Does a Ford Escape or Kia Sportage Have Cheaper Insurance?

Discover if a Ford Escape or a Kia Sportage will be cheaper to insure. Rates compared back to 2015 for every trim level.

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  • At a cost of $2,138 per year on average, a 2024 Ford Escape costs less to insure than a 2024 Kia Sportage by $156 per year.
  • For a 2024 model year Ford Escape, average insurance rates range from $2,002 to $2,228 per year, while the 2024 Kia Sportage ranges from $2,158 to $2,408.
  • When compared to the 2024 model year average U.S. car insurance rate of $2,512 per year, the Ford Escape costs 16.1% less per year, while the Kia Sportage costs an average of 9.1% less per year.

Is insurance cheaper for a Ford Escape or Kia Sportage?

Insurance rates on a 2024 Ford Escape cost an average of $2,138 per year, whereas insurance for a Kia Sportage costs an average of $2,294 per year, making the Ford Escape the cheaper model to insure by $156 per year.

Out of 10 trims for the 2024 Ford Escape, the cheapest average car insurance prices are on the Active model at a cost of $2,002 per year, or around $167 per month.

For the 10 trim levels available for the Kia Sportage, the cheapest 2024 trim to insure is the LX trim at a cost of $2,158 per year, or about $180 per month.

When comparing both models at a trim-level basis, the lowest-cost model and trim level is the Ford Escape Active at an average of $2,002 per year, and the highest-cost model and trim level is the Kia Sportage X-Pro Prestige at an average cost of $2,408 per year.

The rate table below compares the annual and monthly car insurance cost for 2024 Ford Escape and Kia Sportage models, with average rates for each trim level.

2024 Model Year Ford Escape vs. Kia Sportage Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$2,002$167
$2,028$169
$2,100$175
$2,118$177
$2,136$178
$2,158$180
$2,172$181
$2,174$181
$2,182$182
$2,196$183
$2,214$185
$2,220$185
$2,228$186
$2,272$189
$2,286$191
$2,300$192
$2,344$195
$2,384$199
$2,390$199
$2,408$201

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 26, 2025

Annual and monthly insurance cost by trim level for a 2024 Ford Escape and a 2024 Kia Sportage
Annual and monthly insurance cost by trim level for a 2024 Ford Escape and a 2024 Kia Sportage

The chart shown below shows the average cost to insure both models with different ages of drivers. For a 2024 Ford Escape, average insurance cost ranges from $1,898 to $4,312 per year for the driver ages used. A 2024 Kia Sportage costs from $2,042 to $4,658 to insure per year.

Average car insurance premiums for 2024 Ford Escape and Kia Sportage models for different driver ages.
Figure 1: Average car insurance premiums for 2024 Ford Escape and Kia Sportage models for different driver ages. Rates updated on June 26, 2025.

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Data Methodology: Rates based on a 2024 model year Ford Escape and Kia Sportage. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2024 Ford Escape vs. Kia Sportage Insurance Cost
Driver Age Ford Escape Kia Sportage
18-Year-Old$6,630$7,177
20-Year-Old$4,312$4,658
25-Year-Old$2,482$2,662
30-Year-Old$2,274$2,438
40-Year-Old$2,138$2,294
50-Year-Old$1,898$2,042
60-Year-Old$1,776$1,912

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year. Updated June 26, 2025

The next tables display average car insurance rates for each trim level, plus the average rate for each model. The 2024 Ford Escape has more affordable average car insurance rates than the 2024 Kia Sportage.

2024 Ford Escape

$2,138

Insurance Rates by Trim Level for a 2024 Ford Escape
2024 Ford Escape TrimsRate
Active$2,002
ST-Line2,028
ST-Line Hybrid2,100
ST-Line Select2,118
ST-Line Select Hybrid2,136
Platinum Hybrid2,174
Platinum2,182
ST-Line Elite2,196
ST-Line Elite Hybrid2,214
Plug-in Hybrid2,228
2024 Ford Escape Average Rate$2,138

2024 Kia Sportage

$2,294

Insurance Rates by Trim Level for 2024 Ford Escape
2024 Kia Sportage TrimsRate
LX$2,158
LX Hybrid2,172
EX2,220
EX Hybrid2,272
X-Line AWD2,286
SX2,300
SX Prestige2,344
X-Pro2,384
SX Prestige Hybrid2,390
X-Pro Prestige2,408
2024 Kia Sportage Average Rate$2,294

2023 Ford Escape vs. Kia Sportage

For 2023 Ford Escape and Kia Sportage models, the model having the cheapest car insurance rates is the Ford Escape. Insurance cost for the Ford Escape averages $2,086 per year, whereas insurance for the Kia Sportage costs an average of $2,270 per year.

