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

• A 2023 Honda CR-V has cheaper overall car insurance rates than a 2023 Kia Sportage by an average of $264 per year, $1,496 compared to $1,760.
• The average monthly cost for full-coverage insurance on the Kia Sportage is 15% more than the Honda CR-V, at $147 versus $125, a difference of $22.
• With 47 models in the 2023 small SUV automotive segment, the Honda CR-V ranks 13^th and the Kia Sportage ranks 38^th for cheapest auto insurance.
• When compared to the national average car insurance rate of $1,685 per year, the Honda CR-V costs $189 less per year, while the Kia Sportage averages $75 more per year.

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

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 $1,496 per year, while insurance for the Kia Sportage averages $1,760 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 $1,448 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 $1,632.

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 $1,448 per year, and the most expensive model and trim level is the Kia Sportage X-Line Prestige Plug-in Hybrid costing an average of $1,886 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 $1,366 to $2,992 per year for the age groups used in the chart. A 2023 Kia Sportage costs from $1,608 to $3,522 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 $1,450 per year, whereas a 2022 Kia Sportage averages $1,658 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 $1,366 per year for the LX model up to $1,546 for the Hybrid Touring model. For a 2022 Kia Sportage, rates range from $1,548 per year on the LX model up to $1,798 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 $1,366 per year. The most expensive model and trim level is the Kia Sportage SX Turbo costing an average of $1,798 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 $114 to $150 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 $1,326 to $2,896 per year for a 2022 Honda CR-V, and $1,518 to $3,326 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 $1,366 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 $1,548 per year, or $129 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 $1,366 per year. The highest-cost model and trim level is the Kia Sportage SX Turbo at an average of $1,798 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 $70 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 $1,190 to $2,596 per year for the age groups in the chart. A full-coverage policy for a 2021 Kia Sportage costs from $1,258 to $2,746 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 $1,224 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 $1,258 per year, or $105 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 $1,224 per year. The most expensive model and trim level is the Kia Sportage SX 4WD at an average cost of $1,502 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 $1,286 per year to insure while a Kia Sportage costs $1,356, making the Honda CR-V cheaper to insure by $70 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 $1,174 to $2,560 per year for a 2020 Honda CR-V, and $1,238 to $2,712 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 $1,208 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 $1,242 per year, or about $104 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 $1,208 per year. The most expensive model and trim level is the Kia Sportage SX 4WD costing $1,480 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 $266 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 $1,098 to $2,388 per year for the different drivers illustrated in the chart. Insurance for a 2019 Kia Sportage costs from $1,340 to $2,946 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 $1,146 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 $1,346.

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 $1,146 per year. The most expensive model and trim level is the Kia Sportage SX 4WD Turbo costing an average of $1,576 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 $240 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 $1,078 to $2,342 per year on a 2018 Honda CR-V, and $1,296 to $2,844 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 $1,114 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 $1,316 per year, or $110 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 $1,114 per year, and the highest-cost model and trim level is the Kia Sportage SX 4WD Turbo at an average cost of $1,530 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 $1,130 per year for full coverage and the Kia Sportage costs $1,364, making the Honda CR-V the cheaper model by $234 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 $1,032 to $2,238 per year for the example age groups. Full-coverage car insurance on a 2017 Kia Sportage costs from $1,246 to $2,734 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 $1,076 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 $1,274 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 $1,076 per year, and the most expensive model and trim level is the Kia Sportage SX 4WD at a cost of $1,482 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 $158 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 $1,020 to $2,204 per year for the five driver ages sampled in the chart. Insurance on a 2016 Kia Sportage costs from $1,162 to $2,526 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 $1,046 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 $1,210 per year, or about $101 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 $1,046 per year, and the most expensive vehicle to insure is the Kia Sportage SX 4WD at an average of $1,366 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 $142 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 $980 to $2,110 per year for the five age groups shown in the chart. Auto insurance on a 2015 Kia Sportage ranges from $1,106 to $2,392 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 $1,004 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 $1,128.

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 $1,004 per year. The highest-cost model and trim is the Kia Sportage SX 4WD costing an average of $1,272 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