Kia Sportage Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs less to insure a Kia Sportage than the average SUV.

• Full coverage car insurance for a Sportage averages about $144 a month, on average, while liability only insurance generally tends to be around $75 monthly.

• NationalGeneral is the cheapest auto insurance company for a Sportage with a national average of just $35 per month for liability only coverage.

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Sportage Overview

The Kia Sportage is a great budget-friendly option for any driver, with 2022 models starting at $24,090. The Sportage is not just on the affordable end of the spectrum when it comes to overall price point, it's also a wise budget option when thinking about your insurance rates.

We combed through thousands of car insurance quotes on Compare.com, and we've determined that, on average, Kia Sportage auto insurance prices run about $148 a month. But how does that compare to other SUVs on the market?

How Much is Car Insurance for a Kia Sportage?

Based on the table above, compared to other vehicles, Kia Sportage insurance premiums are less expensive than average. Sportage owners can expect to pay around $75 monthly for liability insurance, and about $144 per month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on the difference between these types of insurance).

When you compare it to other Kia models, the Sportage is cheaper, with rates around 15% lower than the rest of the manufacturer's vehicle lineup. Similarly, coverage for the Sportage is below average when compared to other vehicles of a similar body style, with both liability only and full coverage insurance averaging less expensive premiums than other SUVs.

Overall, they're just more affordable to insure than the average vehicle, regardless of model, make, or body style.

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Who has the Cheapest Car Insurance for a Kia Sportage?

If you're in the market for a new auto insurance policy for your Kia Sportage, you may be most interested in which carrier offers the lowest rates. While costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $29 per month from MetroMile. The next lowest company is NationalGeneral, who offers insurance as cheap as just $35 monthly.

American Family, Safeco, and CSAA finish off the rest of the top 5. But just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

After all, your results might be different, since auto insurance carriers look at a multitude of different things when calculating rates. The only way to guarantee you'll find the most affordable rates is to compare quotes from numerous car insurance companies.

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What Factors Affect Car Insurance Rates for a Kia Sportage?

As we mentioned above, there are a wide array of factors that insurance carriers reference to decide how much they charge for car insurance -- and each carrier weighs different variables more heavily than others, so there's not a single company that's the cheapest for every driver.

The sections below show a lot of variables auto insurance companies use to calculate rates:

Vehicle Age

The Kia Sportage has been around for a while, so vehicle age will likely play a big role in what you end up paying for insurance. Generally, it costs more to insure newer cars because they're worth more, however, as time goes on and Sportages begin to depreciate, insurance costs will gradually go down.

Based on the information in the above table, the Kia Sportage is inline with this trend, as the most expensive models to insure are those that are 11 to 14 years old, while the cheapest models are Sportages that are 15 years old or more, on average.

Your Age

How old you are makes a significant difference in how much you pay for car insurance. Based on the information above, drivers under 18 pay more for auto insurance than older drivers. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Car insurance prices continue to decrease as you get older, with the cheapest age group for Sportage drivers being 55-64.

Your Gender

Men usually pay more for insurance than women. This is because women are less likely to get into accidents and get speeding tickets, which decreases the chances of an insurance claim. When it comes to Sportage drivers specifically, men pay about $3 more than women a month for car insurance.

Where You Live

It may seem like common sense that things such as what vehicle you drive and how old you are play a role in your insurance prices, but you may not realize that where you live is just as important. Because auto insurance is regulated on a state-by-state basis, rates can change quite a bit from state to state.

For example, the average Kia Sportage driver in New York pays around $165 per month for liability coverage. Meanwhile, the same owner from California will pay less than half of that price, on average. The table referenced above shows average premiums for the top 10 most populous states, just to give you a good idea of how much prices can change from state to state.

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Kia Sportage Car Insurance Discounts

No matter your car, your age, or your home state, it's always in your best interest to take advantage of as many car insurance discounts as possible.

Not every auto insurance carrier will offer the same discounts, but there are a few that are relatively common. These include things like:

• Multi-car discounts for insuring more than one of your vehicles with the same company
• Pay-in-full discounts for drivers who choose to pay their entire policy premium at once, rather than by monthly payments
• Defensive driving discounts for taking a defensive driving class through a certified school or institution
• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like air bags or anti-lock brakes)

There are all sorts of other discounts out there for saving money on your insurance. Often, it's actually having a favorable driving record and insurance history that get you the lowest rates.

