Compare Kia Sportage Insurance Quotes [Rates + Coverage Guide]

If you want to buy cheap Kia Sportage insurance coverage then you should know that a policy will cost $107 per month ($1,280 per year) on average. Finding Kia Sportage teenager insurance coverage can cost on average $4,678 a year, so shop around to find cheap rates.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 26, 2020

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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

Kia Sportage car insurance rates cost drivers an average of $1,280 a year, which is equal to a $107 monthly insurance bill. Some of the determining factors that influence Kia Sportage rates include driver and vehicle age, along with the model’s safety features. Read through this helpful article to figure out how Kia Sportage insurance rates are calculated so you can compare quotes like an expert.

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 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 Lexus RX 450h, Mazda CX-5, and Hyundai Tucson.

Vehicle Comprehensive Collision Liability Total
Kia Sportage $280 $470 $372 $1,280
Lexus RX 450h $390 $718 $420 $1,708
Mazda CX-5 $322 $532 $372 $1,384
Hyundai Tucson $294 $470 $372 $1,294
Toyota RAV4 $280 $482 $390 $1,310
Chevrolet Trax $280 $470 $372 $1,280
Lexus NX 300 $376 $688 $372 $1,594
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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

The average Kia Sportage auto insurance rates are higher for newer models. 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
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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 Jacksonville may pay $768 a year more than drivers in Indianapolis.

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 the highest jump in their Kia Sportage auto insurance rates with violations on their driving record.

Kia Sportage Safety Ratings

Your Kia Sportage car insurance rates are tied to the safety ratings of the Kia Sportage. 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
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Kia Sportage Crash Test Ratings

Good Kia Sportage crash test ratings mean the VW is safer, which could mean cheaper 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
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Kia Sportage Safety Features

The more safety features you have on your Kia Sportage, the more likely it is that you can earn a discount. 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

Insurance loss probability on the Kia Sportage fluctuates between each type of coverage. The lower percentage means lower Kia Sportage car insurance rates; higher percentages mean higher Kia Sportage auto 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
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Kia Sportage Finance and Insurance Cost

If you are financing a Kia Sportage, most lenders will require your carry higher Kia Sportage coverages including comprehensive coverage, so be sure to 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

Save more on your Kia Sportage car insurance rates. Take a look at the following five strategies that will get you the best Kia Sportage auto insurance rates possible.

  • Ask About Kia Sportage Safety Discounts
  • Take Advantage of Referral Fees
  • Ask About Kia Sportage Low Mileage Discounts
  • Check the Odometer on Your Kia Sportage
  • Remove Young Drivers from Your Kia Sportage Insurance When They Move Out or Go to School

Top Kia Sportage Insurance Companies

The best auto insurance companies for Kia Sportage car insurance rates will offer competitive rates, discounts, and account for the Kia Sportage’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

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
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Compare Free Kia Sportage Insurance Quotes Online

You can start comparing quotes for Kia Sportage auto insurance rates from some of the best auto insurance companies by using our free online tool now.

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Average Monthly Car Insurance Rates by State