Car insurance cost varies significantly depending on the trim level, however. For the 2023 Escape, car insurance rates range from $1,948 per year for the Base model up to the most expensive rate of $2,188 for the ST-Line Elite Hybrid AWD model. For the 2023 Sportage, rates range from $2,104 per year for the LX model up to $2,434 on the most expensive to insure X-Line Prestige Plug-in Hybrid model.

For a 2023 Ford Escape, the cheapest trims to insure are the Base, Active, and Base AWD. The most affordable Kia Sportage trim levels to insure include the LX, LX Hybrid, and EX.

The table shown below compares and ranks the yearly and monthly cost of car insurance for 2023 Ford Escape and Kia Sportage models.

2023 Model Year Ford Escape vs. Kia Sportage Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,948$162
$1,986$166
$1,988$166
$2,010$168
$2,036$170
$2,056$171
$2,090$174
$2,102$175
$2,104$175
$2,120$177
$2,142$179
$2,154$180
$2,164$180
$2,174$181
$2,174$181
$2,174$181
$2,188$182
$2,236$186
$2,236$186
$2,250$188
$2,288$191
$2,318$193
$2,340$195
$2,346$196
$2,372$198
$2,434$203

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 27, 2025

Annual and monthly insurance cost by trim level for a 2023 Ford Escape and a 2023 Kia Sportage
Annual and monthly insurance cost by trim level for a 2023 Ford Escape and a 2023 Kia Sportage

The next chart illustrates the average car insurance cost for the two models for drivers from ages 20 to 50. Average insurance cost ranges from $1,854 to $4,216 per year on the 2023 Ford Escape, and $2,018 to $4,614 on the 2023 Kia Sportage for the illustrated age groups.

Average car insurance premiums for 2023 Ford Escape and Kia Sportage models for different driver ages.
Figure 2: Average car insurance premiums for 2023 Ford Escape and Kia Sportage models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2023 model year Ford Escape and Kia Sportage. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2023 Ford Escape vs. Kia Sportage Insurance Cost
Driver Age Ford Escape Kia Sportage
18-Year-Old$6,485$7,110
20-Year-Old$4,216$4,614
25-Year-Old$2,422$2,634
30-Year-Old$2,216$2,410
40-Year-Old$2,086$2,270
50-Year-Old$1,854$2,018
60-Year-Old$1,736$1,890

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2023 model year. Updated June 27, 2025

For the 14 trims available for a 2023 Ford Escape, the cheapest trim level to insure is the Base trim at an average cost of $1,948 per year. A 2023 Kia Sportage has 12 different trims available, with the lowest-cost model to insure being the LX trim at an average cost of $2,104 per year, or $175 per month.

When car insurance rates for all 26 trims of both models are combined and sorted by cost, the overall cheapest vehicle to insure is the Ford Escape Base at an average of $1,948 per year. The highest-cost model and trim is the Kia Sportage X-Line Prestige Plug-in Hybrid at an average cost of $2,434 per year.

The next two rate tables detail trim level insurance cost averages for both 2023 models, plus an average rate for each model.

2023 Ford Escape

$2,086

Insurance Rates by Trim Level for a 2023 Ford Escape
2023 Ford Escape TrimsRate
Base$1,948
Active1,986
Base AWD1,988
ST-Line2,010
Active AWD2,036
ST-Line AWD2,056
ST-Line Hybrid2,090
ST-Line Select AWD2,102
ST-Line Select Hybrid AWD2,120
Platinum Hybrid2,154
Platinum Hybrid AWD2,174
ST-Line Elite AWD2,174
Plug-in Hybrid2,174
ST-Line Elite Hybrid AWD2,188
2023 Ford Escape Average Rate$2,086

2023 Kia Sportage

$2,270

Insurance Rates by Trim Level for 2023 Ford Escape
2023 Kia Sportage TrimsRate
LX$2,104
LX Hybrid2,142
EX2,164
X-Line AWD2,236
EX Hybrid2,236
SX2,250
SX Prestige2,288
X-Pro2,318
SX Prestige Hybrid2,340
X-Pro Prestige2,346
X-Line Plug-in Hybrid2,372
X-Line Prestige Plug-in Hybrid2,434
2023 Kia Sportage Average Rate$2,270

2022 Ford Escape vs. Kia Sportage

For 2022 Ford Escape and Kia Sportage models, the Ford Escape has cheaper car insurance rates by an average of $34 per year.

