Affordable Kia Sportage Auto Insurance Quotes (2024)
Kia Sportage auto insurance rates average at $107 a month for full coverage. These rates vary based on the amount of Kia Sportage insurance coverage you need, and your driving record will also impact your Kia Sportage insurance costs. Start comparing Kia Sportage insurance quotes now with our free tool in order to find the best rates.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jul 26, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto 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 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 26, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto 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 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.
On This Page
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
Kia Sportage insurance rates are around $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 teens who will pay about $4,678 a year or $390 a month.
Good drivers can save up to $528 a year by practicing safe driving habits. 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 car insurance costs 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 Toyota C-HR, MINI Clubman, and Mazda CX-3.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Kia Sportage | $280 | $470 | $372 | $1,280 |
| Toyota C-HR | $254 | $452 | $258 | $1,074 |
| MINI Clubman | $320 | $506 | $398 | $1,382 |
| Mazda CX-3 | $308 | $500 | $372 | $1,338 |
| Ford Escape | $280 | $438 | $316 | $1,170 |
| Infiniti QX30 | $344 | $686 | $398 | $1,586 |
| Cadillac XT4 | $362 | $656 | $316 | $1,470 |
However, there are a few things you can do to find the cheapest Kia insurance rates online.
Read more: Affordable Cadillac Auto Insurance Quotes
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 for a 2020 Kia Sportage costs $1,280, while 2010 Kia Sportage insurance costs 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. As an example, a 30-year-old driver pays around $56 more each year for their Kia Sportage car insurance than a 40-year-old driver.
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 car insurance. Teens and drivers in their 20’s see the highest jump in their Kia Sportage car insurance rates with violations on their driving record.
Kia Sportage Safety Ratings
The Kia Sportage’s safety ratings will affect your Kia Sportage car insurance rates. See the chart 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
Kia Sportage crash test ratings can impact the cost of your Kia Sportage car insurance. See Kia Sportage crash test results below:
| 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
The Kia Sportage safety features can help lower insurance costs. According to AutoBlog, the 2020 Kia Sportage has the following safety features:
- 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 probability varies for each form of coverage. The lower percentage means lower Kia Sportage auto insurance rates; higher percentages mean higher Kia Sportage car 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
When 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 rates from the best companies using our FREE tool below.
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Ways to Save on Kia Sportage Insurance
Drivers can end up saving more money on their Kia Sportage car insurance rates by employing any one of the following strategies.
- Save Money on Young Driver Kia Sportage Insurance By Mentioning Grades or GPA
- Remove Young Drivers from Your Kia Sportage Insurance When They Move Out or Go to School
- Buy An Older Kia Sportage
- Get Married and Ask for a Discount
- Apply for Your Full, Unrestricted License as Soon as You’re Eligible
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
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.
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Frequently Asked Questions
What factors contribute to affordable auto insurance for the Kia Sportage?
Several factors can help make your Kia Sportage auto insurance more affordable. These include your driving record, the age and model of your vehicle, the level of coverage you choose, your location, and any applicable discounts.
How can I improve my driving record to get more affordable insurance?
Maintaining a clean driving record, free of accidents and traffic violations, can positively impact your insurance premiums. Avoiding speeding tickets, DUIs, and other infractions can demonstrate responsible driving behavior and make you eligible for lower insurance rates.
Does the age and model of my Kia Sportage affect insurance costs?
Yes, the age and model of your Kia Sportage can influence insurance costs. Newer and more expensive models typically have higher insurance rates due to their increased value. However, safety features and anti-theft devices on newer models might lead to potential discounts, balancing out the higher initial cost.
What level of coverage should I choose for my Kia Sportage?
The level of coverage you choose depends on your individual needs and budget. The minimum requirement is usually liability insurance, which covers damages to other vehicles or property in case of an accident. However, comprehensive and collision coverage can provide additional protection for your Kia Sportage, but they come at a higher cost.
Can my location affect the affordability of Kia Sportage auto insurance?
Yes, your location can impact insurance costs. Urban areas with higher traffic congestion and crime rates might result in higher premiums compared to rural or suburban areas. Additionally, areas prone to severe weather conditions or a high incidence of accidents can also affect insurance rates.
Compare over 200 auto insurance companies at once!
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.