Is it Cheaper to Insure a Honda CR-V or Kia Sportage?

We break down the cost to insure a Honda CR-V and a Kia Sportage to see which model has the cheapest car insurance quotes.

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  • A 2024 Honda CR-V has cheaper overall car insurance rates than a 2024 Kia Sportage by an average of $298 per year, $1,996 compared to $2,294.
  • The average monthly cost for full-coverage insurance on the Kia Sportage is 14% more than the Honda CR-V, at $191 versus $166, a difference of $25.
  • With 47 models in the 2024 small SUV automotive segment, the Honda CR-V ranks 12th and the Kia Sportage ranks 34th for cheapest auto insurance.
  • When compared to the national average car insurance rate of $2,221 per year, the Honda CR-V costs $225 less per year, while the Kia Sportage averages $73 more per year.

Does a Honda CR-V or Kia Sportage cost less to insure?

Insurance cost for a 2024 Honda CR-V averages $1,996 per year, while insurance for a 2024 Kia Sportage costs an average of $2,294 per year, making the Honda CR-V the cheapest to insure.

For the nine trim levels available for the 2024 Honda CR-V, the cheapest model to insure is the LX model at an average cost of $1,894 per year, or around $158 per month. For 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 comparing rates by trim level for both models, the cheapest trim is the Honda CR-V LX at an average cost of $1,894 per year. The highest-cost model and trim level is the Kia Sportage X-Pro Prestige at a cost of $2,408 per year.

The rate table below compares the 12-month and monthly car insurance cost for 2024 Honda CR-V and Kia Sportage models, with average rates for each vehicle.

2024 Model Year Honda CR-V vs. Kia Sportage Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,894$158
$1,932$161
$1,958$163
$1,992$166
$1,996$166
$2,016$168
$2,024$169
$2,046$171
$2,106$176
$2,158$180
$2,172$181
$2,220$185
$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 27, 2025

Annual and monthly insurance cost by trim level for a 2024 Honda CR-V and a 2024 Kia Sportage
Annual and monthly insurance cost by trim level for a 2024 Honda CR-V and a 2024 Kia Sportage

The chart below demonstrates the average cost to insure both 2024 models with different ages of drivers. The average car insurance cost ranges from $1,772 to $4,016 per year for a 2024 Honda CR-V, and $2,042 to $4,658 for a 2024 Kia Sportage for the included age groups.

Average car insurance premiums for 2024 Honda CR-V and Kia Sportage models for different driver ages.
Figure 1: Average car insurance premiums for 2024 Honda CR-V 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 Honda CR-V 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 Honda CR-V vs. Kia Sportage Insurance Cost
Driver Age Honda CR-V Kia Sportage
18-Year-Old$6,171$7,177
20-Year-Old$4,016$4,658
25-Year-Old$2,316$2,662
30-Year-Old$2,128$2,438
40-Year-Old$1,996$2,294
50-Year-Old$1,772$2,042
60-Year-Old$1,660$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 two tables illustrate the average cost to insure all 2024 trim levels, including the average rate for each model.

2024 Honda CR-V

$1,996

Insurance Rates by Trim Level for a 2024 Honda CR-V
2024 Honda CR-V TrimsRate
LX$1,894
LX AWD1,932
EX1,958
EX AWD1,992
Sport-L Hybrid1,996
EX-L2,016
Sport-L Hybrid AWD2,024
EX-L AWD2,046
Sport Touring Hybrid AWD2,106
2024 Honda CR-V Average Rate$1,996

2024 Kia Sportage

$2,294

Insurance Rates by Trim Level for 2024 Honda CR-V
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 Honda CR-V vs. Kia Sportage

For new CR-V and Sportage models, the model with cheaper average insurance rates is the Honda CR-V. Average car insurance rates for the Honda CR-V are $1,932 per year, while insurance for the Kia Sportage averages $2,270 per year.

Out of seven trims for the 2023 Honda CR-V, the cheapest insurance rates are on the EX model at a cost of $1,870 per year.

Out of the 12 trims available for the Kia Sportage, the cheapest 2023 model to insure is the LX model at a cost of $2,104.

When trim-level rates for both models are compared, the cheapest trim to insure is the Honda CR-V EX at an average rate of $1,870 per year, and the most expensive model and trim level is the Kia Sportage X-Line Prestige Plug-in Hybrid costing an average of $2,434 per year.