The chart below demonstrates the average cost to insure the two models for a range of driver ages. The average cost of car insurance ranges from $1,866 to $4,254 per year for a 2022 Ford Escape, and $1,906 to $4,348 on the 2022 Kia Sportage for the five age groups shown in the chart.

Average car insurance premiums for 2022 Ford Escape and Kia Sportage models for different driver ages.
Figure 3: Average car insurance premiums for 2022 Ford Escape and Kia Sportage models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2022 model year Ford Escape and Kia Sportage. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2022 Ford Escape vs. Kia Sportage Insurance Cost
Driver Age Ford Escape Kia Sportage
18-Year-Old$6,548$6,704
20-Year-Old$4,254$4,348
25-Year-Old$2,440$2,478
30-Year-Old$2,236$2,268
40-Year-Old$2,102$2,136
50-Year-Old$1,866$1,906
60-Year-Old$1,748$1,782

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2022 model year. Updated June 27, 2025

For the 15 trim levels available for a 2022 Ford Escape, the cheapest trim level to insure is the S model at an average cost of $1,904 per year. Out of the four trim options available for the Kia Sportage, the cheapest 2022 trim level to insure is the LX trim at a cost of $1,992 per year, or about $166 per month.

When comparing both models combined at a trim-level basis, the most affordable model and trim level to buy insurance for is the Ford Escape S at an average cost of $1,904 per year. The most expensive model and trim level is the Kia Sportage SX Turbo at an average of $2,322 per year.

The two tables below show the average cost to insure each trim level for a 2022 Ford Escape and Kia Sportage, including an overall average cost for each model.

2022 Ford Escape

$2,102

Insurance Rates by Trim Level for a 2022 Ford Escape
2022 Ford Escape TrimsRate
S$1,904
SE1,972
SE Hybrid1,980
SE AWD2,038
SEL2,044
SE Hybrid AWD2,050
SEL Hybrid2,104
SEL AWD2,108
SE Plug-in Hybrid2,116
Titanium Hybrid2,120
SEL Hybrid AWD2,122
Titanium Hybrid AWD2,182
Titanium AWD2,236
SEL Plug-in Hybrid2,260
Titanium Plug-in Hybrid2,302
2022 Ford Escape Average Rate$2,102

2022 Kia Sportage

$2,136

Insurance Rates by Trim Level for 2022 Ford Escape
2022 Kia Sportage TrimsRate
LX$1,992
Nightfall Edition2,106
EX2,124
SX Turbo2,322
2022 Kia Sportage Average Rate$2,136

2021 Ford Escape vs. Kia Sportage

For the 2021 Ford Escape and Kia Sportage models, the Kia Sportage costs less to insure by an average of $94 per year.

The following chart shows the average car insurance cost for both models with different ages of drivers. Insurance cost ranges from $1,660 to $3,776 per year for a 2021 Ford Escape, and $1,578 to $3,598 for the 2021 Kia Sportage for the different drivers illustrated in the chart.

Average car insurance premiums for 2021 Ford Escape and Kia Sportage models for different driver ages.
Figure 4: Average car insurance premiums for 2021 Ford Escape and Kia Sportage models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2021 model year Ford Escape and Kia Sportage. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2021 Ford Escape vs. Kia Sportage Insurance Cost
Driver Age Ford Escape Kia Sportage
18-Year-Old$5,808$5,540
20-Year-Old$3,776$3,598
25-Year-Old$2,168$2,058
30-Year-Old$1,988$1,884
40-Year-Old$1,868$1,774
50-Year-Old$1,660$1,578
60-Year-Old$1,556$1,478

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2021 model year. Updated June 26, 2025

Out of 10 trim levels for the 2021 Ford Escape, the most affordable car insurance rates are on the S 2WD trim at a cost of $1,738 per year.

