2018 Kia Sportage Car Insurance Calculator

Learn visually how different driver and vehicle factors impact car insurance rates for a 2018 Kia Sportage. Fine-tune factors like driver gender, whether you're married or single, the state and city you live in, and homeowner status. Instantly see if the choice you make raises or lowers the cost of insurance.

The average estimated car insurance premium for a 2018 Kia Sportage is $1,754 per year, or about $146 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

$1,754

Cost Per Month

$146

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 2018 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.

$1,754
Average Rate
Your Rate
$1,754

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 2018 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 2018 Kia Sportage is $1,754.

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.

2018 Kia Sportage vs. the Small SUV Segment

The table below compares insurance rates for the 2018 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.

2018 Kia Sportage Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Ford Ecosport$1,374-$380
2Nissan Kicks$1,408-$346
3Toyota C-HR$1,412-$342
4Jeep Compass$1,426-$328
5Subaru Crosstrek$1,442-$312
6Hyundai Kona$1,458-$296
7Honda CR-V$1,464-$290
8Mazda CX-3$1,472-$282
9Chevrolet Equinox$1,554-$200
10Honda HR-V$1,560-$194
11Mitsubishi Eclipse Cross$1,574-$180
12Mazda CX-5$1,606-$148
13Subaru Forester$1,622-$132
14Chevrolet Trax$1,628-$126
2018 Small SUV Average$1,649-$105
15Nissan Rogue$1,656-$98
16Buick Encore$1,666-$88
17Jeep Renegade$1,676-$78
18Mini Cooper$1,692-$62
19Hyundai Tucson$1,698-$56
20Kia Soul$1,702-$52
21Volkswagen Tiguan$1,716-$38
22Buick Envision$1,740-$14
23Toyota RAV4$1,750-$4
24Kia Sportage$1,754--
25Mini Cooper Countryman$1,758$4
26Ford Escape$1,768$14
27Ford C-Max$1,798$44
28GMC Terrain$1,804$50
29Mini Cooper Clubman$1,826$72
30Chevrolet Bolt$1,830$76
31Mitsubishi Mirage$1,832$78
32Kia Niro$1,862$108
33Mitsubishi Outlander$1,880$126

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.

2018 Sportage Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 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.

2018 Kia Sportage Insurance Rates by Trim Level
2018 Kia Sportage Trim Level Annual Premium Cost Per Month
LX 2WD$1,626$136
LX 4WD$1,680$140
EX 2WD$1,738$145
EX 4WD$1,754$146
SX 2WD Turbo$1,840$153
SX 4WD Turbo$1,896$158

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 2018 Kia Sportage for different driver ages.

2018 Kia Sportage Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,501$542
17$6,246$521
18$5,496$458
19$5,034$420
20$3,821$318
21$3,639$303
22$3,236$270
23$2,678$223
24$2,516$210
25$2,038$170
30$1,860$155
35$1,804$150
40$1,754$146
45$1,648$137
50$1,566$131
55$1,462$122
60$1,466$122
65$1,566$131
70$1,716$143
75$2,052$171
80$2,542$212

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.