The next table compares the 12-month and monthly car insurance cost for 2023 Honda CR-V and Kia Sportage models, showing cost for each trim level of both models.

2023 Model Year Honda CR-V vs. Kia Sportage Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,870$156
$1,878$157
$1,900$158
$1,932$161
$1,940$162
$1,966$164
$2,032$169
$2,104$175
$2,142$179
$2,164$180
$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 Honda CR-V and a 2023 Kia Sportage
Annual and monthly insurance cost by trim level for a 2023 Honda CR-V and a 2023 Kia Sportage

The rate chart below displays the average cost to insure the two models for four different driver age groups. For a 2023 Honda CR-V, the average cost of car insurance ranges from $1,714 to $3,920 per year for the age groups used in the chart. A 2023 Kia Sportage costs from $2,018 to $4,614 to insure per year.

Average car insurance premiums for 2023 Honda CR-V and Kia Sportage models for different driver ages.
Figure 2: Average car insurance premiums for 2023 Honda CR-V and Kia Sportage models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2023 model year Honda CR-V 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 Honda CR-V vs. Kia Sportage Insurance Cost
Driver Age Honda CR-V Kia Sportage
18-Year-Old$6,048$7,110
20-Year-Old$3,920$4,614
25-Year-Old$2,242$2,634
30-Year-Old$2,056$2,410
40-Year-Old$1,932$2,270
50-Year-Old$1,714$2,018
60-Year-Old$1,608$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 26, 2025

The tables below illustrate the average cost to insure all 2023 trim levels, plus an average rate for each model. The 2023 Honda CR-V is the winner over the 2023 Kia Sportage for the cheapest overall car insurance rates.

2023 Honda CR-V

$1,932

Insurance Rates by Trim Level for a 2023 Honda CR-V
2023 Honda CR-V TrimsRate
EX$1,870
EX AWD1,878
Sport Hybrid1,900
EX-L1,932
Sport Hybrid AWD1,940
EX-L AWD1,966
Sport Touring Hybrid AWD2,032
2023 Honda CR-V Average Rate$1,932

2023 Kia Sportage

$2,270

Insurance Rates by Trim Level for 2023 Honda CR-V
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 Honda CR-V vs. Kia Sportage

Car insurance on a 2022 Honda CR-V costs an average of $1,872 per year, whereas a 2022 Kia Sportage averages $2,136 per year, making the Honda CR-V the winner with the cheapest average insurance rates.

Insurance rates vary greatly depending on the vehicle trim level, however. Using the Honda CR-V as an example, car insurance rates range from $1,760 per year for the LX model up to $1,998 for the Hybrid Touring model. For a 2022 Kia Sportage, rates range from $1,992 per year on the LX model up to $2,322 on the SX Turbo model.

When rates are compared for both models, the cheapest trim to insure is the Honda CR-V LX at an average rate of $1,760 per year. The most expensive model and trim level is the Kia Sportage SX Turbo costing an average of $2,322 per year.

For a 2022 Honda CR-V, the cheapest models are the LX, Special Edition, and EX. The cheapest Kia Sportage models include the LX, Nightfall Edition, and EX.

On a monthly basis, insurance rates for all 2022 Honda CR-V and Kia Sportage models and trims range from $147 to $194 per month.

The next table ranks the cost of car insurance for 2022 Honda CR-V and Kia Sportage models, with average rates for each vehicle.

2022 Model Year Honda CR-V vs. Kia Sportage Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,760$147
$1,772$148
$1,778$148
$1,866$156
$1,892$158
$1,932$161
$1,978$165
$1,992$166
$1,998$167
$2,106$176
$2,124$177
$2,322$194

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 2022 Honda CR-V and a 2022 Kia Sportage
Annual and monthly insurance cost by trim level for a 2022 Honda CR-V and a 2022 Kia Sportage

The rate chart below demonstrates the average insurance cost for the two models for drivers from age 20 to 50. Average insurance cost ranges from $1,662 to $3,792 per year for a 2022 Honda CR-V, and $1,906 to $4,348 for a 2022 Kia Sportage for the five different driver ages shown in the chart

Average car insurance premiums for 2022 Honda CR-V and Kia Sportage models for different driver ages.
Figure 3: Average car insurance premiums for 2022 Honda CR-V and Kia Sportage models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2022 model year Honda CR-V 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 Honda CR-V vs. Kia Sportage Insurance Cost
Driver Age Honda CR-V Kia Sportage
18-Year-Old$5,843$6,704
20-Year-Old$3,792$4,348
25-Year-Old$2,174$2,478
30-Year-Old$1,994$2,268
40-Year-Old$1,872$2,136
50-Year-Old$1,662$1,906
60-Year-Old$1,558$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 26, 2025

The 2022 Honda CR-V has eight trims available, with the cheapest trim to insure being the LX model at an average cost of $1,760 per year. Out of the four different option levels available for the Kia Sportage, the cheapest 2022 model to insure is the LX model at a cost of $1,992 per year, or $166 per month.