For the eight option levels available for a Kia Sportage, the cheapest 2021 model to insure is the LX 2WD model at a cost of $1,622.

When car insurance rates for all 18 trims of both models are combined and sorted by cost, the lowest-cost model and trim to insure is the Kia Sportage LX 2WD at an average cost of $1,622 per year. The overall most expensive vehicle to insure is the Ford Escape Titanium AWD at an average cost of $2,028 per year.

The rate tables below break down the average cost to insure all 2021 trim levels, along with an average cost for each model. The 2021 Kia Sportage has lower-cost car average car insurance rates than the 2021 Ford Escape.

2021 Ford Escape

$1,868

Insurance Rates by Trim Level for a 2021 Ford Escape
2021 Ford Escape TrimsRate
S 2WD$1,738
SE 2WD1,768
SE AWD1,834
SE Sport Hybrid 2WD1,834
SE Sport Hybrid 4WD1,834
SEL 2WD1,834
SEL AWD1,898
Titanium Hybrid 2WD1,962
Titanium Hybrid AWD1,962
Titanium AWD2,028
2021 Ford Escape Average Rate$1,868

2021 Kia Sportage

$1,774

Insurance Rates by Trim Level for 2021 Ford Escape
2021 Kia Sportage TrimsRate
LX 2WD$1,622
LX 4WD1,684
S 2WD1,684
EX 2WD1,750
S 4WD1,750
EX 4WD1,814
SX 2WD1,944
SX 4WD1,944
2021 Kia Sportage Average Rate$1,774

2020 Ford Escape vs. Kia Sportage

When comparing insurance rates for 2020 models, a Ford Escape costs an average of $1,814 per year to insure and a Kia Sportage costs $1,722, making the Kia Sportage more affordable to insure by $92 per year.

The following chart displays the average car insurance cost for the two models rated for a variety of different driver ages. A full-coverage car insurance policy ranges from $1,612 to $3,662 per year for a 2020 Ford Escape, and $1,534 to $3,490 for a 2020 Kia Sportage for the included driver ages.

Average car insurance premiums for 2020 Ford Escape and Kia Sportage models for different driver ages.
Figure 5: Average car insurance premiums for 2020 Ford Escape and Kia Sportage models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2020 model year Ford Escape and Kia Sportage. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2020 Ford Escape vs. Kia Sportage Insurance Cost
Driver Age Ford Escape Kia Sportage
18-Year-Old$5,633$5,376
20-Year-Old$3,662$3,490
25-Year-Old$2,104$2,000
30-Year-Old$1,930$1,830
40-Year-Old$1,814$1,722
50-Year-Old$1,612$1,534
60-Year-Old$1,510$1,438

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2020 model year. Updated June 27, 2025

For the 10 trim levels available for a 2020 Ford Escape, the cheapest trim level to insure is the S 2WD trim at an average cost of $1,686 per year. For the eight trims available for the Kia Sportage, the most affordable 2020 trim to insure is the LX 2WD trim at a cost of $1,576 per year, or around $131 per month.

When rates are compared for the 18 trim options of both 2020 models, the lowest-cost model and trim to put coverage on is the Kia Sportage LX 2WD at a cost of $1,576 per year. The highest-cost model and trim level is the Ford Escape Titanium AWD at an average of $1,964 per year.

The two tables below display average car insurance cost by trim level for a 2020 Ford Escape and Kia Sportage, along with an average cost for each model. The cheapest of the two models to insure for the 2020 model year is the Kia Sportage.

2020 Ford Escape

$1,814

Insurance Rates by Trim Level for a 2020 Ford Escape
2020 Ford Escape TrimsRate
S 2WD$1,686
SE 2WD1,716
SE AWD1,780
SE Sport Hybrid 2WD1,780
SE Sport Hybrid 4WD1,780
SEL 2WD1,780
SEL AWD1,842
Titanium Hybrid 2WD1,902
Titanium Hybrid AWD1,902
Titanium AWD1,964
2020 Ford Escape Average Rate$1,814

2020 Kia Sportage

$1,722

Insurance Rates by Trim Level for 2020 Ford Escape
2020 Kia Sportage TrimsRate
LX 2WD$1,576
LX 4WD1,638
S 2WD1,638
EX 2WD1,698
S 4WD1,698
EX 4WD1,760
SX 2WD1,884
SX 4WD1,884
2020 Kia Sportage Average Rate$1,722

2019 Ford Escape vs. Kia Sportage

For the 2019 Ford Escape and Kia Sportage models, the Kia Sportage has cheaper car insurance cost by an average of $10 per year for this model year.

