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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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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 $1,268 a year for full coverage. Comprehensive costs an estimated $268 a year, collision costs $452, and liability costs $390. Liability-only insurance costs as little as $452 a year, with high-risk driver insurance costing around $2,730. Teen drivers pay the highest rates at $4,758 a year or more.

Average premium for full coverage: $1,268

Price estimates broken down by individual coverage:

Comprehensive $268
Collision $452
Liability $390

Estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and Sportage trim levels.

Price Range from Low to High

For a driver in their 40's, Kia Sportage insurance prices go from the low end price of $452 for minimum levels of liability insurance to a high of $2,730 for a driver who has had serious violations or accidents.

Liability Only $452
Full Coverage $1,268
High Risk $2,730

Geographic Price Range

Your location can have significant affects on insurance rates. More rural locations have lower incidents of accident claims than larger metro areas.

The diagram below illustrates how location helps determine insurance prices.

Rural Areas $951
Small Cities $1,331
Large Cities $1,712

The ranges above show why it is important to compare rates for a targeted area, instead of using price averages.

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.

Additional Rate Details

The chart below shows estimated Kia Sportage insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $739
  • Drivers who choose higher $1,000 deductibles will pay approximately $1,104 a year
  • The estimated price for the average middle-age driver who has $500 deductibles is $1,268
  • Choosing low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,582
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,730 or more
  • The price that insures a teen driver can cost as much as $4,758 a year

View Chart as Image

Kia Sportage insurance cost comparison chart
Column chart showing full coverage Kia Sportage insurance rates range from $739 to $4,758

Car insurance prices for a Kia Sportage are also quite variable based on the trim level of your Sportage, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 132% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged at least $4,700 a year. View Rates by Age

The state you live in makes a big difference in Kia Sportage insurance prices. A 40-year-old driver could pay as low as $840 a year in states like Iowa, Maine, and Idaho, or as much as $1,810 on average in New York, Louisiana, and Michigan.

Kia Sportage Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,146 -$122 -9.6%
Alaska $972 -$296 -23.3%
Arizona $1,052 -$216 -17.0%
Arkansas $1,268 -$0 0.0%
California $1,442 $174 13.7%
Colorado $1,210 -$58 -4.6%
Connecticut $1,302 $34 2.7%
Delaware $1,434 $166 13.1%
Florida $1,586 $318 25.1%
Georgia $1,170 -$98 -7.7%
Hawaii $910 -$358 -28.2%
Idaho $858 -$410 -32.3%
Illinois $944 -$324 -25.6%
Indiana $954 -$314 -24.8%
Iowa $854 -$414 -32.6%
Kansas $1,204 -$64 -5.0%
Kentucky $1,728 $460 36.3%
Louisiana $1,876 $608 47.9%
Maine $780 -$488 -38.5%
Maryland $1,044 -$224 -17.7%
Massachusetts $1,014 -$254 -20.0%
Michigan $2,202 $934 73.7%
Minnesota $1,060 -$208 -16.4%
Mississippi $1,516 $248 19.6%
Missouri $1,124 -$144 -11.4%
Montana $1,360 $92 7.3%
Nebraska $1,000 -$268 -21.1%
Nevada $1,520 $252 19.9%
New Hampshire $912 -$356 -28.1%
New Jersey $1,416 $148 11.7%
New Mexico $1,122 -$146 -11.5%
New York $1,334 $66 5.2%
North Carolina $730 -$538 -42.4%
North Dakota $1,038 -$230 -18.1%
Ohio $876 -$392 -30.9%
Oklahoma $1,300 $32 2.5%
Oregon $1,162 -$106 -8.4%
Pennsylvania $1,210 -$58 -4.6%
Rhode Island $1,690 $422 33.3%
South Carolina $1,148 -$120 -9.5%
South Dakota $1,068 -$200 -15.8%
Tennessee $1,110 -$158 -12.5%
Texas $1,528 $260 20.5%
Utah $938 -$330 -26.0%
Vermont $866 -$402 -31.7%
Virginia $758 -$510 -40.2%
Washington $978 -$290 -22.9%
West Virginia $1,162 -$106 -8.4%
Wisconsin $878 -$390 -30.8%
Wyoming $1,130 -$138 -10.9%

View Chart as Image

Kia Sportage insurance rates by U.S. city

Choosing high deductibles could save up to $480 every year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know which car insurance is cheapest is to get quotes and see which company has the best price. Every company uses a different rate calculation, so rate quotes may be quite different.

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 $1,182 $99
Kia Sportage LX 2WD 4-Dr $1,182 $99
Kia Sportage EX 2WD 4-Dr $1,268 $106
Kia Sportage LX 4WD 4-Dr $1,268 $106
Kia Sportage LX $1,268 $106
Kia Sportage EX 4WD 4-Dr $1,310 $109

Rates assume 2020 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
2020 Kia Sportage $268 $452 $390 $1,268
2019 Kia Sportage $256 $448 $398 $1,260
2018 Kia Sportage $248 $436 $416 $1,258
2017 Kia Sportage $240 $418 $430 $1,246
2016 Kia Sportage $226 $404 $442 $1,230
2015 Kia Sportage $218 $374 $452 $1,202
2014 Kia Sportage $208 $352 $456 $1,174
2013 Kia Sportage $200 $316 $460 $1,134
2012 Kia Sportage $188 $292 $460 $1,098
2011 Kia Sportage $180 $272 $464 $1,074
2010 Kia Sportage $176 $254 $474 $1,062
2009 Kia Sportage $164 $236 $474 $1,032
2008 Kia Sportage $158 $214 $478 $1,008
2007 Kia Sportage $148 $196 $474 $976
2006 Kia Sportage $140 $178 $474 $950
2005 Kia Sportage $134 $160 $468 $920
2002 Kia Sportage $120 $142 $446 $866
2001 Kia Sportage $116 $134 $442 $850

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 Low Cost Kia Sportage Insurance

Getting lower rates on car insurance not only requires not taking risks behind the wheel, but also having a positive credit history, eliminating unnecessary coverage, and not having any coverage lapses. Shop around every other policy renewal by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

The following is a review of the ideas that were covered in the charts and tables above.

  • Teens have the highest car insurance prices, with premiums as much as $397 a month if full coverage is purchased
  • Higher risk drivers who have several accidents or serious violations may pay on average $1,460 more annually for Sportage insurance
  • Increasing physical damage deductibles can save approximately $475 each year
  • Drivers can save approximately $150 per year simply by quoting early and online

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 $4,758
20 $2,910
30 $1,316
40 $1,268
50 $1,158
60 $1,134

Full coverage, $500 deductibles

Rates by Deductible

Kia Sportage Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,582
$250 $1,436
$500 $1,268
$1,000 $1,104

Full coverage, driver age 40

Rates by Liability Limit

Kia Sportage Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,268
50/100 $1,388
100/300 $1,486
250/500 $1,739
100 CSL $1,427
300 CSL $1,642
500 CSL $1,798

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Sportage Insurance Rates for High Risk Drivers
Age Premium
16 $6,770
20 $4,626
30 $2,782
40 $2,730
50 $2,604
60 $2,580

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 $67
Multi-vehicle $66
Homeowner $19
5-yr Accident Free $90
5-yr Claim Free $81
Paid in Full/EFT $56
Advance Quote $61
Online Quote $89
Total Discounts $529
Rate after discounts $739

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

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