportage auto insurance costs are $1,280 a year or $107 a month.

Are Kia Sportages Expensive to Insure?

The chart below details how Kia Sportage insurance rates compare to other crossovers like the Toyota RAV4, Kia Niro, and Lincoln MKT.

Vehicle Comprehensive Collision Liability Total
Kia Sportage $280 $470 $372 $1,280
Toyota RAV4 $280 $482 $390 $1,310
Kia Niro $282 $478 $398 $1,316
Lincoln MKT $370 $626 $450 $1,626
Chevrolet Equinox $308 $532 $372 $1,370
FIAT 500X $256 $506 $450 $1,392
Nissan Rogue $268 $512 $440 $1,400
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However, there are a few things you can do to find the cheapest Kia insurance rates online.

What Impacts the Cost of Kia Sportage Insurance?

The Kia Sportage trim and model you choose can impact the total price you will pay for Kia Sportage auto insurance coverage.

Age of the Vehicle

Older Kia Sportage models generally cost less to insure. For example, auto insurance for a 2020 Kia Sportage costs $1,280, while 2010 Kia Sportage insurance costs are $1,074, a difference of $206.

Model Year Comprehensive Collision Liability Total
2020 Kia Sportage $280 $470 $372 $1,280
2019 Kia Sportage $268 $452 $390 $1,268
2018 Kia Sportage $256 $448 $398 $1,260
2017 Kia Sportage $248 $436 $416 $1,258
2016 Kia Sportage $240 $418 $430 $1,246
2015 Kia Sportage $226 $404 $442 $1,230
2014 Kia Sportage $218 $374 $452 $1,202
2013 Kia Sportage $208 $352 $456 $1,174
2012 Kia Sportage $200 $316 $460 $1,134
2011 Kia Sportage $188 $292 $460 $1,098
2010 Kia Sportage $180 $272 $464 $1,074
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Driver Age

Driver age can have a significant impact on Kia Sportage auto insurance rates. As an example, a 40-year-old driver could pay $135 less each month for their Kia Sportage auto insurance compared to a 20-year-old driver.

Driver Location

Where you live can have a large impact on Kia Sportage insurance rates. For example, drivers in New York may pay $780 a year more than drivers in Seattle.

Your Driving Record

Your driving record can have an impact on the cost of Kia Sportage auto insurance. Teens and drivers in their 20’s see the highest jump in their Kia Sportage auto insurance rates with violations on their driving record.

Kia Sportage Safety Ratings

The Kia Sportage’s safety ratings will affect your Kia Sportage auto insurance rates. See the chart below:

Test Type Rating
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
Source: Insurance Institute for Highway Safety
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Kia Sportage Crash Test Ratings

If the Kia Sportage crash test ratings are good, you could have lower Kia Sportage insurance rates. See Kia Sportage crash test results below:

Vehicle Tested Overall Frontal Side Rollover
2020 Kia Sportage SUV FWD 5 stars 4 stars 5 stars 4 stars
2020 Kia Sportage SUV AWD 5 stars 4 stars 5 stars 4 stars
2019 Kia Sportage SUV FWD 5 stars 4 stars 5 stars 4 stars
2019 Kia Sportage SUV AWD 5 stars 4 stars 5 stars 4 stars
2018 Kia Sportage SUV FWD 5 stars 4 stars 5 stars 4 stars
2018 Kia Sportage SUV AWD 5 stars 4 stars 5 stars 4 stars
2017 Kia Sportage SUV FWD 5 stars 4 stars 5 stars 4 stars
2017 Kia Sportage SUV AWD 5 stars 4 stars 5 stars 4 stars
2016 Kia Sportage SUV FWD 4 stars 5 stars 5 stars 4 stars
2016 Kia Sportage SUV AWD 5 stars 5 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Kia Sportage Safety Features

Having a variety of safety features on your Kia Sportage can help lower your Kia Sportage insurance costs. The Kia Sportage’s safety features include:

  • 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

Kia Sportage Insurance Loss Probability

Review the Kia Sportage auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury. The lower percentage means lower Kia Sportage auto insurance costs; higher percentages mean higher Kia Sportage auto insurance costs.

Insurance Coverage Category Loss Rate
Collision -18%
Property Damage 0%
Comprehensive -34%
Personal Injury 13%
Medical Payment 27%
Bodily Injury 9%
Source: Insurance Institute for Highway Safety
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Kia Sportage Finance and Insurance Cost

If you are financing a Kia Sportage, you will pay more if you purchase Kia Sportage auto insurance at the dealership, so be sure to shop around and compare Kia Sportage auto insurance quotes from the best companies using our FREE tool below.

Ways to Save on Kia Sportage Insurance

There are several ways you can save even more on your Kia Sportage insurance rates. Take a look at the following five tips:

  • Consider Kia Sportage Insurance Costs Before Buying a Kia Sportage
  • Drive Your Kia Sportage Safely
  • Save Money on Young Driver Kia Sportage Insurance By Mentioning Grades or GPA
  • Park Your Kia Sportage Somewhere Safe – like a Garage or Private Driveway
  • Improve Your Credit Score

Top Kia Sportage Insurance Companies

Several top auto insurance companies offer competitive rates for the Kia Sportage rates based on factors like discounts for safety features. Take a look at this list of top auto insurance companies that are popular with Kia Sportage drivers organized by market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Kia Sportage Insurance Quotes Online

Save on your Kia Sportage insurance rates by taking advantage of our FREE comparison tool.

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