The chart below demonstrates the average insurance cost for both 2019 models with different driver age groups. The average full-coverage insurance policy ranges from $1,656 to $3,794 per year on a 2019 Ford Escape, and $1,648 to $3,770 for a 2019 Kia Sportage for the age groups used in this illustration.

Average car insurance premiums for 2019 Ford Escape and Kia Sportage models for different driver ages.
Figure 6: Average car insurance premiums for 2019 Ford Escape and Kia Sportage models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2019 model year Ford Escape and Kia Sportage. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2019 Ford Escape vs. Kia Sportage Insurance Cost
Driver Age Ford Escape Kia Sportage
18-Year-Old$5,848$5,809
20-Year-Old$3,794$3,770
25-Year-Old$2,162$2,148
30-Year-Old$1,976$1,962
40-Year-Old$1,862$1,852
50-Year-Old$1,656$1,648
60-Year-Old$1,552$1,542

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2019 model year. Updated June 27, 2025

Out of seven Ford Escape trims, the most affordable 2019 trim to insure is the S 2WD model at an average cost of $1,752 per year, or about $146 per month. Out of the six trim levels available for a Kia Sportage, the lowest-cost 2019 model to insure is the LX 2WD trim at a cost of $1,692 per year, or around $141 per month.

When rates are compared for the 13 trims of both 2019 models, the cheapest model and trim level to insure is the Kia Sportage LX 2WD at a cost of $1,692 per year. The most expensive model and trim level is the Kia Sportage SX 4WD Turbo at an average of $1,988 per year.

The rate tables below detail average car insurance rates for every trim level for both 2019 models, plus the average rate for each model. The 2019 Kia Sportage has more affordable average car insurance than the 2019 Ford Escape.

2019 Ford Escape

$1,862

Insurance Rates by Trim Level for a 2019 Ford Escape
2019 Ford Escape TrimsRate
S 2WD$1,752
SE 2WD1,812
SE AWD1,812
SEL 2WD1,870
SEL AWD1,870
Titanium 2WD1,930
Titanium AWD1,988
2019 Ford Escape Average Rate$1,862

2019 Kia Sportage

$1,852

Insurance Rates by Trim Level for 2019 Ford Escape
2019 Kia Sportage TrimsRate
LX 2WD$1,692
LX 4WD1,752
EX 2WD1,812
EX 4WD1,870
SX 2WD Turbo1,988
SX 4WD Turbo1,988
2019 Kia Sportage Average Rate$1,852

2018 Ford Escape vs. Kia Sportage

For 2018 Ford Escape and Kia Sportage models, the Kia Sportage has lower-cost car insurance by an average of $14 per year.

The following chart displays the average car insurance cost for the two models using a range of rated driver ages. Average car insurance cost ranges from $1,578 to $3,598 per year for a 2018 Ford Escape, and $1,566 to $3,572 on the 2018 Kia Sportage.

Average car insurance premiums for 2018 Ford Escape and Kia Sportage models for different driver ages.
Figure 7: Average car insurance premiums for 2018 Ford Escape and Kia Sportage models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2018 model year Ford Escape and Kia Sportage. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2018 Ford Escape vs. Kia Sportage Insurance Cost
Driver Age Ford Escape Kia Sportage
18-Year-Old$5,537$5,496
20-Year-Old$3,598$3,572
25-Year-Old$2,054$2,038
30-Year-Old$1,874$1,860
40-Year-Old$1,768$1,754
50-Year-Old$1,578$1,566
60-Year-Old$1,478$1,466

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2018 model year. Updated June 27, 2025

Out of seven trim levels for a 2018 Ford Escape, the lowest-cost insurance rates are on the S 2WD trim at a cost of $1,626 per year.

A 2018 Kia Sportage has six trims available, with the lowest-cost model to insure being the LX 2WD model at an average cost of $1,626 per year.

When looking at the aggregated rates by trim for both models, the lowest-cost model and trim to buy insurance for is the Ford Escape S 2WD at an average cost of $1,626 per year. The most expensive trim is the Ford Escape Titanium AWD costing $1,904 per year.

