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2019 Kia Sportage Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 9, 2020

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Average insurance rates for a 2019 Kia Sportage are $1,260 a year including full coverage. Comprehensive insurance costs an estimated $256 each year, collision costs $448, and liability coverage costs around $398. Buying a liability-only policy costs as low as $460 a year, with high-risk insurance costing $2,722 or more. Teen drivers receive the highest rates at $4,770 a year or more.

Annual premium for full coverage: $1,260

Rate estimates for 2019 Kia Sportage Insurance

Comprehensive $256
Collision $448
Liability $398

Rate data is compiled from all 50 U.S. states and averaged for all 2019 Kia Sportage models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from as low as $460 for basic liability insurance to a high rate of $2,722 for high-risk insurance.

Liability Only $460
Full Coverage $1,260
High Risk $2,722

View Chart as Image

2019 Kia Sportage insurance rates compared
Column chart showing 2019 Kia Sportage insurance prices range from $735 to $4,770 for full coverage

These differences highlight why all drivers should compare prices for a targeted area and risk profile, rather than using 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.

Recommended Companies for Cheap 2019 Kia Sportage Insurance

Searching Companies

Want lower insurance coverage rates for your Kia Sportage? Wish you could get out of an expensive insurance coverage policy? It’s quite common and there are lots of residents who feel the same. Multiple auto insurance companies compete for your business, and it can be difficult to compare rates to get the lowest cost out there.

How much does insurance coverage cost?

Most of the larger companies give coverage prices online. Obtaining pricing is quite simple because you just enter the amount of coverage you want into the form. After you submit the form their rating system sends out for your driving and credit reports and returns a price quote based on these and other factors. Being able to quote online simplifies rate comparisons, but the work required to visit multiple sites and type in your information is not the best way to spend an afternoon. But it’s very important to do this in order to find the best price possible.

Isn’t there an easier way to compare rates?

The quickest way to find lower prices requires only one form to return rates from a bunch of companies at once. The form is fast, eliminates repetitive work, and makes quoting online a little more enjoyable. Immediately after submitting the form, it is quoted with multiple companies and you can pick any or none of the quotes that you receive. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. The entire process takes 15 minutes at the most and can result in significant savings.

To fill out one form to compare multiple rates now, simply enter your zip code here and submit the form. If you have coverage now, it’s recommended you copy the coverage information identical to your current policy. This ensures you will get an apples-to-apples comparison based on similar coverages.

Car insurance discounts help cut rates

Some insurance providers don’t always list their entire list of discounts very well, so the list below details some of the best known as well as the least known credits available to you.

  • Homeowners Pay Less – Owning a home may earn you a small savings because maintaining a house is proof that your finances are in order.
  • No Claims – Insureds with no claims or accidents can save substantially when compared to insureds who have frequent claims or accidents.
  • Pay Upfront and Save – By paying your entire bill at once rather than paying monthly you could save up to 5%.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to use their safety belts can save up to 15% off the personal injury premium cost.
  • Discounts for Government Workers – Having worked for a branch of the government may qualify for a discount when you quote insurance for Sportage insurance depending on your company.
  • Telematics Data Discounts – Insureds that choose to allow their insurance company to track vehicle usage by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they show good driving skills.
  • Good Driver Discount – Safe drivers may save up to 50% more for Sportage insurance than drivers with accident claims.
  • Renewal Discounts – Some insurance companies reward drivers for switching policies prior to the expiration date on your current policy. It can save you around 10%.
  • College Student Discount – Children who are attending college and do not have a car can be insured at a reduced rate.
  • Discount for Passive Restraints – Vehicles with factory air bags or automatic seat belts can qualify for discounts of up to 25% or more.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the whole policy. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Larger car insurance companies and the discounts they provide can be found below.

  • State Farm offers discounts for safe vehicle, anti-theft, Drive Safe & Save, good driver, multiple autos, and accident-free.
  • American Family policyholders can earn discounts including good driver, multi-vehicle, bundled insurance, Steer into Savings, air bags, accident-free, and TimeAway discount.
  • GEICO may have discounts that include membership and employees, seat belt use, emergency military deployment, anti-lock brakes, driver training, and five-year accident-free.
  • 21st Century includes discounts for driver training, teen driver, good student, defensive driver, early bird, theft prevention, and air bags.
  • Progressive offers discounts including online quote discount, continuous coverage, multi-policy, homeowner, good student, online signing, and multi-vehicle.

