Kia Sportage LX 2WD 4-Dr Insurance Rates

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The average auto insurance rates for a Kia Sportage LX 2WD 4-Dr are $1,194 annually including full coverage. Comprehensive insurance costs around $258 each year, collision costs $414, and liability costs $364. Buying just liability costs as little as $430 a year, with insurance for high-risk drivers costing $2,556 or more. Teenage drivers cost the most to insure at $4,472 a year or more.

Annual premium for full coverage: $1,194

Policy rates for individual coverage:

Comprehensive $258
Collision $414
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 a driver in their 40's, Kia Sportage LX 2WD 4-Dr insurance rates go from as cheap as $430 for minimum levels of liability insurance to a high rate of $2,556 for a driver who has had serious violations or accidents.

Liability Only $430
Full Coverage $1,194
High Risk $2,556

These price differences highlight why all drivers should compare rates for a specific zip code and their own personal driving habits, instead of using average rates.

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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Insurance rates for a Kia Sportage LX 2WD 4-Dr also range considerably based on the model year, your driving characteristics, and deductibles and policy limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for teenagers, where even without any violations or accidents they can expect to pay as much as $4,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,400 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $450 every year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise prices by up to $327 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Kia Sportage LX 2WD 4-Dr insurance prices. A 40-year-old driver could pay as low as $1,060 a year in states like , Indiana, and North Carolina, or be forced to pay as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

Because prices have so much variability, the best way to figure out your exact price is to do a rate comparison and see which company has the best price. Every company uses a different method to calculate prices, so the rates will be varied between companies.

View Chart as Image

Kia Sportage LX 2WD 4-Dr insurance cost comparison chart
Column chart showing Kia Sportage LX 2WD 4-Dr insurance prices range from $704 to $4,472 for full coverage

The chart above shows average Kia Sportage LX 2WD 4-Dr insurance prices for different situations. The best price after discounts is $704. Drivers who use higher $1,000 deductibles will pay about $1,040. The average price for a driver age 40 with no violations using $500 deductibles is $1,194. Using lower $100 deductibles for collision and other-than-collision coverage can cost as much as $1,486. Drivers with multiple violations and accidents could be charged around $2,556. The policy rate for full coverage for a 16-year-old driver is $4,472.

Kia Sportage LX 2WD 4-Dr Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,078 -$116 -9.7%
Alaska $914 -$280 -23.5%
Arizona $992 -$202 -16.9%
Arkansas $1,194 -$0 0.0%
California $1,358 $164 13.7%
Colorado $1,140 -$54 -4.5%
Connecticut $1,226 $32 2.7%
Delaware $1,350 $156 13.1%
Florida $1,492 $298 25.0%
Georgia $1,102 -$92 -7.7%
Hawaii $856 -$338 -28.3%
Idaho $806 -$388 -32.5%
Illinois $888 -$306 -25.6%
Indiana $898 -$296 -24.8%
Iowa $806 -$388 -32.5%
Kansas $1,134 -$60 -5.0%
Kentucky $1,626 $432 36.2%
Louisiana $1,764 $570 47.7%
Maine $734 -$460 -38.5%
Maryland $984 -$210 -17.6%
Massachusetts $954 -$240 -20.1%
Michigan $2,072 $878 73.5%
Minnesota $998 -$196 -16.4%
Mississippi $1,430 $236 19.8%
Missouri $1,056 -$138 -11.6%
Montana $1,280 $86 7.2%
Nebraska $940 -$254 -21.3%
Nevada $1,430 $236 19.8%
New Hampshire $860 -$334 -28.0%
New Jersey $1,334 $140 11.7%
New Mexico $1,056 -$138 -11.6%
New York $1,256 $62 5.2%
North Carolina $688 -$506 -42.4%
North Dakota $976 -$218 -18.3%
Ohio $824 -$370 -31.0%
Oklahoma $1,226 $32 2.7%
Oregon $1,092 -$102 -8.5%
Pennsylvania $1,138 -$56 -4.7%
Rhode Island $1,590 $396 33.2%
South Carolina $1,080 -$114 -9.5%
South Dakota $1,004 -$190 -15.9%
Tennessee $1,044 -$150 -12.6%
Texas $1,438 $244 20.4%
Utah $884 -$310 -26.0%
Vermont $816 -$378 -31.7%
Virginia $714 -$480 -40.2%
Washington $922 -$272 -22.8%
West Virginia $1,094 -$100 -8.4%
Wisconsin $826 -$368 -30.8%
Wyoming $1,062 -$132 -11.1%

View Chart as Image

Kia Sportage LX 2WD 4-Dr insurance rates by U.S. city

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Rates by Driver Age

Kia Sportage LX 2WD 4-Dr Insurance Rates by Driver Age
Driver Age Premium
16 $4,472
20 $2,730
30 $1,238
40 $1,194
50 $1,088
60 $1,068

Full coverage, $500 deductibles

Rates by Deductible

Kia Sportage LX 2WD 4-Dr Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,486
$250 $1,350
$500 $1,194
$1,000 $1,040

Full coverage, driver age 40

Rates by Liability Limit

Kia Sportage LX 2WD 4-Dr Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,194
50/100 $1,267
100/300 $1,358
250/500 $1,594
100 CSL $1,303
300 CSL $1,503
500 CSL $1,649

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Sportage LX 2WD 4-Dr Insurance Rates for High Risk Drivers
Age Premium
16 $6,352
20 $4,330
30 $2,608
40 $2,556
50 $2,440
60 $2,416

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 $160

Potential Rate Discounts

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

Discount Savings
Multi-policy $62
Multi-vehicle $61
Homeowner $18
5-yr Accident Free $83
5-yr Claim Free $75
Paid in Full/EFT $52
Advance Quote $56
Online Quote $83
Total Discounts $490
Rate after discounts $704

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

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