The next two rate tables show average car insurance rates for each trim level, including an overall average rate. The winner for the 2018 car insurance battle is the Kia Sportage.

2018 Ford Escape

$1,768

Insurance Rates by Trim Level for a 2018 Ford Escape
2018 Ford Escape TrimsRate
S 2WD$1,626
SE 2WD1,680
SE AWD1,738
SEL 2WD1,792
SEL AWD1,792
Titanium 2WD1,848
Titanium AWD1,904
2018 Ford Escape Average Rate$1,768

2018 Kia Sportage

$1,754

Insurance Rates by Trim Level for 2018 Ford Escape
2018 Kia Sportage TrimsRate
LX 2WD$1,626
LX 4WD1,680
EX 2WD1,738
EX 4WD1,754
SX 2WD Turbo1,840
SX 4WD Turbo1,896
2018 Kia Sportage Average Rate$1,754

2017 Ford Escape vs. Kia Sportage

For the 2017 Ford Escape and Kia Sportage models, the Ford Escape has cheaper car insurance rates by an average of $10 per year.

The chart below illustrates the average insurance cost for both 2017 models rated for a variety of different driver ages. For the 2017 Ford Escape, the average insurance cost ranges from $1,494 to $3,404 per year for the age groups included in the chart. Auto insurance for a 2017 Kia Sportage ranges from $1,504 to $3,426 on average per year.

Average car insurance premiums for 2017 Ford Escape and Kia Sportage models for different driver ages.
Figure 8: Average car insurance premiums for 2017 Ford Escape and Kia Sportage models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2017 model year Ford Escape and Kia Sportage. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2017 Ford Escape vs. Kia Sportage Insurance Cost
Driver Age Ford Escape Kia Sportage
18-Year-Old$5,234$5,269
20-Year-Old$3,404$3,426
25-Year-Old$1,942$1,954
30-Year-Old$1,770$1,782
40-Year-Old$1,676$1,686
50-Year-Old$1,494$1,504
60-Year-Old$1,402$1,410

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2017 model year. Updated June 27, 2025

Out of five Ford Escape trim levels, the lowest-cost 2017 trim level to insure is the S 2WD trim at an average cost of $1,570 per year.

A 2017 Kia Sportage has six different trim levels available, with the most affordable trim level to insure being the LX 2WD model at an average cost of $1,570 per year.

When auto insurance rates for all 11 trim levels for the 2017 model year of both models are compared, the most affordable model and trim level to insure is the Ford Escape S 2WD at a cost of $1,570 per year. The highest-cost model and trim is the Kia Sportage SX 4WD costing an average of $1,836 per year.

The next tables display trim level insurance rates for each 2017 model, plus the average rate for each model. The model with the cheapest overall car insurance cost for 2017 is the Ford Escape.

2017 Ford Escape

$1,676

Insurance Rates by Trim Level for a 2017 Ford Escape
2017 Ford Escape TrimsRate
S 2WD$1,570
SE 2WD1,624
SE AWD1,678
Titanium 2WD1,730
Titanium AWD1,776
2017 Ford Escape Average Rate$1,676

2017 Kia Sportage

$1,686

Insurance Rates by Trim Level for 2017 Ford Escape
2017 Kia Sportage TrimsRate
LX 2WD$1,570
EX 2WD1,624
LX 4WD1,624
EX 4WD1,678
SX 2WD1,782
SX 4WD1,836
2017 Kia Sportage Average Rate$1,686

2016 Ford Escape vs. Kia Sportage

For the 2016 Ford Escape and Kia Sportage models, the Kia Sportage has cheaper car insurance rates by an average of $48 per year.

The following chart visualizes the average cost to insure both models for drivers from ages 20 to 50. Average insurance cost ranges from $1,422 to $3,214 per year for the 2016 Ford Escape, and $1,382 to $3,076 on a 2016 Kia Sportage for the chosen age groups in the chart.

