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: Jun 6, 2023

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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.

U.S. average insurance rates for a Kia Sportage are $1,202 a year with full coverage. Comprehensive costs on average $218 a year, collision insurance costs $374, and liability coverage is $452. A policy with just liability insurance costs around $504 a year, and coverage for high-risk drivers costs around $2,604. Teens pay the highest rates at up to $4,674 a year.

Average premium for full coverage: $1,202

Price estimates by individual coverage:

Comprehensive $218
Collision $374
Liability $452

Prices include $500 deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and Sportage trim levels.

Price Range from Low to High

For the normal driver, Kia Sportage insurance prices range from the low end price of $504 for a discount liability-only rate to a high of $2,604 for a high-risk insurance policy.

Liability Only $504
Full Coverage $1,202
High Risk $2,604

Geographic Price Range

Choosing to live in a large city has a large influence on auto insurance rates. Rural areas have lower incidents of collision claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects car insurance rates.

Rural Areas $902
Small Cities $1,262
Large Cities $1,623

The ranges above demonstrate why it is important to compare rates quotes based on a specific location, rather than using averaged prices.

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 details average Kia Sportage insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $705
  • Raising to $1,000 deductibles will save around $1,068 annually
  • The estimated price for the average middle-age driver with $500 deductibles is $1,202
  • Selecting low $100 deductibles bumps up the cost to $1,462
  • Unlucky drivers with serious driving violations could pay upwards of $2,604
  • The price that insures a teenage driver may cost $4,674

View Chart as Image

Kia Sportage insurance cost comparison chart
Column chart showing Kia Sportage insurance rates range from $705 to $4,674 for full coverage

Insurance prices for a Kia Sportage are also quite variable based on the trim level of your Sportage, your age and driving habits, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 130% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $4,600 a year. View Rates by Age

The state you live in also has a big influence on Kia Sportage insurance rates. A middle-age driver might find prices as low as $870 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,620 on average in Florida, Michigan, and New York.

Kia Sportage Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,086 -$116 -9.7%
Alaska $922 -$280 -23.3%
Arizona $996 -$206 -17.1%
Arkansas $1,202 -$0 0.0%
California $1,370 $168 14.0%
Colorado $1,148 -$54 -4.5%
Connecticut $1,238 $36 3.0%
Delaware $1,360 $158 13.1%
Florida $1,504 $302 25.1%
Georgia $1,108 -$94 -7.8%
Hawaii $864 -$338 -28.1%
Idaho $814 -$388 -32.3%
Illinois $896 -$306 -25.5%
Indiana $904 -$298 -24.8%
Iowa $810 -$392 -32.6%
Kansas $1,142 -$60 -5.0%
Kentucky $1,640 $438 36.4%
Louisiana $1,778 $576 47.9%
Maine $742 -$460 -38.3%
Maryland $992 -$210 -17.5%
Massachusetts $962 -$240 -20.0%
Michigan $2,088 $886 73.7%
Minnesota $1,006 -$196 -16.3%
Mississippi $1,438 $236 19.6%
Missouri $1,066 -$136 -11.3%
Montana $1,290 $88 7.3%
Nebraska $950 -$252 -21.0%
Nevada $1,442 $240 20.0%
New Hampshire $866 -$336 -28.0%
New Jersey $1,342 $140 11.6%
New Mexico $1,064 -$138 -11.5%
New York $1,264 $62 5.2%
North Carolina $694 -$508 -42.3%
North Dakota $984 -$218 -18.1%
Ohio $830 -$372 -30.9%
Oklahoma $1,234 $32 2.7%
Oregon $1,102 -$100 -8.3%
Pennsylvania $1,148 -$54 -4.5%
Rhode Island $1,604 $402 33.4%
South Carolina $1,088 -$114 -9.5%
South Dakota $1,014 -$188 -15.6%
Tennessee $1,052 -$150 -12.5%
Texas $1,450 $248 20.6%
Utah $890 -$312 -26.0%
Vermont $822 -$380 -31.6%
Virginia $718 -$484 -40.3%
Washington $930 -$272 -22.6%
West Virginia $1,102 -$100 -8.3%
Wisconsin $832 -$370 -30.8%
Wyoming $1,072 -$130 -10.8%

View Chart as Image

Kia Sportage insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $400 a year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit

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 $1,132 $94
Kia Sportage LX 2WD 4-Dr $1,132 $94
Kia Sportage EX 2WD 4-Dr $1,202 $100
Kia Sportage LX 4WD 4-Dr $1,202 $100
Kia Sportage LX $1,202 $100
Kia Sportage EX 4WD 4-Dr $1,238 $103

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 $218 $374 $452 $1,202
2017 Kia Sportage $208 $352 $456 $1,174
2016 Kia Sportage $200 $316 $460 $1,134
2014 Kia Sportage $180 $272 $464 $1,074
2013 Kia Sportage $176 $254 $474 $1,062
2012 Kia Sportage $164 $236 $474 $1,032
2009 Kia Sportage $140 $178 $474 $950
2008 Kia Sportage $134 $160 $468 $920
2007 Kia Sportage $132 $156 $460 $906
2006 Kia Sportage $130 $150 $452 $890
2005 Kia Sportage $120 $142 $446 $866

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 Find the Right Kia Sportage Insurance

Getting lower rates on auto insurance consists of not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Compare rates at least every other year by getting price quotes from direct companies, and also from several local insurance agents.

The following is a quick rundown of the car insurance concepts presented in the illustrations above.

  • Drivers with reckless driving or DUI convictions pay on average $1,400 more each year for Sportage insurance
  • You may be able to save as much as $140 per year just by quoting early and online
  • Increasing physical damage deductibles can save approximately $400 each year
  • Consumers who require higher liability limits will pay approximately $500 every year to raise from a low limit to the 250/500 level

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 $4,674
20 $2,776
30 $1,238
40 $1,202
50 $1,100
60 $1,078

Full coverage, $500 deductibles

Rates by Deductible

Kia Sportage Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,462
$250 $1,342
$500 $1,202
$1,000 $1,068

Full coverage, driver age 40

Rates by Liability Limit

Kia Sportage Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,202
50/100 $1,328
100/300 $1,441
250/500 $1,735
100 CSL $1,374
300 CSL $1,622
500 CSL $1,803

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Sportage Insurance Rates for High Risk Drivers
Age Premium
16 $6,634
20 $4,422
30 $2,640
40 $2,604
50 $2,488
60 $2,464

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 $166

Potential Rate Discounts

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

Discount Savings
Multi-policy $63
Multi-vehicle $65
Homeowner $19
5-yr Accident Free $82
5-yr Claim Free $77
Paid in Full/EFT $50
Advance Quote $57
Online Quote $84
Total Discounts $497
Rate after discounts $705

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

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