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Kia Sportage Insurance [Guide + Free Quotes]

Insurance rates for a Kia Sportage average $1,280 a year, or around $107 a month. Comprehensive, collision, and liability insurance cost around $312, $455, and $361, respectively. Good drivers can save up to $528 a year on these prices by earning discounts.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jul 18, 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

Are Kias expensive to insure? Kia Sportage insurance rates are about $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 teen drivers who pay around $4,678 a year or $390 a month.

Good drivers can save up to $528 a year by staying safe and claim-free. 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 auto 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 Lincoln MKT, Nissan Rogue, and MINI Clubman.

Vehicle Comprehensive Collision Liability Total
Kia Sportage $280 $470 $372 $1,280
Lincoln MKT $370 $626 $450 $1,626
Nissan Rogue $268 $512 $440 $1,400
MINI Clubman $320 $506 $398 $1,382
Lincoln MKC $306 $596 $398 $1,458
Mazda CX-3 $308 $500 $372 $1,338
Buick Envision $320 $566 $398 $1,442

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 rates for a 2020 Kia Sportage are $1,280, while 2010 Kia Sportage rates 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 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 auto insurance. Teens and drivers in their 20’s see sees the highest jump in their Kia Sportage car insurance with violations on their driving record.

Kia Sportage Safety Ratings

Your Kia Sportage auto insurance rates are influenced by the Kia Sportage’s safety ratings. 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

Poor Kia Sportage crash test ratings could mean higher 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

Kia Sportage Safety Features

What insurance group is the Kia Sportage? Most drivers don’t realize that not only do Kia Sportage safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Kia Sportage auto insurance rates. 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

The Kia Sportage’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Kia Sportage, others are more favorable and lead to lower 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 car insurance quotes from the best companies using our FREE tool below.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Ways to Save on Kia Sportage Insurance

There are several ways you can save even more on your Kia Sportage car insurance rates. Take a look at the following five tips:

  • Don’t Skimp On Kia Sportage Liability Coverage
  • Buy Your Kia Sportage with Cash, or Get a Shorter-Term Loan
  • Consider Renting a Car Instead of Buying a Second Kia Sportage
  • Check for Organization-Based Discounts, like Alumni or Employer Discounts
  • Remove Young Drivers from Your Kia Sportage Insurance When They Move Out or Go to School

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.

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

Compare Free Kia Sportage Insurance Quotes Online

To start comparing Kia Sportage car insurance quotes for free, use our online car insurance comparison tool.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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