When rates for all 12 trim levels for both vehicles are compared, the cheapest vehicle to put coverage on is the Honda CR-V LX at a cost of $1,760 per year. The highest-cost model and trim level is the Kia Sportage SX Turbo at an average of $2,322 per year.

The tables shown below show the expected annual car insurance cost by trim level for both 2022 models, as well as an average rate for each model.

2022 Honda CR-V

$1,872

Insurance Rates by Trim Level for a 2022 Honda CR-V
2022 Honda CR-V TrimsRate
LX$1,760
Special Edition1,772
EX1,778
Hybrid EX1,866
EX-L1,892
Hybrid EX-L1,932
Touring1,978
Hybrid Touring1,998
2022 Honda CR-V Average Rate$1,872

2022 Kia Sportage

$2,136

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

2021 Honda CR-V vs. Kia Sportage

When comparing insurance cost for the 2021 Honda CR-V and Kia Sportage models, the Honda CR-V is cheaper to insure by an average of $86 per year for this model year.

The rate chart below illustrates the average cost to insure the two models using different driver ages. For a 2021 Honda CR-V, the average cost of car insurance ranges from $1,494 to $3,404 per year for the age groups in the chart. A full-coverage policy for a 2021 Kia Sportage costs from $1,578 to $3,598 on average per year.

Average car insurance premiums for 2021 Honda CR-V and Kia Sportage models for different driver ages.
Figure 4: Average car insurance premiums for 2021 Honda CR-V and Kia Sportage models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2021 model year Honda CR-V 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 Honda CR-V vs. Kia Sportage Insurance Cost
Driver Age Honda CR-V Kia Sportage
18-Year-Old$5,248$5,540
20-Year-Old$3,404$3,598
25-Year-Old$1,960$2,058
30-Year-Old$1,800$1,884
40-Year-Old$1,688$1,774
50-Year-Old$1,494$1,578
60-Year-Old$1,402$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 27, 2025

The 2021 Honda CR-V has eight trim levels available, with the cheapest trim level to insure being the EX 2WD model at an average cost of $1,582 per year.

The 2021 Kia Sportage has eight different option levels available, with the cheapest trim level to insure being the LX 2WD trim at an average cost of $1,622 per year, or $135 per month.

When all 16 trims of both models are combined and compared, the overall cheapest vehicle to insure is the Honda CR-V EX 2WD at an average of $1,582 per year. The most expensive model and trim level is the Kia Sportage SX 4WD at an average cost of $1,944 per year.

The next two rate tables show average car insurance cost by trim level for each 2021 model, including the average rate for each model. The winner for the 2021 car insurance battle is the Honda CR-V.

2021 Honda CR-V

$1,688

Insurance Rates by Trim Level for a 2021 Honda CR-V
2021 Honda CR-V TrimsRate
EX 2WD$1,582
LX 2WD1,582
LX 4WD1,628
EX 4WD1,648
EX-L 2WD1,712
EX-L 4WD1,712
Touring 2WD1,796
Touring 4WD1,842
2021 Honda CR-V Average Rate$1,688

2021 Kia Sportage

$1,774

Insurance Rates by Trim Level for 2021 Honda CR-V
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 Honda CR-V vs. Kia Sportage

When comparing average insurance rates for 2020 models, a Honda CR-V costs an average of $1,638 per year to insure while a Kia Sportage costs $1,722, making the Honda CR-V cheaper to insure by $84 per year for this model year.

