Does a Ford Escape or Kia Sportage Have Cheaper Insurance?

• At a cost of $2,188 per year on average, a 2024 Ford Escape costs less to insure than a 2024 Kia Sportage by $162 per year.
• For a 2024 model year Ford Escape, average insurance rates range from $2,050 to $2,282 per year, while the 2024 Kia Sportage ranges from $2,212 to $2,466.
• When compared to the 2024 model year average U.S. car insurance rate of $2,572 per year, the Ford Escape costs 16.1% less per year, while the Kia Sportage costs an average of 9% less per year.

Is insurance cheaper for a Ford Escape or Kia Sportage?

Insurance rates on a 2024 Ford Escape cost an average of $2,188 per year, whereas insurance for a Kia Sportage costs an average of $2,350 per year, making the Ford Escape the cheaper model to insure by $162 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 $2,050 per year, or around $171 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 $2,212 per year, or about $184 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 $2,050 per year, and the highest-cost model and trim level is the Kia Sportage X-Pro Prestige at an average cost of $2,466 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.

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 $1,946 to $4,420 per year for the driver ages used. A 2024 Kia Sportage costs from $2,092 to $4,772 to insure per year.

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.

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 $2,136 per year, whereas insurance for the Kia Sportage costs an average of $2,324 per year.

Car insurance cost varies significantly depending on the trim level, however. For the 2023 Escape, car insurance rates range from $1,996 per year for the Base model up to the most expensive rate of $2,242 for the ST-Line Elite Hybrid AWD model. For the 2023 Sportage, rates range from $2,156 per year for the LX model up to $2,492 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.

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 $1,898 to $4,320 per year on the 2023 Ford Escape, and $2,068 to $4,726 on the 2023 Kia Sportage for the illustrated age groups.

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 $1,996 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 $2,156 per year, or $180 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 $1,996 per year. The highest-cost model and trim is the Kia Sportage X-Line Prestige Plug-in Hybrid at an average cost of $2,492 per year.

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

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 $1,912 to $4,362 per year for a 2022 Ford Escape, and $1,952 to $4,458 on the 2022 Kia Sportage for the five age groups shown in the chart.

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 $1,952 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 $2,040 per year, or about $170 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 $1,952 per year. The most expensive model and trim level is the Kia Sportage SX Turbo at an average of $2,378 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.

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 $98 per year.

The following chart shows the average car insurance cost for both models with different ages of drivers. Insurance cost ranges from $1,700 to $3,864 per year for a 2021 Ford Escape, and $1,616 to $3,682 for the 2021 Kia Sportage for the different drivers illustrated in the chart.

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 $1,778 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 $1,660.

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 $1,660 per year. The overall most expensive vehicle to insure is the Ford Escape Titanium AWD at an average cost of $2,076 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.

2020 Ford Escape vs. Kia Sportage

When comparing insurance rates for 2020 models, a Ford Escape costs an average of $1,858 per year to insure and a Kia Sportage costs $1,764, making the Kia Sportage more affordable to insure by $94 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 $1,652 to $3,750 per year for a 2020 Ford Escape, and $1,570 to $3,576 for a 2020 Kia Sportage for the included driver ages.

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 $1,726 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 $1,614 per year, or around $135 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 $1,614 per year. The highest-cost model and trim level is the Ford Escape Titanium AWD at an average of $2,012 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.

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 $12 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 $1,698 to $3,888 per year on a 2019 Ford Escape, and $1,688 to $3,862 for a 2019 Kia Sportage for the age groups used in this illustration.

Out of seven Ford Escape trims, the most affordable 2019 trim to insure is the S 2WD model at an average cost of $1,792 per year, or about $149 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 $1,732 per year, or around $144 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 $1,732 per year. The most expensive model and trim level is the Kia Sportage SX 4WD Turbo at an average of $2,036 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.

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 $1,616 to $3,686 per year for a 2018 Ford Escape, and $1,604 to $3,658 on the 2018 Kia Sportage.

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 $1,664 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 $1,664 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 $1,664 per year. The most expensive trim is the Ford Escape Titanium AWD costing $1,950 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.

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 $1,532 to $3,488 per year for the age groups included in the chart. Auto insurance for a 2017 Kia Sportage ranges from $1,540 to $3,510 on average per year.

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 $1,606 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 $1,606 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 $1,606 per year. The highest-cost model and trim is the Kia Sportage SX 4WD costing an average of $1,878 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.

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 $1,454 to $3,294 per year for the 2016 Ford Escape, and $1,414 to $3,154 on a 2016 Kia Sportage for the chosen age groups in the chart.

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 $1,528 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 $1,492 per year, or around $124 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 $1,492 per year. The most expensive model and trim level is the Ford Escape Titanium AWD at an average cost of $1,714 per year.

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

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 $1,298 to $2,924 per year for the age groups included in the chart. Car insurance for the 2015 Kia Sportage costs from $1,338 to $2,976 on average per year.

Out of five Ford Escape trim levels, the most affordable 2015 model to insure is the S 2WD trim at an average cost of $1,358 per year, or around $113 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 $1,380 per year, or around $115 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 $1,358 per year. The most expensive vehicle to insure is the Kia Sportage SX 4WD costing $1,564 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.

Additional Ford Escape and Kia Sportage Resources

• Ford Escape Insurance Cost
• Kia Sportage Insurance Cost
• Small SUV Insurance Cost Comparisons