2022 Kia Sportage Car Insurance Calculator

Find out how different driver, vehicle, and coverage options impact the cost of car insurance for a 2022 Kia Sportage. Customize choices like trim level, driving violations, and policy coverages and see their impact on rates. Instantly discover if the choice you make has a positive or negative impact on rates.

The average estimated car insurance premium for a 2022 Kia Sportage is $2,136 per year, or about $178 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

$2,136

Cost Per Month

$178

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 2022 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.

$2,136
Average Rate
Your Rate
$2,136

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 2022 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 2022 Kia Sportage is $2,136.

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.

2022 Kia Sportage vs. the Small SUV Segment

The table below compares insurance rates for the 2022 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.

2022 Kia Sportage Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mazda CX-5$1,626-$510
2Nissan Kicks$1,666-$470
3Chevrolet Trailblazer$1,678-$458
4Subaru Crosstrek$1,718-$418
5Buick Encore$1,768-$368
6Toyota C-HR$1,774-$362
7Nissan Rogue Sport$1,782-$354
8Hyundai Venue$1,812-$324
9Buick Envision$1,818-$318
10Kia Seltos$1,820-$316
11Ford Bronco Sport$1,828-$308
12Toyota Corolla Cross$1,834-$302
13Hyundai Kona$1,850-$286
14Subaru Forester$1,852-$284
15Volkswagen Tiguan$1,860-$276
16Honda CR-V$1,872-$264
17Mazda CX-30$1,892-$244
18Honda HR-V$1,918-$218
19Ford Ecosport$1,936-$200
20Chevrolet Trax$1,958-$178
21GMC Terrain$1,966-$170
22Mitsubishi Eclipse Cross$1,972-$164
2022 Small SUV Average$1,982-$154
23Hyundai Tucson$1,986-$150
24Chevrolet Bolt$1,994-$142
25Chevrolet Equinox$1,998-$138
26Volkswagen Taos$2,002-$134
27Fiat 500X$2,010-$126
28Toyota RAV4$2,018-$118
29Kia Soul$2,020-$116
30Mazda MX-30$2,062-$74
31Jeep Compass$2,070-$66
32Kia Niro$2,076-$60
33Nissan Rogue$2,092-$44
34Ford Escape$2,102-$34
35Hyundai Ioniq 5$2,118-$18
36Mini Cooper Clubman$2,124-$12
37Jeep Renegade$2,126-$10
38Kia Sportage$2,136--
39Volkswagen ID4$2,178$42
40Mini Cooper$2,188$52
41Mini Cooper Countryman$2,210$74
42Mitsubishi Outlander$2,300$164
43Mitsubishi Mirage$2,320$184
44Ford Mustang Mach-E$2,418$282
45Hyundai Nexo$2,444$308

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.

2022 Sportage Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 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.

2022 Kia Sportage Insurance Rates by Trim Level
2022 Kia Sportage Trim Level Annual Premium Cost Per Month
LX$1,992$166
Nightfall Edition$2,106$176
EX$2,124$177
SX Turbo$2,322$194

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 2022 Kia Sportage for different driver ages.

2022 Kia Sportage Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,909$659
17$7,605$634
18$6,704$559
19$6,132$511
20$4,654$388
21$4,438$370
22$3,947$329
23$3,262$272
24$3,070$256
25$2,478$207
30$2,268$189
35$2,198$183
40$2,136$178
45$2,006$167
50$1,906$159
55$1,780$148
60$1,782$149
65$1,904$159
70$2,084$174
75$2,492$208
80$3,094$258

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.