The next chart displays the average insurance cost for the two models for the 20 to 50-year-old driver age groups. The average full-coverage insurance policy ranges from $1,450 to $3,298 per year for a 2020 Honda CR-V, and $1,534 to $3,490 on a 2020 Kia Sportage for the different drivers illustrated in the chart

Average car insurance premiums for 2020 Honda CR-V and Kia Sportage models for different driver ages.
Figure 5: Average car insurance premiums for 2020 Honda CR-V and Kia Sportage models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2020 model year Honda CR-V 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 Honda CR-V vs. Kia Sportage Insurance Cost
Driver Age Honda CR-V Kia Sportage
18-Year-Old$5,084$5,376
20-Year-Old$3,298$3,490
25-Year-Old$1,900$2,000
30-Year-Old$1,744$1,830
40-Year-Old$1,638$1,722
50-Year-Old$1,450$1,534
60-Year-Old$1,360$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 26, 2025

Out of eight trim levels for the 2020 Honda CR-V, the cheapest rates are on the EX 2WD model at a cost of $1,538 per year. The 2020 Kia Sportage has eight trims available, with the cheapest model to insure being the LX 2WD trim at an average cost of $1,576 per year, or about $131 per month.

When comparing car insurance rates for both models by trim level, the lowest-cost model and trim to buy insurance for is the Honda CR-V EX 2WD at an average rate of $1,538 per year. The most expensive model and trim level is the Kia Sportage SX 4WD costing $1,884 per year.

The next two rate tables detail average car insurance rates for each trim level, along with the average rate for each model. The 2020 Honda CR-V defeats the 2020 Kia Sportage for the cheapest average car insurance rates.

2020 Honda CR-V

$1,638

Insurance Rates by Trim Level for a 2020 Honda CR-V
2020 Honda CR-V TrimsRate
EX 2WD$1,538
LX 2WD1,538
LX 4WD1,580
EX 4WD1,598
EX-L 2WD1,660
EX-L 4WD1,660
Touring 2WD1,742
Touring 4WD1,784
2020 Honda CR-V Average Rate$1,638

2020 Kia Sportage

$1,722

Insurance Rates by Trim Level for 2020 Honda CR-V
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 Honda CR-V vs. Kia Sportage

For the 2019 Honda CR-V and Kia Sportage models, the Honda CR-V costs less to insure by $330 per year for this model year.

The rate chart below shows the average cost to insure both 2019 models for a range of driver ages. For a 2019 Honda CR-V, insurance cost ranges from $1,352 to $3,060 per year for the different drivers illustrated in the chart. Insurance for a 2019 Kia Sportage costs from $1,648 to $3,770 on average per year.

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

Data Methodology: Rates based on a 2019 model year Honda CR-V 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 Honda CR-V vs. Kia Sportage Insurance Cost
Driver Age Honda CR-V Kia Sportage
18-Year-Old$4,708$5,809
20-Year-Old$3,060$3,770
25-Year-Old$1,764$2,148
30-Year-Old$1,620$1,962
40-Year-Old$1,522$1,852
50-Year-Old$1,352$1,648
60-Year-Old$1,268$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

The 2019 Honda CR-V has eight trim levels available, with the cheapest trim level to insure being the EX 2WD trim at an average cost of $1,448 per year.

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

When looking at the aggregated rates by trim for both models, the lowest-cost model and trim level to buy insurance for is the Honda CR-V EX 2WD at an average rate of $1,448 per year. The most expensive model and trim level is the Kia Sportage SX 4WD Turbo costing an average of $1,988 per year.

The tables shown below display the cost to insure the available trim levels for both 2019 models, along with an average cost for each model. The winner for the 2019 car insurance battle is the Honda CR-V.

2019 Honda CR-V

$1,522

Insurance Rates by Trim Level for a 2019 Honda CR-V
2019 Honda CR-V TrimsRate
EX 2WD$1,448
LX 2WD1,448
LX 4WD1,448
EX 4WD1,508
EX-L 2WD1,508
EX-L 4WD1,568
Touring 2WD1,568
Touring 4WD1,686
2019 Honda CR-V Average Rate$1,522

2019 Kia Sportage

$1,852

Insurance Rates by Trim Level for 2019 Honda CR-V
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 Honda CR-V vs. Kia Sportage

When comparing average insurance rates for the 2018 Honda CR-V and Kia Sportage models, the Honda CR-V is cheaper to insure by an average of $290 per year for this comparison year.

The rate chart below visualizes the average cost to insure the two models for a range of driver ages. Average insurance cost ranges from $1,302 to $2,936 per year on a 2018 Honda CR-V, and $1,566 to $3,572 on a 2018 Kia Sportage.

