2021 Kia Sportage Car Insurance Calculator

Understand how different risk factors impact the insurance cost for a 2021 Kia Sportage. Customize choices like trim level, driving violations, and policy coverages and see their impact on rates. Instantly discover how much rates change and learn exactly why.

The average estimated car insurance premium for a 2021 Kia Sportage is $1,774 per year, or about $148 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

$1,774

Cost Per Month

$148

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 2021 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.

$1,774
Average Rate
Your Rate
$1,774

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 2021 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 2021 Kia Sportage is $1,774.

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.

2021 Kia Sportage vs. the Small SUV Segment

The table below compares insurance rates for the 2021 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.

2021 Kia Sportage Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mazda CX-3$1,624-$150
2Honda CR-V$1,688-$86
3Mazda CX-5$1,712-$62
4Mazda CX-30$1,714-$60
5Ford Ecosport$1,720-$54
6Toyota C-HR$1,726-$48
7Nissan Rogue Sport$1,736-$38
8Chevrolet Trax$1,744-$30
9Buick Envision$1,756-$18
10Nissan Kicks$1,760-$14
11Hyundai Kona$1,762-$12
12Hyundai Venue$1,768-$6
13Hyundai Tucson$1,770-$4
14Kia Sportage$1,774--
15Jeep Compass$1,780$6
16Kia Soul$1,788$14
17Mitsubishi Eclipse Cross$1,792$18
18Chevrolet Equinox$1,794$20
19Chevrolet Trailblazer$1,804$30
20Honda HR-V$1,824$50
21Volkswagen Tiguan$1,830$56
22Subaru Forester$1,846$72
23Nissan Rogue$1,864$90
24Ford Escape$1,868$94
25GMC Terrain$1,872$98
26Subaru Crosstrek$1,876$102
27Kia Seltos$1,884$110
2021 Small SUV Average$1,890$116
28Buick Encore$1,914$140
29Volkswagen ID4$1,932$158
30Fiat 500X$1,940$166
31Ford Bronco Sport$1,946$172
32Jeep Renegade$1,956$182
33Toyota RAV4$2,020$246
34Kia Niro$2,032$258
35Mini Cooper Countryman$2,078$304
36Mini Cooper$2,126$352
37Mitsubishi Mirage$2,152$378
38Chevrolet Bolt$2,160$386
39Mini Cooper Clubman$2,310$536
40Mitsubishi Outlander$2,350$576
41Hyundai Nexo$2,504$730

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.

2021 Sportage Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 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.

2021 Kia Sportage Insurance Rates by Trim Level
2021 Kia Sportage Trim Level Annual Premium Cost Per Month
LX 2WD$1,622$135
LX 4WD$1,684$140
S 2WD$1,684$140
EX 2WD$1,750$146
S 4WD$1,750$146
EX 4WD$1,814$151
SX 2WD$1,944$162
SX 4WD$1,944$162

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 2021 Kia Sportage for different driver ages.

2021 Kia Sportage Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,454$538
17$6,230$519
18$5,540$462
19$5,052$421
20$3,855$321
21$3,673$306
22$3,277$273
23$2,695$225
24$2,544$212
25$2,058$172
30$1,884$157
35$1,822$152
40$1,774$148
45$1,662$139
50$1,578$132
55$1,474$123
60$1,478$123
65$1,578$132
70$1,710$143
75$2,030$169
80$2,510$209

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.