Kia Sportage Auto Insurance (2024)
Kia Sportage insurance rates cost $107 per month ($1,280 per year) on average. Mature drivers with good driving records may find rates as low as $752 a year.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 22, 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 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: Jun 22, 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 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.
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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 $239 cheaper than the average vehicle. Good drivers can save up to $528 per year through policy discounts. High-risk drivers, however, could pay up to $390 per month. Continue reading to learn how you can save money on Kia Sportage insurance rates.
You can start comparing quotes for Kia Sportage insurance rates from some of the best auto insurance companies by using our free online tool now.
Kia Sportage Insurance Cost
The average Kia Sportage auto 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 RAV4, Kia Niro, and Lincoln MKT.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Kia Sportage | $280 | $470 | $372 | $1,280 |
| Toyota RAV4 | $280 | $482 | $390 | $1,310 |
| Kia Niro | $282 | $478 | $398 | $1,316 |
| Lincoln MKT | $370 | $626 | $450 | $1,626 |
| Chevrolet Equinox | $308 | $532 | $372 | $1,370 |
| FIAT 500X | $256 | $506 | $450 | $1,392 |
| Nissan Rogue | $268 | $512 | $440 | $1,400 |
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 auto 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 impact on Kia Sportage auto insurance rates. As an example, a 40-year-old driver could pay $135 less each month for their Kia Sportage auto insurance compared to a 20-year-old driver.
Driver Location
Where you live can have a large impact on Kia Sportage insurance rates. For example, drivers in New York may pay $780 a year more than drivers in Seattle.
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
The Kia Sportage’s safety ratings will affect your Kia Sportage auto 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
If the Kia Sportage crash test ratings are good, you could have lower Kia Sportage 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
Having a variety of safety features on your Kia Sportage can help lower your Kia Sportage insurance costs. 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
Review the Kia Sportage auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury. The lower percentage means lower Kia Sportage auto insurance costs; higher percentages mean higher Kia Sportage auto insurance costs.
| 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, you will pay more if you purchase Kia Sportage auto insurance at the dealership, so be sure to shop around and compare Kia Sportage auto 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 insurance rates. Take a look at the following five tips:
- Consider Kia Sportage Insurance Costs Before Buying a Kia Sportage
- Drive Your Kia Sportage Safely
- Save Money on Young Driver Kia Sportage Insurance By Mentioning Grades or GPA
- Park Your Kia Sportage Somewhere Safe – like a Garage or Private Driveway
- Improve Your Credit Score
Top Kia Sportage Insurance Companies
Several top auto 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 auto 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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Frequently Asked Questions
What is Kia Sportage auto insurance?
Kia Sportage auto insurance refers to the insurance coverage specifically designed for the Kia Sportage SUV model. It provides financial protection in case of accidents, damages, theft, or other incidents involving the Kia Sportage.
Is auto insurance mandatory for a Kia Sportage?
Yes, auto insurance is mandatory for all vehicles, including the Kia Sportage. The specific insurance requirements may vary depending on your location and local regulations. It’s important to comply with the legal requirements and have the necessary insurance coverage for your Kia Sportage.
What types of coverage are available for Kia Sportage auto insurance?
Kia Sportage auto insurance typically offers a range of coverage options. These may include liability coverage (which is often required by law), collision coverage (for damages caused by collisions), comprehensive coverage (for non-collision-related damages like theft or vandalism), uninsured/underinsured motorist coverage, and personal injury protection (PIP) coverage.
How can I find affordable auto insurance for my Kia Sportage?
To find affordable auto insurance for your Kia Sportage, it’s recommended to shop around and obtain quotes from multiple insurance providers. Factors such as your driving record, age, location, and the coverage options you choose can affect the cost of insurance. Comparing quotes, considering available discounts, and maintaining a good driving record can help you find more affordable rates.
Are there any discounts available specifically for Kia Sportage auto insurance?
While specific discounts can vary among insurance providers, many companies offer discounts that may apply to Kia Sportage auto insurance. These could include discounts for safety features installed in the Kia Sportage, good driver discounts, multi-policy discounts (if you bundle your auto insurance with other policies), or loyalty discounts. It’s recommended to inquire about available discounts when obtaining insurance quotes.
Does the size or model year of the Kia Sportage affect insurance rates?
The size and model year of the Kia Sportage can potentially have an impact on insurance rates. Generally, larger vehicles like SUVs may have higher insurance premiums due to factors such as potential repair costs and increased damage to other vehicles in an accident. Newer model years may also have higher insurance premiums due to the cost of replacement parts. However, the specific details can vary, so it’s best to consult with insurance providers to understand how these factors can impact your rates.
Can I use my Kia Sportage auto insurance for off-road use?
Most standard auto insurance policies are designed to cover the vehicle’s use on public roads. Off-road use of your Kia Sportage, such as driving on trails or in rugged terrains, may not be covered under a standard auto insurance policy. It’s important to review your policy or contact your insurance provider to understand the limitations and exclusions regarding off-road use. If you frequently engage in off-road activities, you may need to consider specialized insurance options.
What should I do if I need to file an auto insurance claim for my Kia Sportage?
If you need to file an auto insurance claim for your Kia Sportage, you should contact your insurance provider as soon as possible. They will guide you through the claims process and provide instructions on what information or documentation is required. Be prepared to provide details about the incident, such as the date, time, location, and any necessary supporting evidence, such as photographs or witness statements.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto 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.