GMC Terrain or Kia Sportage Insurance – Which is More Affordable?

• The 2024 GMC Terrain takes the win over the Kia Sportage, saving the average driver $198 per year on auto insurance.
• Average insurance cost per month on the Kia Sportage is 8.7% more expensive than the GMC Terrain, at $175 compared to $191, a difference of $16.
• With 47 models in the 2024 small SUV class, the GMC Terrain ranks 18^th and the Kia Sportage ranks 34^th for most affordable car insurance.

Is car insurance cheaper for a GMC Terrain or Kia Sportage?

Insurance on a 2024 GMC Terrain costs an average of $2,096 per year, and a 2024 Kia Sportage averages $2,294 per year, making the GMC Terrain the cheaper model to insure by $198 per year.

Out of six trim levels for the 2024 GMC Terrain, the cheapest car insurance rates are on the SLE 2WD model at a cost of $1,980 per year. Out of the 10 trims available for the Kia Sportage, the cheapest 2024 trim to insure is the LX model at a cost of $2,158.

When trim-level rates for both models are compared, the cheapest trim is the GMC Terrain SLE 2WD at a cost of $1,980 per year, and the highest-cost model and trim is the Kia Sportage X-Pro Prestige at a cost of $2,408 per year.

The table shown below compares the annual and monthly cost of car insurance for 2024 GMC Terrain and Kia Sportage models, showing average premium cost for each trim level.

The next chart shows the average cost to insure the two models using drivers aged 20 to 50. For a 2024 GMC Terrain, the average car insurance cost ranges from $1,862 to $4,148 per year for the illustrated age groups. A 2024 Kia Sportage costs from $2,042 to $4,658 to insure per year.

The rate tables below illustrate the cost to insure the available trim levels for both 2024 models, plus an average rate for each model. The 2024 GMC Terrain has cheaper overall car insurance rates than the 2024 Kia Sportage.

2023 GMC Terrain vs. Kia Sportage

Car insurance for a 2023 GMC Terrain averages $2,024 per year, while insurance for a Kia Sportage costs an average of $2,270 per year, making the GMC Terrain the cheaper of the two models to insure.

Out of six GMC Terrain trim levels, the cheapest 2023 trim to insure is the SLE 2WD model at an average cost of $1,926 per year, or about $161 per month. Out of the 12 trims available for the Kia Sportage, the cheapest 2023 trim to insure is the LX trim at a cost of $2,104 per year, or $175 per month.

When comparing car insurance rates for both models by trim level, the cheapest vehicle to insure is the GMC Terrain SLE 2WD at an average of $1,926 per year, and the most expensive vehicle to insure is the Kia Sportage X-Line Prestige Plug-in Hybrid at an average cost of $2,434 per year.

The table shown below ranks the annual and monthly cost of car insurance for 2023 GMC Terrain and Kia Sportage models, showing average cost for every trim level.

The chart below shows the average cost to insure the two models for drivers aged 20 to 50. For a 2023 GMC Terrain, average insurance cost ranges from $1,798 to $4,010 per year for the included age groups. A 2023 Kia Sportage costs from $2,018 to $4,614 to insure per year.

The next two tables display the expected annual car insurance cost by trim level for both 2023 models, along with the average rate for each model.

2022 GMC Terrain vs. Kia Sportage

For the 2022 model year, the cheaper model to insure on average is the GMC Terrain. Insurance on a GMC Terrain averages $1,966 per year, whereas a Kia Sportage averages $2,136 per year.

Within each different model, however, car insurance cost varies considerably depending on the trim level.

For a 2022 GMC Terrain, average insurance rates range from $1,878 per year for the SLE 2WD model up to $2,050 for the Denali AWD model. For a 2022 Kia Sportage, rates range from $1,992 per year for the LX model up to $2,322 for the SX Turbo model.

When comparing rates for both models from a trim-level perspective, the cheapest model and trim level to insure is the GMC Terrain SLE 2WD at a cost of $1,878 per year, and the overall most expensive vehicle to insure is the Kia Sportage SX Turbo costing an average of $2,322 per year.

For a 2022 GMC Terrain, the cheapest models are the SLE 2WD, SLE AWD, and SLT 2WD. The cheapest Kia Sportage models include the LX, Nightfall Edition, and EX. Insurance rates for all 2022 GMC Terrain and Kia Sportage models cost from $157 to $194 per month.

The rate table below compares the annual and monthly car insurance cost for 2022 GMC Terrain and Kia Sportage models, showing average cost by trim level for each model.

