Best Kia Sportage Car Insurance Quotes (2024)
Insurance rates for a Kia Sportage average $1,280 a year, or around $107 a month. Comprehensive, collision, and liability insurance cost around $312, $455, and $361, respectively. Good drivers can save up to $528 a year on these prices by earning discounts.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Key takeaways:
- Full coverage costs around $1,280 a year or $107 each month
- A liability-only policy costs around $513 a year or $43 each month
- Highest rates are for teenage drivers at around $4,678 a year or $390 each month
- Good drivers can save as much as $528 a year by earning policy discounts
- Kia Sportage insurance costs around $239 less per year than the average vehicle
Are Kias expensive to insure? Kia Sportage insurance rates are about $239 less per year than the average vehicle with full coverage costing around $1,280 a year or $107 a month. The highest rates are for teen drivers who pay around $4,678 a year or $390 a month.
Good drivers can save up to $528 a year by staying safe and claim-free. We’re going to take a closer look at Kia Sportage insurance rates, crash test ratings, and more.
You can start comparing quotes for Kia Sportage car insurance rates from some of the best car insurance companies by using our free online tool now.
Kia Sportage Insurance Cost
The average Kia Sportage auto insurance rates are $1,280 a year or $107 a month.
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Are Kia Sportages Expensive to Insure?
The chart below details how Kia Sportage insurance rates compare to other crossovers like the Lincoln MKT, Nissan Rogue, and MINI Clubman.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Kia Sportage | $280 | $470 | $372 | $1,280 |
| Lincoln MKT | $370 | $626 | $450 | $1,626 |
| Nissan Rogue | $268 | $512 | $440 | $1,400 |
| MINI Clubman | $320 | $506 | $398 | $1,382 |
| Lincoln MKC | $306 | $596 | $398 | $1,458 |
| Mazda CX-3 | $308 | $500 | $372 | $1,338 |
| Buick Envision | $320 | $566 | $398 | $1,442 |
However, there are a few things you can do to find the cheapest Kia insurance rates online.
What Impacts the Cost of Kia Sportage Insurance?
The Kia Sportage trim and model you choose can impact the total price you will pay for Kia Sportage insurance coverage.
Age of the Vehicle
Older Kia Sportage models generally cost less to insure. For example, auto insurance rates for a 2020 Kia Sportage are $1,280, while 2010 Kia Sportage rates are $1,074, a difference of $206.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Kia Sportage | $280 | $470 | $372 | $1,280 |
| 2019 Kia Sportage | $268 | $452 | $390 | $1,268 |
| 2018 Kia Sportage | $256 | $448 | $398 | $1,260 |
| 2017 Kia Sportage | $248 | $436 | $416 | $1,258 |
| 2016 Kia Sportage | $240 | $418 | $430 | $1,246 |
| 2015 Kia Sportage | $226 | $404 | $442 | $1,230 |
| 2014 Kia Sportage | $218 | $374 | $452 | $1,202 |
| 2013 Kia Sportage | $208 | $352 | $456 | $1,174 |
| 2012 Kia Sportage | $200 | $316 | $460 | $1,134 |
| 2011 Kia Sportage | $188 | $292 | $460 | $1,098 |
| 2010 Kia Sportage | $180 | $272 | $464 | $1,074 |
Driver Age
Driver age can have a significant effect on Kia Sportage car insurance rates. For example, 20-year-old drivers pay $1,566 more for their Kia Sportage car insurance each year than 30-year-old drivers.
Driver Location
Where you live can have a large impact on Kia Sportage insurance rates. For example, drivers in Los Angeles may pay $183 a year more than drivers in Houston.
Your Driving Record
Your driving record can have an impact on the cost of Kia Sportage auto insurance. Teens and drivers in their 20’s see sees the highest jump in their Kia Sportage car insurance with violations on their driving record.
