Kia Sportage EX 4WD 4-Dr Insurance Rates

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Estimated insurance rates for a Kia Sportage EX 4WD 4-Dr are $1,328 a year including full coverage. Comprehensive costs around $298, collision insurance costs $508, and liability costs around $364. A liability-only policy costs as low as $430 a year, and high-risk insurance costs around $2,858. Teen drivers pay the most at up to $4,906 a year.

Annual premium for full coverage: $1,328

Premium estimates for type of coverage:

Comprehensive $298
Collision $508
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 the normal driver, insurance rates for a Kia Sportage EX 4WD 4-Dr range from the low end price of $430 for just liability coverage to the much higher price of $2,858 for a driver who requires high-risk insurance.

Liability Only $430
Full Coverage $1,328
High Risk $2,858

Insurance Price Range by Location

Where you live can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas. The example below illustrates how geographic area affects auto insurance rates.

Rural Areas $996
Small Cities $1,394
Large Cities $1,793

These rate differences highlight why everyone should compare prices for a specific zip code, instead of 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.

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Auto insurance rates for a Kia Sportage EX 4WD 4-Dr also have a wide range based on the replacement cost of your Sportage, your driving record and age, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are likely paying at least $1,600 to $2,100 in extra premium annually, depending on your age. Kia Sportage EX 4WD 4-Dr insurance for high-risk drivers can be as much as 43% to 135% more than average. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay as much as $4,900 a year. View Rates by Age

Where you choose to live has a huge impact on Kia Sportage EX 4WD 4-Dr insurance prices. A driver around age 40 might see prices as low as $1,060 a year in states like , Indiana, and North Carolina, or as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

Choosing high deductibles could cut prices by as much as $540 every year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $327 extra every year. View Rates by Deductible or Liability Limit

With such a large range of prices, the best way to figure out your exact price is to regularly compare prices and see which company has the best price. Each insurance company uses a different rate calculation, and quoted rates will be substantially different.

View Chart as Image

Kia Sportage EX 4WD 4-Dr insurance cost comparison chart
Column chart showing Kia Sportage EX 4WD 4-Dr insurance prices range from $769 to $4,906 for full coverage

The chart above shows average Kia Sportage EX 4WD 4-Dr insurance prices for various risks and coverage choices. The best price after discounts is $769. Drivers who choose higher $1,000 deductibles will pay $1,146. The average price for a driver age 40 with no violations using $500 deductibles is $1,328. Selecting more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $1,684. High risk drivers could be charged up to $2,858. The rate for full coverage insurance for a 16-year-old driver can be as high as $4,906.

Kia Sportage EX 4WD 4-Dr Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,202 -$126 -9.5%
Alaska $1,020 -$308 -23.2%
Arizona $1,104 -$224 -16.9%
Arkansas $1,328 -$0 0.0%
California $1,514 $186 14.0%
Colorado $1,272 -$56 -4.2%
Connecticut $1,366 $38 2.9%
Delaware $1,504 $176 13.3%
Florida $1,664 $336 25.3%
Georgia $1,228 -$100 -7.5%
Hawaii $954 -$374 -28.2%
Idaho $898 -$430 -32.4%
Illinois $988 -$340 -25.6%
Indiana $1,002 -$326 -24.5%
Iowa $898 -$430 -32.4%
Kansas $1,264 -$64 -4.8%
Kentucky $1,814 $486 36.6%
Louisiana $1,966 $638 48.0%
Maine $820 -$508 -38.3%
Maryland $1,096 -$232 -17.5%
Massachusetts $1,062 -$266 -20.0%
Michigan $2,308 $980 73.8%
Minnesota $1,112 -$216 -16.3%
Mississippi $1,592 $264 19.9%
Missouri $1,180 -$148 -11.1%
Montana $1,428 $100 7.5%
Nebraska $1,048 -$280 -21.1%
Nevada $1,594 $266 20.0%
New Hampshire $958 -$370 -27.9%
New Jersey $1,486 $158 11.9%
New Mexico $1,176 -$152 -11.4%
New York $1,400 $72 5.4%
North Carolina $766 -$562 -42.3%
North Dakota $1,088 -$240 -18.1%
Ohio $916 -$412 -31.0%
Oklahoma $1,366 $38 2.9%
Oregon $1,218 -$110 -8.3%
Pennsylvania $1,266 -$62 -4.7%
Rhode Island $1,772 $444 33.4%
South Carolina $1,204 -$124 -9.3%
South Dakota $1,120 -$208 -15.7%
Tennessee $1,164 -$164 -12.3%
Texas $1,602 $274 20.6%
Utah $986 -$342 -25.8%
Vermont $910 -$418 -31.5%
Virginia $796 -$532 -40.1%
Washington $1,026 -$302 -22.7%
West Virginia $1,218 -$110 -8.3%
Wisconsin $920 -$408 -30.7%
Wyoming $1,184 -$144 -10.8%

View Chart as Image

Kia Sportage EX 4WD 4-Dr insurance rates by U.S. city

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Rates by Driver Age

Kia Sportage EX 4WD 4-Dr Insurance Rates by Driver Age
Driver Age Premium
16 $4,906
20 $3,050
30 $1,386
40 $1,328
50 $1,212
60 $1,188

Full coverage, $500 deductibles

Rates by Deductible

Kia Sportage EX 4WD 4-Dr Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,684
$250 $1,520
$500 $1,328
$1,000 $1,146

Full coverage, driver age 40

Rates by Liability Limit

Kia Sportage EX 4WD 4-Dr Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,328
50/100 $1,401
100/300 $1,492
250/500 $1,728
100 CSL $1,437
300 CSL $1,637
500 CSL $1,783

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Sportage EX 4WD 4-Dr Insurance Rates for High Risk Drivers
Age Premium
16 $6,992
20 $4,842
30 $2,922
40 $2,858
50 $2,728
60 $2,700

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 $181

Potential Rate Discounts

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

Discount Savings
Multi-policy $70
Multi-vehicle $68
Homeowner $19
5-yr Accident Free $97
5-yr Claim Free $85
Paid in Full/EFT $61
Advance Quote $65
Online Quote $94
Total Discounts $559
Rate after discounts $769

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

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