Average car insurance premiums for 2016 Ford Escape and Kia Sportage models for different driver ages.
Figure 9: Average car insurance premiums for 2016 Ford Escape and Kia Sportage models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2016 model year Ford Escape and Kia Sportage. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2016 Ford Escape vs. Kia Sportage Insurance Cost
Driver Age Ford Escape Kia Sportage
18-Year-Old$4,934$4,694
20-Year-Old$3,214$3,076
25-Year-Old$1,840$1,780
30-Year-Old$1,676$1,626
40-Year-Old$1,588$1,540
50-Year-Old$1,422$1,382
60-Year-Old$1,328$1,290

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2016 model year. Updated June 27, 2025

For the five trim levels available for a 2016 Ford Escape, the lowest-cost model to insure is the S 2WD model at an average cost of $1,492 per year. A 2016 Kia Sportage has six different trim levels available, with the most affordable trim to insure being the LX 2WD model at an average cost of $1,458 per year, or around $122 per month.

When comparing rates by trim level for both models, the cheapest vehicle to insure is the Kia Sportage LX 2WD at an average of $1,458 per year. The most expensive model and trim level is the Ford Escape Titanium AWD at an average cost of $1,676 per year.

The tables shown below display all the available trims for both 2016 models, including an overall average rate.

2016 Ford Escape

$1,588

Insurance Rates by Trim Level for a 2016 Ford Escape
2016 Ford Escape TrimsRate
S 2WD$1,492
SE 2WD1,542
SE AWD1,590
Titanium 2WD1,636
Titanium AWD1,676
2016 Ford Escape Average Rate$1,588

2016 Kia Sportage

$1,540

Insurance Rates by Trim Level for 2016 Ford Escape
2016 Kia Sportage TrimsRate
LX 2WD$1,458
LX 4WD1,458
EX 2WD1,506
EX 4WD1,560
SX 2WD1,610
SX 4WD1,650
2016 Kia Sportage Average Rate$1,540

2015 Ford Escape vs. Kia Sportage

For the 2015 Ford Escape and Kia Sportage models, the Ford Escape has cheaper car insurance cost by an average of $38 per year for this comparison year.

The chart below shows the average cost to insure both 2015 models for the 20 to 50-year-old driver age groups. For a 2015 Ford Escape, the average cost of car insurance ranges from $1,268 to $2,856 per year for the age groups included in the chart. Car insurance for the 2015 Kia Sportage costs from $1,308 to $2,906 on average per year.

Average car insurance premiums for 2015 Ford Escape and Kia Sportage models for different driver ages.
Figure 10: Average car insurance premiums for 2015 Ford Escape and Kia Sportage models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2015 model year Ford Escape and Kia Sportage. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2015 Ford Escape vs. Kia Sportage Insurance Cost
Driver Age Ford Escape Kia Sportage
18-Year-Old$4,381$4,424
20-Year-Old$2,856$2,906
25-Year-Old$1,638$1,678
30-Year-Old$1,498$1,532
40-Year-Old$1,416$1,454
50-Year-Old$1,268$1,308
60-Year-Old$1,188$1,220

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2015 model year. Updated June 27, 2025

Out of five Ford Escape trim levels, the most affordable 2015 model to insure is the S 2WD trim at an average cost of $1,326 per year, or around $111 per month. For the six option levels available for the Kia Sportage, the cheapest 2015 trim level to insure is the LX 2WD trim at a cost of $1,350 per year, or around $113 per month.

When comparing both models combined at a trim-level basis, the cheapest model and trim level to buy insurance for is the Ford Escape S 2WD at an average cost of $1,326 per year. The most expensive vehicle to insure is the Kia Sportage SX 4WD costing $1,528 per year.

The next two tables break down all the available trims for both 2015 models, plus an average rate for each model. The 2015 Ford Escape has more affordable average car insurance rates than the 2015 Kia Sportage.

2015 Ford Escape

$1,416

Insurance Rates by Trim Level for a 2015 Ford Escape
2015 Ford Escape TrimsRate
S 2WD$1,326
SE 2WD1,370
SE AWD1,416
Titanium 2WD1,460
Titanium AWD1,504
2015 Ford Escape Average Rate$1,416

2015 Kia Sportage

$1,454

Insurance Rates by Trim Level for 2015 Ford Escape
2015 Kia Sportage TrimsRate
LX 2WD$1,350
LX 4WD1,394
EX 2WD1,438
EX 4WD1,482
SX 2WD1,528
SX 4WD1,528
2015 Kia Sportage Average Rate$1,454

Additional Ford Escape and Kia Sportage Resources