Kia Sportage Safety Ratings
Your Kia Sportage auto insurance rates are influenced by the Kia Sportage’s safety ratings. See the breakdown below:
| Test Type | Rating |
| 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 |
| Source: Insurance Institute for Highway Safety | |
Kia Sportage Crash Test Ratings
Poor Kia Sportage crash test ratings could mean higher Kia Sportage car insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 Kia Sportage SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Kia Sportage SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Kia Sportage SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Kia Sportage SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Kia Sportage SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Kia Sportage SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Kia Sportage SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Kia Sportage SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Kia Sportage SUV FWD | 4 stars | 5 stars | 5 stars | 4 stars |
| 2016 Kia Sportage SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Kia Sportage Safety Features
What insurance group is the Kia Sportage? Most drivers don’t realize that not only do Kia Sportage safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Kia Sportage auto insurance rates. The Kia Sportage’s safety features include:
- 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
Kia Sportage Insurance Loss Probability
The Kia Sportage’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Kia Sportage, others are more favorable and lead to lower insurance rates.
| Insurance Coverage Category | Loss Rate |
| Collision | -18% |
|---|---|
| Property Damage | 0% |
| Comprehensive | -34% |
| Personal Injury | 13% |
| Medical Payment | 27% |
| Bodily Injury | 9% |
| Source: Insurance Institute for Highway Safety | |
Kia Sportage Finance and Insurance Cost
If you are financing a Kia Sportage, most lenders will require your carry higher Kia Sportage coverage options including comprehensive coverage, so be sure to shop around and compare Kia Sportage car insurance quotes from the best companies using our FREE tool below.
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Ways to Save on Kia Sportage Insurance
There are several ways you can save even more on your Kia Sportage car insurance rates. Take a look at the following five tips:
- Don’t Skimp On Kia Sportage Liability Coverage
- Buy Your Kia Sportage with Cash, or Get a Shorter-Term Loan
- Consider Renting a Car Instead of Buying a Second Kia Sportage
- Check for Organization-Based Discounts, like Alumni or Employer Discounts
- Remove Young Drivers from Your Kia Sportage Insurance When They Move Out or Go to School
Top Kia Sportage Insurance Companies
Who is the top auto insurance company for Kia Sportage insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Kia Sportage auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Kia Sportage offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | GEICO | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
Compare Free Kia Sportage Insurance Quotes Online
To start comparing Kia Sportage car insurance quotes for free, use our online car insurance comparison tool.
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Frequently Asked Questions
How much does it cost to insure a Kia Sportage?
On average, Kia Sportage car insurance rates are around $1,280 per year or $107 per month. The cost can vary depending on factors such as your driving history, location, and the level of coverage you choose. Comprehensive coverage typically costs around $312, collision coverage around $455, and liability coverage around $361.
Are Kia Sportages expensive to insure?
No, Kia Sportage insurance rates are actually lower than the average vehicle. The average savings for Kia Sportage owners with full coverage is around $239 per year. However, insurance rates for teen drivers can be higher, averaging around $4,678 per year.
What factors impact the cost of Kia Sportage insurance?
The cost of Kia Sportage insurance is influenced by several factors, including the age of the vehicle, driver age, location, driving record, and the specific trim and model of the Kia Sportage.
What are some ways to save on Kia Sportage insurance?
To potentially save on Kia Sportage insurance rates, you can consider maintaining a clean driving record, bundling your insurance policies, increasing deductibles, and taking advantage of available discounts. Good drivers can save up to $528 per year by earning discounts.
Which insurance companies offer coverage for the Kia Sportage?
Some of the top auto insurance companies that offer coverage for the Kia Sportage include those with competitive rates and discounts for safety features. It’s recommended to compare quotes from multiple insurers to find the best coverage and rates for your Kia Sportage.
How can I compare Kia Sportage insurance quotes online?
You can compare Kia Sportage insurance quotes online by using a free online car insurance comparison tool. Simply enter your information and ZIP code to receive quotes from different insurance providers, allowing you to compare coverage options and find the most affordable rate for your Kia Sportage.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.