The chart shown below visualizes the average insurance cost for the two models for the 20, 30, 40, and 50-year-old driver age groups. The average cost of car insurance ranges from $1,748 to $3,912 per year on a 2022 GMC Terrain, and $1,906 to $4,348 on a 2022 Kia Sportage for the sample drivers in the chart

For the six trims available for the 2022 GMC Terrain, the cheapest trim level to insure is the SLE 2WD model at an average cost of $1,878 per year. Out of the four different trims available for the Kia Sportage, the cheapest 2022 model to insure is the LX trim at a cost of $1,992.

When comparing both models combined at a trim-level basis, the cheapest trim to buy insurance for is the GMC Terrain SLE 2WD at a cost of $1,878 per year. The most expensive model and trim level is the Kia Sportage SX Turbo costing $2,322 per year.

The next tables display the expected annual car insurance cost by trim level for both 2022 models, plus an average rate for each model. The winner for the 2022 car insurance cost comparison is the GMC Terrain.

2021 GMC Terrain vs. Kia Sportage

For the 2021 GMC Terrain and Kia Sportage models, the Kia Sportage has cheaper car insurance cost by an average of $98 per year.

The chart below shows the average cost to insure the two models rated for different driver ages. Average car insurance cost ranges from $1,664 to $3,736 per year for a 2021 GMC Terrain, and $1,578 to $3,598 for a 2021 Kia Sportage for these driver ages.

The 2021 GMC Terrain has seven trim levels available, with the cheapest trim to insure being the SL 2WD trim at an average cost of $1,698 per year. For the eight trim levels available for the Kia Sportage, the cheapest 2021 trim to insure is the LX 2WD model at a cost of $1,622 per year, or $135 per month.

When rates are compared for the 15 trim levels of both 2021 models, the cheapest model and trim level to insure is the Kia Sportage LX 2WD at an average cost of $1,622 per year. The most expensive model and trim level is the GMC Terrain Denali AWD costing an average of $1,998 per year.

The tables below illustrate all the available trims for both 2021 models, plus an average rate for each model. The model with the cheapest auto insurance rates for 2021 is the Kia Sportage.

2020 GMC Terrain vs. Kia Sportage

When comparing average insurance rates for the 2020 GMC Terrain and Kia Sportage models, the Kia Sportage is cheaper by $104 per year.

The rate chart below illustrates the average insurance cost for both models with different ages of drivers. For a 2020 GMC Terrain, average car insurance cost ranges from $1,626 to $3,646 per year for the five driver ages sampled in the chart. Full-coverage car insurance for a 2020 Kia Sportage ranges from $1,534 to $3,490 on average per year.

Out of seven GMC Terrain trim levels, the cheapest 2020 model to insure is the SL 2WD model at an average cost of $1,650 per year, or around $138 per month. The 2020 Kia Sportage has eight trim and option levels available, with the cheapest model to insure being the LX 2WD trim at an average cost of $1,576 per year, or $131 per month.

When comparing both models combined at a trim-level basis, the most affordable model and trim level to put coverage on is the Kia Sportage LX 2WD at an average rate of $1,576 per year, and the most expensive model and trim level is the GMC Terrain Denali AWD costing $1,958 per year.

The tables shown below illustrate both 2020 models and all trim levels available for each one, along with an average cost for each model.

2019 GMC Terrain vs. Kia Sportage

For 2019 GMC Terrain and Kia Sportage models, the Kia Sportage is cheaper to insure by an average of $30 per year.

The chart shown below illustrates the average car insurance cost for the two models for the 20 to 50-year-old driver age groups. The average cost of car insurance ranges from $1,676 to $3,780 per year on a 2019 GMC Terrain, and $1,648 to $3,770 for a 2019 Kia Sportage for the five driver ages sampled in the chart

Out of 11 trims for the 2019 GMC Terrain, the cheapest rates are on the SL 2WD model at a cost of $1,702 per year, or $142 per month.

For the six trim levels available for the Kia Sportage, the cheapest 2019 trim to insure is the LX 2WD trim at a cost of $1,692.

When rates for all 17 trim levels for both vehicles are compared, the lowest-cost model and trim to buy insurance for is the Kia Sportage LX 2WD at a cost of $1,692 per year. The overall most expensive vehicle to insure is the GMC Terrain Denali AWD costing an average of $2,000 per year.

The tables shown below illustrate average car insurance cost by trim level for a 2019 GMC Terrain and Kia Sportage, plus the average rate for each model.

2018 GMC Terrain vs. Kia Sportage

When comparing average insurance rates for 2018 models, a GMC Terrain costs an average of $1,804 per year to insure while a Kia Sportage costs $1,754, making the Kia Sportage cheaper to insure by $50 per year for this comparison year.

