2013 Kia Sportage Car Insurance Calculator

Gain insights into how changes to driver risk factors and vehicle options impact the insurance cost for a 2013 Kia Sportage. Change driver's age, policy discounts, trim level options, and driving record plus many other factors. Find out instantly if rates change for better or worse.

The average estimated car insurance premium for a 2013 Kia Sportage is $1,362 per year, or about $114 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,362

Cost Per Month

$114

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Kia Sportage Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2013 Kia Sportage.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,362
Average Rate
Your Rate
$1,362

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2013 Kia Sportage trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2013 Kia Sportage is $1,362.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2013 Kia Sportage vs. the Small SUV Segment

The table below compares insurance rates for the 2013 Kia Sportage against all other models in the small SUV segment. The Kia Sportage is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Kia Sportage, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Kia Sportage.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2013 Kia Sportage Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Scion XB$1,054-$308
2Mini Cooper$1,152-$210
3Hyundai Tucson$1,172-$190
4Honda CR-V$1,180-$182
5Jeep Compass$1,250-$112
6Kia Soul$1,264-$98
7Nissan Cube$1,266-$96
8Mazda CX-5$1,274-$88
9Subaru XV Crosstrek$1,320-$42
10Scion XD$1,332-$30
11Mini Cooper Clubman$1,338-$24
12Buick Encore$1,348-$14
13Kia Sportage$1,362--
14Chevrolet Captiva Sport$1,366$4
2013 Small SUV Average$1,377$15
15Mini Cooper Countryman$1,382$20
16Toyota RAV4$1,418$56
17Suzuki SX4$1,424$62
18Ford Escape$1,432$70
19Nissan Rogue$1,438$76
20Chevrolet Equinox$1,446$84
21Subaru Forester$1,476$114
22Volkswagen Tiguan$1,484$122
23Mitsubishi Outlander$1,498$136
24GMC Terrain$1,504$142
25Mini Cooper Paceman$1,508$146
26Suzuki Grand Vitara$1,516$154
27Nissan Juke$1,522$160
28Jeep Patriot$1,528$166
29Subaru Tribeca$1,532$170
30Ford C-Max$1,534$172

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2013 Sportage Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2013 Kia Sportage.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2013 Kia Sportage Insurance Rates by Trim Level
2013 Kia Sportage Trim Level Annual Premium Cost Per Month
2WD$1,260$105
LX 2WD$1,298$108
LX 4WD$1,338$112
EX 2WD$1,380$115
EX 4WD$1,380$115
SX 2WD$1,420$118
SX 4WD$1,458$122

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2013 Kia Sportage for different driver ages.

2013 Kia Sportage Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,054$421
17$4,810$401
18$4,148$346
19$3,841$320
20$2,903$242
21$2,769$231
22$2,454$205
23$2,078$173
24$1,938$162
25$1,572$131
30$1,434$120
35$1,404$117
40$1,362$114
45$1,284$107
50$1,226$102
55$1,144$95
60$1,146$96
65$1,214$101
70$1,346$112
75$1,622$135
80$2,000$167

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Kia Sportage trim levels.