2023 Kia Sportage Car Insurance Calculator

Explore and learn how life choices impact car insurance rates for a 2023 Kia Sportage. Experiment with factors like Sportage trim level, driving record, policy coverages, and annual miles driven. Instantly see if your choice raised or lower rates and learn why.

The average estimated car insurance premium for a 2023 Kia Sportage is $2,270 per year, or about $189 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

$2,270

Cost Per Month

$189

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 2023 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.

$2,270
Average Rate
Your Rate
$2,270

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 2023 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 2023 Kia Sportage is $2,270.

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.

2023 Kia Sportage vs. the Small SUV Segment

The table below compares insurance rates for the 2023 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.

2023 Kia Sportage Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Chevrolet Trailblazer$1,722-$548
2Subaru Crosstrek$1,740-$530
3Nissan Kicks$1,744-$526
4Nissan Rogue Sport$1,776-$494
5Mazda CX-5$1,794-$476
6Buick Encore$1,814-$456
7Buick Envision$1,822-$448
8Kia Seltos$1,844-$426
9Hyundai Venue$1,854-$416
10Honda HR-V$1,886-$384
11Hyundai Kona$1,910-$360
12Subaru Forester$1,926-$344
13Honda CR-V$1,932-$338
14Mazda CX-30$1,936-$334
15Chevrolet Trax$1,950-$320
16Volkswagen Tiguan$1,978-$292
17Ford Bronco Sport$1,984-$286
18Fiat 500X$2,018-$252
19Kia Soul$2,022-$248
20GMC Terrain$2,024-$246
21Mitsubishi Eclipse Cross$2,034-$236
22Chevrolet Equinox$2,048-$222
23Toyota Corolla Cross$2,056-$214
24Volkswagen Taos$2,062-$208
25Mazda CX-50$2,064-$206
2023 Small SUV Average$2,073-$197
26Hyundai Tucson$2,082-$188
27Ford Escape$2,086-$184
28Nissan Rogue$2,094-$176
29Kia Niro$2,110-$160
30Toyota RAV4$2,112-$158
31Mazda MX-30$2,116-$154
32Mini Cooper$2,126-$144
33Jeep Compass$2,130-$140
34Mini Cooper Clubman$2,162-$108
35Jeep Renegade$2,192-$78
36Chevrolet Bolt$2,206-$64
37Toyota bz4X$2,216-$54
38Hyundai Ioniq 5$2,260-$10
39Kia Sportage$2,270--
40Mini Cooper Countryman$2,338$68
41Mitsubishi Mirage$2,340$70
42Mitsubishi Outlander$2,352$82
43Volkswagen ID4$2,366$96
44Kia EV6$2,416$146
45Dodge Hornet$2,418$148
46Hyundai Nexo$2,508$238
47Ford Mustang Mach-E$2,576$306

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.

2023 Sportage Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 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.

2023 Kia Sportage Insurance Rates by Trim Level
2023 Kia Sportage Trim Level Annual Premium Cost Per Month
LX$2,104$175
LX Hybrid$2,142$179
EX$2,164$180
X-Line AWD$2,236$186
EX Hybrid$2,236$186
SX$2,250$188
SX Prestige$2,288$191
X-Pro$2,318$193
SX Prestige Hybrid$2,340$195
X-Pro Prestige$2,346$196
X-Line Plug-in Hybrid$2,372$198
X-Line Prestige Plug-in Hybrid$2,434$203

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 2023 Kia Sportage for different driver ages.

2023 Kia Sportage Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,346$696
17$8,037$670
18$7,110$593
19$6,497$541
20$4,941$412
21$4,708$392
22$4,195$350
23$3,460$288
24$3,260$272
25$2,634$220
30$2,410$201
35$2,332$194
40$2,270$189
45$2,128$177
50$2,018$168
55$1,884$157
60$1,890$158
65$2,018$168
70$2,204$184
75$2,628$219
80$3,256$271

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.