Kia Sportage vs. Buick Encore Car Insurance Price Comparisons

• At an average cost of $2,350 per year, a 2024 Buick Encore costs less to insure than a 2024 Kia Sportage by an average of $312 per year.
• For a 2024 Kia Sportage, rates cost from $2,212 to $2,466 per year, while car insurance for a 2024 Buick Encore ranges from $1,964 to $2,150, depending on trim level and options.
• Out of 47 models in the 2024 small SUV category, the Kia Sportage ranks 34^th and the Buick Encore ranks 11^th for cheapest overall car insurance rates.

Is insurance cheaper for a Kia Sportage or Buick Encore?

For the 2024 model year, the cheapest model to insure is the Buick Encore. Insurance rates on a Kia Sportage cost an average of $2,350 per year, whereas the Buick Encore costs an average of $2,038 per year.

For the 10 trim levels available for the 2024 Kia Sportage, the cheapest trim level to insure is the LX model at an average cost of $2,212 per year, or around $184 per month.

The 2024 Buick Encore has six trim levels available, with the cheapest trim level to insure being the GX Preferred trim at an average cost of $1,964 per year.

When comparing rates by trim level for both models, the cheapest trim is the Buick Encore GX Preferred at a cost of $1,964 per year, and the highest-cost model and trim is the Kia Sportage X-Pro Prestige at an average of $2,466 per year.

The table below ranks the annual and monthly cost of car insurance for 2024 Kia Sportage and Buick Encore models, broken down by trim level.

The chart below visualizes the average cost to insure both models using different driver ages. For a 2024 Kia Sportage, insurance cost ranges from $2,092 to $4,772 per year for the illustrated age groups. A 2024 Buick Encore costs from $1,808 to $4,080 to insure per year.

The two tables below show average cost to insure each trim level for a 2024 Kia Sportage and Buick Encore, as well as an average rate for each model.

2023 Kia Sportage vs. Buick Encore

When comparing the Kia Sportage and Buick Encore for the 2023 model year, the model having cheaper average car insurance is the Buick Encore. Insurance rates for the Kia Sportage average $2,324 per year, whereas the Buick Encore costs an average of $1,858 per year.

For the 12 trims available for the 2023 Kia Sportage, the cheapest model to insure is the LX model at an average cost of $2,156 per year, or about $180 per month.

Out of the six trims available for the Buick Encore, the cheapest 2023 trim to insure is the GX Preferred trim at a cost of $1,768 per year, or $147 per month.

When trim-level rates for both models are compared, the cheapest vehicle to insure is the Buick Encore GX Preferred at an average of $1,768 per year. The most expensive trim is the Kia Sportage X-Line Prestige Plug-in Hybrid at a cost of $2,492 per year.

The table shown below compares the annual and monthly car insurance cost for 2023 Kia Sportage and Buick Encore models, showing average cost for each trim level.

The next chart illustrates the average cost to insure both 2023 models rated for different driver ages. For a 2023 Kia Sportage, the average cost of car insurance ranges from $2,068 to $4,726 per year for the illustrated age groups. A 2023 Buick Encore costs from $1,654 to $3,724 to insure per year.

The rate tables below show average car insurance rates for each trim level, plus an average rate for each model. The cheapest to insure for the 2023 model year is the Buick Encore.

2022 Kia Sportage vs. Buick Encore

For the 2022 model year, the model having the cheapest car insurance rates is the Buick Encore. Insurance rates on a Kia Sportage cost an average of $2,188 per year, while the Buick Encore averages $1,810 per year.

The exact cost of insurance can vary noticeably depending on the trim level, however. For example, on a 2022 Kia Sportage, average insurance rates range from the lowest rate of $2,040 per year for the LX model up to the highest rate of $2,378 for the SX Turbo model. For a 2022 Buick Encore, rates can range from $1,728 per year on the GX Select model up to $1,932 for the most expensive GX Essence AWD model.

The next table compares and ranks the cost of car insurance for 2022 Kia Sportage and Buick Encore models, showing average premium cost for each trim level.

The chart below shows the average insurance cost for both 2022 models rated for multiple driver ages. The average cost of full-coverage insurance ranges from $1,952 to $4,458 per year on a 2022 Kia Sportage, and $1,614 to $3,626 on a 2022 Buick Encore.