Double check with all the companies which discounts can lower your rates. Some of the earlier mentioned discounts might not apply in your area. To find companies that offer many of these discounts, enter your zip code here.

Which is the best insurance coverage?

When it comes to choosing proper insurance coverage, there really is not a “perfect” insurance plan. Every situation is different so your insurance needs to address that. Here are some questions about coverages that could help you determine whether your personal situation might need an agent’s assistance.

  • How much underlying liability do I need for an umbrella policy?
  • Is my teenager covered with friends in the car?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I covered if I hit my neighbor’s mailbox?
  • How much liability insurance is required?
  • What if I total my 2019 Kia Sportage and owe more than it’s worth?
  • Is my business laptop covered if it gets stolen from my vehicle?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete your zip code. It’s fast, doesn’t cost anything and you can get the answers you need.

What auto insurance coverages do you need?

Knowing the specifics of your policy aids in choosing which coverages you need for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring. These are typical coverages available from auto insurance companies.

Uninsured or underinsured coverage

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like dental work, funeral costs, hospital visits, pain medications and surgery. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as backing into a parked car, colliding with another moving vehicle and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Comprehensive protection

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, a tree branch falling on your vehicle and fire damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability insurance

Liability insurance will cover injuries or damage you cause to people or other property by causing an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims such as pain and suffering, bail bonds, court costs and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

The bottom line

Budget-conscious 2019 Kia Sportage insurance is attainable online as well as from insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers do not offer rate quotes online and many times these regional carriers prefer to sell through local independent agents.

Throughout this article, we presented some good ideas how you can get a better price on 2019 Kia Sportage insurance. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the lowest rates are with a lesser-known regional company. Regional companies may cover specific market segments cheaper than the large multi-state companies such as State Farm or Progressive.

Additional detailed information can be read in these articles:

Rates by U.S. City

2019 Kia Sportage Insurance Rates by City
City Premium
New York City, NY $1,995
Los Angeles, CA $2,154
Philadelphia, PA $1,683
Jacksonville, FL $1,830
Phoenix, AZ $1,464
Chicago, IL $1,696
Houston, TX $1,979
Seattle, WA $1,230
Columbus, OH $1,055
Indianapolis, IN $1,074

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2019 Kia Sportage Insurance Rates by Driver Age
Driver Age Premium
16 $4,770
20 $2,908
30 $1,310
40 $1,260
50 $1,154
60 $1,130

Full coverage, $500 deductibles

Rates by Deductible

2019 Kia Sportage Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,570
$250 $1,426
$500 $1,260
$1,000 $1,102

Full coverage, driver age 40

Rates by Liability Limit

Kia Sportage Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,260
50/100 $1,340
100/300 $1,439
250/500 $1,698
100 CSL $1,379
300 CSL $1,598
500 CSL $1,758

Full coverage, driver age 40

Rates for High Risk Drivers

2019 Kia Sportage Insurance Rates for High Risk Drivers
Age Premium
16 $6,784
20 $4,622
30 $2,776
40 $2,722
50 $2,600
60 $2,576

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 $173

Potential Rate Discounts

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

Discount Savings
Multi-policy $66
Multi-vehicle $66
Homeowner $19
5-yr Accident Free $90
5-yr Claim Free $80
Paid in Full/EFT $55
Advance Quote $61
Online Quote $88
Total Discounts $525
Rate after discounts $735

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

Find companies with the cheapest rates in your area

2019 Kia Sportage Insurance Rates by State
State Premium
Alabama $1,140
Alaska $968
Arizona $1,046
Arkansas $1,260
California $1,436
Colorado $1,206
Connecticut $1,298
Delaware $1,426
Florida $1,578
Georgia $1,164
Hawaii $906
Idaho $854
Illinois $942
Indiana $950
Iowa $852
Kansas $1,198
Kentucky $1,720
Louisiana $1,866
Maine $778
Maryland $1,040
Massachusetts $1,010
Michigan $2,192
Minnesota $1,054
Mississippi $1,512
Missouri $1,120
Montana $1,354
Nebraska $994
Nevada $1,512
New Hampshire $908
New Jersey $1,410
New Mexico $1,118
New York $1,330
North Carolina $728
North Dakota $1,032
Ohio $872
Oklahoma $1,298
Oregon $1,156
Pennsylvania $1,202
Rhode Island $1,682
South Carolina $1,144
South Dakota $1,064
Tennessee $1,104
Texas $1,522
Utah $934
Vermont $864
Virginia $754
Washington $976
West Virginia $1,156
Wisconsin $874
Wyoming $1,122

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