The following chart shows the average cost to insure both 2018 models for a range of driver ages. Insurance cost ranges from $1,608 to $3,620 per year on a 2018 GMC Terrain, and $1,566 to $3,572 on a 2018 Kia Sportage for the five different driver ages shown in the chart

For the 15 trims available for the 2018 GMC Terrain, the cheapest trim to insure is the SL 2WD model at an average cost of $1,636 per year, or around $136 per month. The 2018 Kia Sportage has six different trims available, with the cheapest trim to insure being the LX 2WD trim at an average cost of $1,626 per year, or about $136 per month.

When car insurance rates for all 21 trims of both models are combined and sorted by cost, the overall cheapest vehicle to put coverage on is the Kia Sportage LX 2WD at an average cost of $1,626 per year. The highest-cost model and trim is the GMC Terrain Denali AWD at an average of $1,916 per year.

The two tables below detail the average insurance cost by trim level for both 2018 models, along with an average cost for each model. The winner for the 2018 car insurance cost comparison is the Kia Sportage.

2017 GMC Terrain vs. Kia Sportage

When comparing car insurance rates for 2017 models, a GMC Terrain costs an average of $1,722 per year to insure while a Kia Sportage costs $1,686, making the Kia Sportage more affordable to insure by $36 per year for this comparison year.

The chart shown below displays the average cost to insure the two models rated for different driver ages. For a 2017 GMC Terrain, average insurance cost ranges from $1,538 to $3,454 per year. Auto insurance on a 2017 Kia Sportage ranges from $1,504 to $3,426 on average per year.

Out of seven GMC Terrain trim levels, the cheapest 2017 trim to insure is the SL 2WD trim at an average cost of $1,602 per year, or around $134 per month. The 2017 Kia Sportage has six trim options available, with the cheapest model to insure being the LX 2WD trim at an average cost of $1,570 per year, or about $131 per month.

When rates are compared for the 13 trim options of both 2017 models, the lowest-cost model and trim level to put coverage on is the Kia Sportage LX 2WD at a cost of $1,570 per year, and the overall most expensive vehicle to insure is the Kia Sportage SX 4WD at a cost of $1,836 per year.

The tables below break down all the available trims for both 2017 models, plus the average rate for each model. The cheapest to insure for the 2017 model year is the Kia Sportage.

2016 GMC Terrain vs. Kia Sportage

A 2016 GMC Terrain is $56 cheaper to insure per year on average than a 2016 Kia Sportage, a difference of 3.7%.

The chart below visualizes the average cost to insure the two models for the 20 to 50-year-old driver age groups. For a 2016 GMC Terrain, the average cost of car insurance ranges from $1,328 to $2,938 per year for the five age groups shown in the chart. Full-coverage insurance on a 2016 Kia Sportage costs from $1,382 to $3,076 on average per year.

The 2016 GMC Terrain has seven trims available, with the cheapest trim level to insure being the SL 2WD trim at an average cost of $1,326 per year.

For the six different trim levels available for the Kia Sportage, the cheapest 2016 trim to insure is the LX 2WD model at a cost of $1,458 per year, or around $122 per month.

When insurance rates for all 13 trim levels for both vehicles are compared, the most affordable model and trim level to buy insurance for is the GMC Terrain SL 2WD at an average cost of $1,326 per year, and the highest-cost model and trim level is the Kia Sportage SX 4WD at a cost of $1,650 per year.

The tables below break down trim level insurance rates for each 2016 model, plus the average rate for each model. The model with the cheapest average car insurance rates for 2016 is the GMC Terrain.

2015 GMC Terrain vs. Kia Sportage

When comparing insurance cost for 2015 models, the GMC Terrain costs an average of $1,438 per year to insure and the Kia Sportage costs $1,454, making the GMC Terrain the model with cheaper insurance by $16 for this comparison year.

The following chart visualizes the average car insurance cost for the two models with different ages of drivers. For a 2015 GMC Terrain, the average car insurance cost ranges from $1,288 to $2,882 per year for the driver ages used. Insurance on a 2015 Kia Sportage costs from $1,308 to $2,906 on average per year.

Out of six trim levels for the 2015 GMC Terrain, the cheapest average insurance prices are on the SLE 2WD model at a cost of $1,362 per year. Out of the six different trim levels available for the Kia Sportage, the cheapest 2015 trim level to insure is the LX 2WD model at a cost of $1,350 per year, or $113 per month.

When comparing combined rates for both models from a trim-level perspective, the lowest-cost model and trim level to put coverage on is the Kia Sportage LX 2WD at an average of $1,350 per year, and the most expensive trim is the GMC Terrain Denali AWD costing an average of $1,534 per year.

The two tables below illustrate average cost to insure each trim level for a 2015 GMC Terrain and Kia Sportage, along with the average rate for each model.

Additional GMC Terrain and Kia Sportage Resources

• GMC Terrain Insurance Cost
• Kia Sportage Insurance Cost
• Small SUV Insurance Cost Comparisons