How to Find Cheap Kia Sportage Insurance Quotes

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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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 27, 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 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
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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
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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
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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
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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
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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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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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