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

• A 2024 Honda CR-V has cheaper overall car insurance rates than a 2024 Kia Sportage by an average of $304 per year, $2,046 compared to $2,350.
• The average monthly cost for full-coverage insurance on the Kia Sportage is 13.6% more than the Honda CR-V, at $196 versus $171, a difference of $25.
• With 47 models in the 2024 small SUV automotive segment, the Honda CR-V ranks 12^th and the Kia Sportage ranks 34^th for cheapest auto insurance.
• When compared to the national average car insurance rate of $2,276 per year, the Honda CR-V costs $230 less per year, while the Kia Sportage averages $74 more per year.

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

Insurance cost for a 2024 Honda CR-V averages $2,046 per year, while insurance for a 2024 Kia Sportage costs an average of $2,350 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 $1,942 per year, or around $162 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 $2,212.

When comparing rates by trim level for both models, the cheapest trim is the Honda CR-V LX at an average cost of $1,942 per year. The highest-cost model and trim level is the Kia Sportage X-Pro Prestige at a cost of $2,466 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.

The chart below demonstrates the average cost to insure both 2024 models with different ages of drivers. The average car insurance cost ranges from $1,814 to $4,112 per year for a 2024 Honda CR-V, and $2,092 to $4,772 for a 2024 Kia Sportage for the included age groups.

The next two tables illustrate the average cost to insure all 2024 trim levels, including the average rate for each model.

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 $1,976 per year, while insurance for the Kia Sportage averages $2,324 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 $1,914 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 $2,156.

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 $1,914 per year, and the most expensive model and trim level is the Kia Sportage X-Line Prestige Plug-in Hybrid costing an average of $2,492 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.

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 $1,754 to $4,014 per year for the age groups used in the chart. A 2023 Kia Sportage costs from $2,068 to $4,726 to insure per year.

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.

2022 Honda CR-V vs. Kia Sportage

Car insurance on a 2022 Honda CR-V costs an average of $1,918 per year, whereas a 2022 Kia Sportage averages $2,188 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 $1,802 per year for the LX model up to $2,046 for the Hybrid Touring model. For a 2022 Kia Sportage, rates range from $2,040 per year on the LX model up to $2,378 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 $1,802 per year. The most expensive model and trim level is the Kia Sportage SX Turbo costing an average of $2,378 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 $150 to $198 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.

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 $1,702 to $3,884 per year for a 2022 Honda CR-V, and $1,952 to $4,458 for a 2022 Kia Sportage for the five different driver ages shown in the chart

The 2022 Honda CR-V has eight trims available, with the cheapest trim to insure being the LX model at an average cost of $1,802 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 $2,040 per year, or $170 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 $1,802 per year. The highest-cost model and trim level is the Kia Sportage SX Turbo at an average of $2,378 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.

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 $1,534 to $3,488 per year for the age groups in the chart. A full-coverage policy for a 2021 Kia Sportage costs from $1,616 to $3,682 on average per year.

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 $1,622 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 $1,660 per year, or $138 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 $1,622 per year. The most expensive model and trim level is the Kia Sportage SX 4WD at an average cost of $1,990 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.

2020 Honda CR-V vs. Kia Sportage

When comparing average insurance rates for 2020 models, a Honda CR-V costs an average of $1,678 per year to insure while a Kia Sportage costs $1,764, making the Honda CR-V cheaper to insure by $86 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 $1,486 to $3,382 per year for a 2020 Honda CR-V, and $1,570 to $3,576 on a 2020 Kia Sportage for the different drivers illustrated in the chart

Out of eight trim levels for the 2020 Honda CR-V, the cheapest rates are on the EX 2WD model at a cost of $1,574 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 $1,614 per year, or about $135 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 $1,574 per year. The most expensive model and trim level is the Kia Sportage SX 4WD costing $1,930 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.

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 $334 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 $1,386 to $3,134 per year for the different drivers illustrated in the chart. Insurance for a 2019 Kia Sportage costs from $1,688 to $3,862 on average per year.

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 $1,482 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 $1,732.

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 $1,482 per year. The most expensive model and trim level is the Kia Sportage SX 4WD Turbo costing an average of $2,036 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.

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 $298 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 $1,334 to $3,010 per year on a 2018 Honda CR-V, and $1,604 to $3,658 on a 2018 Kia Sportage.

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 $1,420 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 $1,664 per year, or $139 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 $1,420 per year, and the highest-cost model and trim level is the Kia Sportage SX 4WD Turbo at an average cost of $1,942 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.

2017 Honda CR-V vs. Kia Sportage

When comparing insurance rates for 2017 models, the Honda CR-V costs an average of $1,438 per year for full coverage and the Kia Sportage costs $1,724, making the Honda CR-V the cheaper model by $286 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 $1,282 to $2,882 per year for the example age groups. Full-coverage car insurance on a 2017 Kia Sportage costs from $1,540 to $3,510 on average per year.

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 $1,366 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 $1,606 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 $1,366 per year, and the most expensive model and trim level is the Kia Sportage SX 4WD at a cost of $1,878 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.

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 $194 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 $1,242 to $2,744 per year for the five driver ages sampled in the chart. Insurance on a 2016 Kia Sportage costs from $1,414 to $3,154 on average per year.

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 $1,292 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 $1,492 per year, or about $124 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 $1,292 per year, and the most expensive vehicle to insure is the Kia Sportage SX 4WD at an average of $1,688 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.

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 $168 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 $1,186 to $2,622 per year for the five age groups shown in the chart. Auto insurance on a 2015 Kia Sportage ranges from $1,338 to $2,976 on average per year.

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 $1,234 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 $1,380.

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 $1,234 per year. The highest-cost model and trim is the Kia Sportage SX 4WD costing an average of $1,564 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.

Additional Honda CR-V and Kia Sportage Resources

• Honda CR-V Insurance Cost
• Kia Sportage Insurance Cost
• Small SUV Insurance Cost Comparisons