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Key takeaways:
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.
Table of Contents
The average Kia Sportage auto insurance costs are $1,280 a year or $107 a month.
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.
The Kia Sportage trim and model you choose can impact the total price you will pay for Kia Sportage auto insurance coverage.
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 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.
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 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.
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 | |
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 | ||||
|---|---|---|---|---|
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:
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 | |
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.
There are several ways you can save even more on your Kia Sportage insurance rates. Take a look at the following five tips:
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 | |||
Save on your Kia Sportage insurance rates by taking advantage of our FREE comparison tool.
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