Out of four Kia Sportage trims, the cheapest 2022 trim level to insure is the LX trim at an average cost of $2,040 per year.

Out of the seven different option levels available for the Buick Encore, the most affordable 2022 trim level to insure is the GX Select model at a cost of $1,728 per year, or around $144 per month.

When comparing both models combined at a trim-level basis, the lowest-cost model and trim to buy insurance for is the Buick Encore GX Select at a cost of $1,728 per year. The most expensive trim is the Kia Sportage SX Turbo at an average of $2,378 per year.

The next two tables detail the average cost to insure all 2022 trim levels, plus the average rate for each model.

2021 Kia Sportage vs. Buick Encore

When comparing insurance rates for 2021 models, the Kia Sportage costs an average of $1,816 per year for a full-coverage policy and the Buick Encore costs $1,960, making the Kia Sportage the model with cheaper insurance by $144 for the 2021 comparison year.

The following chart demonstrates the average cost to insure the two models for drivers from age 20 to 50. For the 2021 Kia Sportage, average car insurance cost ranges from $1,616 to $3,682 per year for the age groups in the chart. Full-coverage car insurance for the 2021 Buick Encore costs from $1,744 to $3,968 on average per year.

Out of eight trim levels for a 2021 Kia Sportage, the lowest-cost rates are on the LX 2WD model at a cost of $1,660 per year.

For the nine different trims available for a Buick Encore, the lowest-cost 2021 trim package to insure is the 2WD model at a cost of $1,854.

When all 17 trims of both models are combined and compared, the overall cheapest vehicle to insure is the Kia Sportage LX 2WD at a cost of $1,660 per year. The most expensive trim is the Buick Encore GX Essence AWD costing an average of $2,076 per year.

The two tables below detail the expected annual car insurance cost by trim level for both 2021 models, including the average rate for each model. The 2021 Kia Sportage has more affordable average car insurance than the 2021 Buick Encore.

2020 Kia Sportage vs. Buick Encore

When comparing insurance rates for 2020 models, the Kia Sportage costs $1,764 per year to insure and the Buick Encore costs $1,844, making the Kia Sportage the model with cheaper insurance by $80 for 2020.

The chart shown below demonstrates the average cost to insure the two models for the 20, 30, 40, and 50-year-old driver age groups. For a 2020 Kia Sportage, average insurance cost ranges from $1,570 to $3,576 per year for the age groups included in the chart. Full-coverage insurance for the 2020 Buick Encore ranges from $1,646 to $3,704 on average per year.

Out of eight Kia Sportage trims, the most affordable 2020 model to insure is the LX 2WD model at an average cost of $1,614 per year. The 2020 Buick Encore has 14 trim options available, with the most affordable trim level to insure being the 2WD trim at an average cost of $1,642 per year.

When looking at the aggregated rates by trim level for both models, the lowest-cost model and trim level to buy insurance for is the Kia Sportage LX 2WD at an average of $1,614 per year, and the overall most expensive vehicle to insure is the Buick Encore GX Essence AWD costing an average of $2,054 per year.

The rate tables below detail both 2020 models and all trim levels available for each one, including the average rate for each model.

2019 Kia Sportage vs. Buick Encore

A 2019 Buick Encore costs $128 less per year to insure per year on average than a 2019 Kia Sportage, a difference of 7%.

The chart shown below demonstrates the average insurance cost for both models for drivers aged 20 to 50. Average full-coverage insurance ranges from $1,688 to $3,862 per year on the 2019 Kia Sportage, and $1,580 to $3,536 on the 2019 Buick Encore for the included driver ages.

The 2019 Kia Sportage has six trims available, with the cheapest trim to insure being the LX 2WD trim at an average cost of $1,732 per year, or around $144 per month.

For the 11 different option levels available for a Buick Encore, the most affordable 2019 trim to insure is the 2WD model at a cost of $1,638 per year, or $137 per month.

