Buy Cheap Kia Sportage Auto Insurance in 2024
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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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
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UPDATED: Jul 15, 2021
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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 insurance rates average $1,280 a year or $107 a month for full coverage. Good drivers can save up to $528 a year by practicing safe driving habits. Let’s 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 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 Toyota RAV4, Honda HR-V, and Nissan Murano.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Kia Sportage | $280 | $470 | $372 | $1,280 |
| Toyota RAV4 | $280 | $482 | $390 | $1,310 |
| Honda HR-V | $294 | $532 | $372 | $1,356 |
| Nissan Murano | $294 | $512 | $390 | $1,354 |
| Audi SQ5 | $394 | $774 | $264 | $1,542 |
| Lincoln MKC | $306 | $596 | $398 | $1,458 |
| Infiniti QX30 | $344 | $686 | $398 | $1,586 |
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, car 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. 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 Phoenix may pay $704 a year less than drivers in Los Angeles.
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
Your Kia Sportage car insurance rates are influenced by 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 | |
Kia Sportage Crash Test Ratings
Good Kia Sportage crash test ratings can lower your Kia Sportage auto insurance rates. 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 safety features of the Kia Sportage can impact your Kia Sportage car insurance rates. The 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
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 | |
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 auto insurance quotes from the best auto insurance companies using our FREE tool below.
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Ways to Save on Kia Sportage Insurance
Although it may seem like your Kia Sportage car insurance rates are set, there are a few measures that you can take to secure the best Kia Sportage car insurance rates possible. Take a look at the following five ways to save on Kia Sportage auto insurance.
- Get Cheaper Kia Sportage Car Insurance Rates as a Full-Time Parent
- Don’t Skimp On Kia Sportage Liability Coverage
- Get a Plan with Only Liability Coverage If You’re Driving an Older Kia Sportage
- Use Paperless Billing for Your Kia Sportage Insurance Policy
- Purchase a Roadside Assistance Program for Your Kia Sportage
Top Kia Sportage Insurance Companies
Several top car insurance companies offer competitive rates for the Kia Sportage rates based on factors like discounts for safety features. Take a look at this list of top car insurance companies that are popular with Kia Sportage drivers organized by 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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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.