Although you may not be able to control every factor car insurance carriers take a look at to calculate premiums (like some of the ones mentioned above), there are quite a few that you do have control over. Below are just a few of the factors you can use to your advantage when it comes to cost savings:

Your Driving Record

You've most likely seen ads from auto insurance companies offering big discounts for safe drivers. And you're probably not surprised to hear that if you get into an accident or get a speeding ticket, insurance rates will go up. But exactly how much will these infractions cost you?

You can tell from the table above that accidents will usually cost Sportage drivers more than tickets, but both will result in higher than normal rates. Kia Sportage drivers with a single accident on their record pay about $95 every month (up $20 from the $75/mo. overall average), while drivers with one ticket will pay an average of $91 a month. Those who have multiple violations of either kind will end up paying even more.

How Much You Drive

Another variable that affects your auto insurance prices is how much you drive. Those who drive less often are less likely to get speeding tickets, so they'll typically be offered lower premiums. Based on the table above, you can see that Kia Sportage owners who drive 10,000 miles or more pay $76 for insurance, while those who drive fewer than 2,500 miles each year pay an average of $71 monthly.

If you drive less often than the average driver or work from home, it may be worth learning about usage-based or pay-per-mile car insurance. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Kia Sportages Compare to Other Vehicles?

If you're thinking about making a Kia Sportage your next SUV, it might be helpful to do your research. Auto insurance is just one cost that's associated with buying a new car, but it's definitely one that's worth taking into consideration.

Visit the table below to see how the Kia Sportage stacks up:

With an MSRP that's a third less than the going rate for a new vehicle, the Kia Sportage is a fantastic value for any budget. The Sportage has a base price of $24,090, which is much cheaper than the national average vehicle MSRP of $42,283.

Unlike the Sportage's lower price, auto insurance rates are slightly higher when compared to the rest of the vehicle market. Liability insurance for a Kia Sportage is about $6 per month more than average, while full coverage is $1 more per month.

When it comes to usage, Kia Sportage drivers are far from the national average in annual miles driven, with 13,076 miles a year compared to 11,660 for all vehicles.

Kia Sportage Car Insurance Costs by Model Year

So far, you've seen how different variables affect a driver's car insurance prices. But if you're considering buying a new Sportage, having a good idea of how much you'll likely pay can be extremely valuable as you weigh your choices.

That's why we've crunched the numbers and broken down Kia Sportage insurance rates by model year. Choose a model year from the dropdown below to see average rates for both full coverage and liability only options. We've included some additional information you might find helpful, too, such as base price, available trims, and even the cheapest insurance carrier for each year the Sportage has been around.

Choose Your Model

2022 Kia Sportage Car Insurance 2021 Kia Sportage Car Insurance 2020 Kia Sportage Car Insurance 2019 Kia Sportage Car Insurance 2018 Kia Sportage Car Insurance 2017 Kia Sportage Car Insurance 2016 Kia Sportage Car Insurance 2015 Kia Sportage Car Insurance 2014 Kia Sportage Car Insurance 2013 Kia Sportage Car Insurance 2012 Kia Sportage Car Insurance 2011 Kia Sportage Car Insurance 2010 Kia Sportage Car Insurance

2022 Kia Sportage Car Insurance

The average cost to insure a 2022 Kia Sportage with liability only coverage is $87 a month, while full coverage runs around $170 monthly.

With premiums sometimes as low as $37 a month, Amica offered the lowest policy we found.

Want to find the best rates? Just enter your ZIP code below to get multiple free personalized quotes.

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2021 Kia Sportage Car Insurance

2021 Sportage drivers can expect to pay an average of $46 monthly for liability or $139 for full coverage.

We found Mercury offered the most affordable policy, with rates as cheap as $25 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2020 Kia Sportage Car Insurance

On average, drivers who own a 2020 Kia Sportage can expect to pay $89 to $167 a month for liability only and full coverage auto insurance, respectively.

With prices sometimes as cheap as $26 per month, DirectGeneral offered the cheapest policy we found for the 2020 Kia Sportage.

If you want to know just how much your rate will be, just enter your ZIP code below and get several free quotes in minutes.

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2019 Kia Sportage Car Insurance

You can expect full coverage for a 2019 Sportage to run about $145 monthly, while liability only coverage will average around $67 a month.

DirectGeneral offered the most affordable policy we found, with rates as little as $19 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2018 Kia Sportage Car Insurance

It costs about $76 monthly for liability or $154 for a full coverage policy for the 2018 Kia Sportage.