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

Data Methodology: Rates based on a 2018 model year Honda CR-V 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 Honda CR-V vs. Kia Sportage Insurance Cost
Driver Age Honda CR-V Kia Sportage
18-Year-Old$4,512$5,496
20-Year-Old$2,936$3,572
25-Year-Old$1,696$2,038
30-Year-Old$1,558$1,860
40-Year-Old$1,464$1,754
50-Year-Old$1,302$1,566
60-Year-Old$1,218$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 10 trim levels for the 2018 Honda CR-V, the cheapest auto insurance rates are on the EX 2WD model at a cost of $1,384 per year.

Out of the six option levels available for the Kia Sportage, the cheapest 2018 trim to insure is the LX 2WD model at a cost of $1,626 per year, or $136 per month.

When rates for all 16 trims of both models are combined and sorted by cost, the lowest-cost model and trim level to put coverage on is the Honda CR-V EX 2WD at an average of $1,384 per year, and the highest-cost model and trim level is the Kia Sportage SX 4WD Turbo at an average cost of $1,896 per year.

The rate tables below detail both 2018 models and all trim levels available for each one, including an overall average cost for each model. The cheapest model to insure for the 2018 model year is the Honda CR-V.

2018 Honda CR-V

$1,464

Insurance Rates by Trim Level for a 2018 Honda CR-V
2018 Honda CR-V TrimsRate
EX 2WD$1,384
LX 2WD1,384
LX 4WD1,384
EX 4WD1,440
EX-L 2WD1,440
EX-L 4WD1,496
EX-L Navigation 2WD1,496
EX-L Navigation 4WD1,496
Touring 2WD1,496
Touring 4WD1,606
2018 Honda CR-V Average Rate$1,464

2018 Kia Sportage

$1,754

Insurance Rates by Trim Level for 2018 Honda CR-V
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 Honda CR-V vs. Kia Sportage

When comparing insurance rates for 2017 models, the Honda CR-V costs an average of $1,402 per year for full coverage and the Kia Sportage costs $1,686, making the Honda CR-V the cheaper model by $284 for this comparison year.

The rate chart below illustrates the average insurance cost for both models with different drivers at the wheel. For a 2017 Honda CR-V, average car insurance cost ranges from $1,250 to $2,812 per year for the example age groups. Full-coverage car insurance on a 2017 Kia Sportage costs from $1,504 to $3,426 on average per year.

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

Data Methodology: Rates based on a 2017 model year Honda CR-V 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 Honda CR-V vs. Kia Sportage Insurance Cost
Driver Age Honda CR-V Kia Sportage
18-Year-Old$4,319$5,269
20-Year-Old$2,812$3,426
25-Year-Old$1,626$1,954
30-Year-Old$1,492$1,782
40-Year-Old$1,402$1,686
50-Year-Old$1,250$1,504
60-Year-Old$1,170$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 10 Honda CR-V trim levels, the cheapest 2017 trim level to insure is the EX 2WD model at an average cost of $1,334 per year.

The 2017 Kia Sportage has six different option levels available, with the cheapest model to insure being the LX 2WD model at an average cost of $1,570 per year.

When trim-level rates for both models are compared, the cheapest model and trim level to put coverage on is the Honda CR-V EX 2WD at an average cost of $1,334 per year, and the most expensive model and trim level is the Kia Sportage SX 4WD at a cost of $1,836 per year.

The next two tables break down the expected annual car insurance cost by trim level for both 2017 models, as well as the overall average rate for each model.

2017 Honda CR-V

$1,402

Insurance Rates by Trim Level for a 2017 Honda CR-V
2017 Honda CR-V TrimsRate
EX 2WD$1,334
EX 4WD1,334
LX 2WD1,334
LX 4WD1,334
EX-L 2WD1,388
EX-L 4WD1,440
EX-L Navigation 2WD1,440
EX-L Navigation 4WD1,440
Touring 2WD1,440
Touring 4WD1,546
2017 Honda CR-V Average Rate$1,402

2017 Kia Sportage

$1,686

Insurance Rates by Trim Level for 2017 Honda CR-V
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 Honda CR-V vs. Kia Sportage

For 2016 Honda CR-V and Kia Sportage models, the Honda CR-V costs less to insure by $190 per year.

