Kia Sportage Auto Insurance [Rates + Comparison Guide]

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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Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for 4autoinsurancequote.com for over a year and enjoys creating content that offers expert advice on car insurance topics.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSRhttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/4autoins-live/6ea5d860-leslie-kasperowicz.jpg

UPDATED: Aug 7, 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 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.

VehicleComprehensiveCollisionLiabilityTotal
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.

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 YearComprehensiveCollisionLiabilityTotal
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 TypeRating
Small overlap front: driver-sideGood
Small overlap front: passenger-sideGood
Moderate overlap frontGood
SideGood
Roof strengthGood
Head restraints and seatsGood
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 TestedOverallFrontalSideRollover
2020 Kia Sportage SUV FWD5 stars4 stars5 stars4 stars
2020 Kia Sportage SUV AWD5 stars4 stars5 stars4 stars
2019 Kia Sportage SUV FWD5 stars4 stars5 stars4 stars
2019 Kia Sportage SUV AWD5 stars4 stars5 stars4 stars
2018 Kia Sportage SUV FWD5 stars4 stars5 stars4 stars
2018 Kia Sportage SUV AWD5 stars4 stars5 stars4 stars
2017 Kia Sportage SUV FWD5 stars4 stars5 stars4 stars
2017 Kia Sportage SUV AWD5 stars4 stars5 stars4 stars
2016 Kia Sportage SUV FWD4 stars5 stars5 stars4 stars
2016 Kia Sportage SUV AWD5 stars5 stars5 stars4 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 CategoryLoss Rate
Collision-18%
Property Damage0%
Comprehensive-34%
Personal Injury13%
Medical Payment27%
Bodily Injury9%
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.

RankCompanyVolumeMarket Share
1State Farm$65,615,1909.3%
2GEICO$46,106,9716.6%
3Progressive$39,222,8795.6%
4Liberty Mutual$35,600,0515.1%
5Allstate$35,025,9035.0%
6Travelers$28,016,9664.0%
7USAA$23,483,0803.3%
8Chubb$23,388,3853.3%
9Farmers$20,643,5592.9%
10Nationwide$18,442,1452.6%
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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