Looking for the lowest policy? Safeco offered liability only coverage for as little as just $18 per month.

Want to know exactly what your car insurance price will be? Enter your ZIP code below to get several free customized quotes.

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2017 Kia Sportage Car Insurance

The average cost to insure a 2017 Sportage with liability only coverage is $98 a month, while full coverage runs around $165 monthly.

Hugo has premiums as low as $19 per month for the 2017 Kia Sportage.

If you want to know exactly how much you can expect to pay for your Sportage, just enter your ZIP code below and get several free quotes in minutes.

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2016 Kia Sportage Car Insurance

You can expect full coverage for a 2016 Kia Sportage to run about $146 a month, while liability only coverage will average around $84 monthly.

If you're looking for the cheapest possible 2016 Kia Sportage insurance policy, StateAuto offered the cheapest policy we found, with rates sometimes as little as $18 a month.

Interested in what your insurance premium will be? Get lots of personalized quotes for free by just entering your ZIP code below.

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2015 Kia Sportage Car Insurance

On average, drivers who own a 2015 Sportage can expect to pay $71 to $142 per month for liability only and full coverage car insurance, respectively.

Looking for the lowest policy? MetroMile offered liability only coverage for as low as just $23 monthly.

If you want to know exactly how much you can expect to pay for your Sportage, just enter your ZIP code below and get free quotes in minutes.

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2014 Kia Sportage Car Insurance

It costs about $70 per month for liability or $129 for a full coverage policy for the 2014 Kia Sportage.

Dairyland has rates sometimes as cheap as $22 a month for the 2014 Kia Sportage.

If you want to know exactly how much you can expect to pay for your Sportage, get free quotes in minutes by just entering your ZIP code below.

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2013 Kia Sportage Car Insurance

2013 Sportage drivers can expect to pay an average of $70 monthly for liability or $133 for full coverage.

With prices as little as just $17 per month, StateAuto offered the most affordable policy we found.

Interested in exactly how much you'll pay? Get a variety of customized quotes for free by just entering your ZIP code below.

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2012 Kia Sportage Car Insurance

It costs around $69 a month for liability or $134 for a full coverage policy for the 2012 Kia Sportage.

Elephant offered the cheapest policy we found, with rates sometimes as little as $21 monthly.

If you're looking for a more exact figure on what you should pay for auto insurance for a 2012 Kia Sportage, you can get free quotes in minutes by just entering your ZIP code below.

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2011 Kia Sportage Car Insurance

The average cost to insure a 2011 Sportage with liability only coverage is $73 per month, while full coverage runs about $137 monthly.

We found MetLife offered the lowest policy, with rates sometimes as low as $17 a month.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2010 Kia Sportage Car Insurance

You can expect full coverage for a 2010 Kia Sportage to run around $132 per month, while liability only coverage will average about $82 a month.

If you're looking for the lowest possible 2010 Kia Sportage insurance policy, Clearcover offered the most affordable policy we found, with rates as little as $23 monthly.

Interested in just how much you'll pay? Just enter your ZIP code below to get several free customized quotes.

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Kia Sportage Insurance FAQs

Is a Kia Sportage expensive to insure?

When compared to the national average of all vehicles, premiums come in on the more affordable end of the spectrum. Liability insurance runs an average of $75 per month, while full coverage will cost you around $144.

How can I get the best price on car insurance for my Kia Sportage?

The only way to guarantee you're getting the lowest price on insurance is to check prices regularly and compare quotes from multiple carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a multitude of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Kia Sportage affect my insurance prices?

You've probably heard the old adage that it costs more to insure a red car, but that's actually not the case. Even though there are many factors car insurance carriers examine when they calculate how much you'll pay, your vehicle's color is not used to make that determination.

Do I need to have insurance before I buy a Kia Sportage?

You'll need to have a valid auto insurance policy before you can legally drive your new (or new to you) car off the dealership lot. Some dealerships will offer you one during the purchase process, but the best thing to do when buying a an SUV is to talk with your insurance company beforehand.

What car insurance discounts can I get for my Kia Sportage?

There are a multitude of discounts out there when it comes to auto insurance. Many of them (like "pay-in-full discounts" and "multi-policy discounts") are more based on you than the Sportage you drive, but if your Sportage has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may qualify for certain discounts. The only way to know for sure is to talk with your insurance agent and ask about which discounts they offer, since they fluctuate quite a bit from carrier to carrier.