The chart shown below demonstrates the average car insurance cost for both 2016 models for different driver ages. For a 2016 Honda CR-V, the average car insurance cost ranges from $1,214 to $2,680 per year for the five driver ages sampled in the chart. Insurance on a 2016 Kia Sportage costs from $1,382 to $3,076 on average per year.

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

Data Methodology: Rates based on a 2016 model year Honda CR-V 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 Honda CR-V vs. Kia Sportage Insurance Cost
Driver Age Honda CR-V Kia Sportage
18-Year-Old$4,080$4,694
20-Year-Old$2,680$3,076
25-Year-Old$1,556$1,780
30-Year-Old$1,426$1,626
40-Year-Old$1,350$1,540
50-Year-Old$1,214$1,382
60-Year-Old$1,132$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

Out of 12 trim levels for the 2016 Honda CR-V, the cheapest auto insurance rates are on the LX 2WD model at a cost of $1,260 per year.

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

When comparing aggregated rates for both models from a trim-level perspective, the lowest-cost model and trim to put coverage on is the Honda CR-V LX 2WD at an average cost of $1,260 per year, and the most expensive vehicle to insure is the Kia Sportage SX 4WD at an average of $1,650 per year.

The next two rate tables illustrate average car insurance rates for every trim level for both 2016 models, as well as the overall average rate for each model. The 2016 Honda CR-V takes the win over the 2016 Kia Sportage for cheapest car insurance rates.

2016 Honda CR-V

$1,350

Insurance Rates by Trim Level for a 2016 Honda CR-V
2016 Honda CR-V TrimsRate
LX 2WD$1,260
EX 2WD1,310
EX 4WD1,310
LX 4WD1,310
SE 2WD1,310
SE 4WD1,310
EX-L 2WD1,358
EX-L 4WD1,358
EX-L Navigation 2WD1,358
EX-L Navigation 4WD1,406
Touring 2WD1,406
Touring 4WD1,504
2016 Honda CR-V Average Rate$1,350

2016 Kia Sportage

$1,540

Insurance Rates by Trim Level for 2016 Honda CR-V
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 Honda CR-V vs. Kia Sportage

For the 2015 Honda CR-V and Kia Sportage models, the Honda CR-V has cheaper car insurance cost by an average of $166 per year.

The next chart displays the average insurance cost for the two models rated for a variety of different driver ages. For a 2015 Honda CR-V, the average car insurance cost ranges from $1,160 to $2,560 per year for the five age groups shown in the chart. Auto insurance on a 2015 Kia Sportage ranges from $1,308 to $2,906 on average per year.

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

Data Methodology: Rates based on a 2015 model year Honda CR-V 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 Honda CR-V vs. Kia Sportage Insurance Cost
Driver Age Honda CR-V Kia Sportage
18-Year-Old$3,897$4,424
20-Year-Old$2,560$2,906
25-Year-Old$1,486$1,678
30-Year-Old$1,362$1,532
40-Year-Old$1,288$1,454
50-Year-Old$1,160$1,308
60-Year-Old$1,082$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

For the 10 trims available for the 2015 Honda CR-V, the cheapest trim to insure is the LX 2WD trim at an average cost of $1,206 per year. For the six different trim levels available for the Kia Sportage, the cheapest 2015 model to insure is the LX 2WD trim at a cost of $1,350.

When rates for all 16 trim levels for both vehicles are compared, the most affordable model and trim level to buy insurance for is the Honda CR-V LX 2WD at an average cost of $1,206 per year. The highest-cost model and trim is the Kia Sportage SX 4WD costing an average of $1,528 per year.

The rate tables below break down the average cost to insure all 2015 trim levels, along with the average rate for each model. The 2015 Honda CR-V has cheaper overall car insurance rates than the 2015 Kia Sportage.

2015 Honda CR-V

$1,288

Insurance Rates by Trim Level for a 2015 Honda CR-V
2015 Honda CR-V TrimsRate
LX 2WD$1,206
EX 2WD1,250
LX 4WD1,250
EX 4WD1,280
EX-L 2WD1,294
EX-L 4WD1,294
EX-L Navigation 2WD1,294
EX-L Navigation 4WD1,338
Touring 2WD1,338
Touring 4WD1,338
2015 Honda CR-V Average Rate$1,288

2015 Kia Sportage

$1,454

Insurance Rates by Trim Level for 2015 Honda CR-V
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 Honda CR-V and Kia Sportage Resources