Kia Sportage Insurance Rates

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.

Average insurance rates for a Kia Sportage are $1,230 a year for full coverage. Comprehensive costs on average $226 a year, collision costs $404, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing around $2,668. Teen drivers receive the highest rates at $4,762 a year or more.

Average premium for full coverage: $1,230

Rate estimates by individual coverage type:

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Sportage trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price averages.

Use the form below to get customized rates for your location.

Insurance Rate Analysis

The chart below shows estimated Kia Sportage insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $718
• Drivers who choose higher $1,000 deductibles will pay around $1,088 a year
• The average rate for a 40-year-old driver with $500 deductibles is $1,230
• Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,508
• High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,668 or more
• The cost for full coverage for a teen driver may cost $4,762 a year

View Chart as Image

for a Kia Sportage can also vary considerably based on your driver profile, the trim level of your Sportage, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,700 a year. View Rates by Age

Where you live makes a big difference in Kia Sportage insurance rates. A 40-year-old driver could pay as low as $810 a year in states like Idaho, Maine, and Iowa, or as much as $1,760 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could save up to $420 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $398 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,500 to $2,000 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 136% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find Cheaper Kia Sportage Insurance

Saving money on Kia Sportage insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

• Increasing deductibles can save around $425 each year
• Drivers can save as much as $150 per year simply by quoting early and online
• Drivers who require more liability insurance will pay about $490 each year to go from a minimum limit to 250/500 limits
• Young drivers pay the highest rates, costing as high as $397 per month for full coverage
• High-risk drivers that have multiple accidents or serious violations will pay on average $1,440 more each year for insurance

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.

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.

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.

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.