When car insurance rates for all 17 trim levels for both 2019 models are compared, the most affordable model and trim level to buy insurance for is the Buick Encore 2WD at an average rate of $1,638 per year. The highest-cost model and trim is the Kia Sportage SX 4WD Turbo costing an average of $2,036 per year.

The next tables show trim level insurance rates for each 2019 model, along with an average cost for each model. The winner for the 2019 car insurance battle is the Buick Encore.

2018 Kia Sportage vs. Buick Encore

When comparing average insurance rates for 2018 models, a Kia Sportage costs an average of $1,798 per year to insure while a Buick Encore costs $1,706, making the Buick Encore cheaper to insure by $92 per year.

The chart shown below demonstrates the average car insurance cost for both 2018 models rated for drivers aged 20 to 50. For a 2018 Kia Sportage, average insurance cost ranges from $1,604 to $3,658 per year for the age groups used in this illustration. Full-coverage insurance for the 2018 Buick Encore costs from $1,528 to $3,408 on average per year.

For the six trim levels available for the 2018 Kia Sportage, the cheapest trim level to insure is the LX 2WD trim at an average cost of $1,664 per year, or about $139 per month.

A 2018 Buick Encore has 17 trim levels available, with the most affordable trim to insure being the 2WD model at an average cost of $1,580 per year.

When rates are compared for the 23 different option levels of both 2018 models, the overall cheapest vehicle to buy insurance for is the Buick Encore 2WD at a cost of $1,580 per year. The most expensive model and trim level is the Kia Sportage SX 4WD Turbo at a cost of $1,942 per year.

The two tables below show the average insurance cost by trim level for both 2018 models, including the average rate for each model.

2017 Kia Sportage vs. Buick Encore

For the 2017 Kia Sportage and Buick Encore models, the Buick Encore is cheaper to insure by an average of $82 per year.

The next chart illustrates the average car insurance cost for both 2017 models for the 20 to 50-year-old driver age groups. For a 2017 Kia Sportage, the average cost of car insurance ranges from $1,540 to $3,510 per year for the age groups included in the chart. Full-coverage car insurance on the 2017 Buick Encore ranges from $1,474 to $3,284 on average per year.

A 2017 Kia Sportage has six trims available, with the lowest-cost model to insure being the LX 2WD model at an average cost of $1,606 per year, or $134 per month. For the 10 trims available for the Buick Encore, the lowest-cost 2017 model to insure is the 2WD model at a cost of $1,528 per year, or about $127 per month.

When comparing combined rates for both models from a trim-level perspective, the lowest-cost model and trim level to buy insurance for is the Buick Encore 2WD at an average rate of $1,528 per year, and the most expensive model and trim level is the Kia Sportage SX 4WD at an average of $1,878 per year.

The two tables below detail the expected annual car insurance cost by trim level for both 2017 models, along with the average rate for each model. The 2017 Buick Encore has lower-cost car average car insurance rates than the 2017 Kia Sportage.

2016 Kia Sportage vs. Buick Encore

When comparing insurance cost for the 2016 Kia Sportage and Buick Encore models, the Buick Encore is cheaper by an average of $166 per year for this comparison year.

The chart below displays the average insurance cost for the two models for a range of driver ages. For a 2016 Kia Sportage, insurance cost ranges from $1,414 to $3,154 per year for the different drivers illustrated in the chart. Full-coverage car insurance on a 2016 Buick Encore ranges from $1,258 to $2,780 on average per year.

A 2016 Kia Sportage has six trim levels available, with the most affordable trim to insure being the LX 2WD trim at an average cost of $1,492 per year.

For the 10 different trim levels available for a Buick Encore, the lowest-cost 2016 trim level to insure is the 2WD trim at a cost of $1,340 per year, or $112 per month.

When auto insurance rates for all 16 trim levels for the 2016 model year of both models are compared, the most affordable model and trim level to insure is the Buick Encore 2WD at an average rate of $1,340 per year, and the overall most expensive vehicle to insure is the Kia Sportage SX 4WD costing $1,688 per year.

The tables below detail trim level insurance rates for each 2016 model, along with an average cost for each model. The 2016 Buick Encore takes the win over the 2016 Kia Sportage for the cheapest average car insurance rates.

2015 Kia Sportage vs. Buick Encore

When comparing car insurance rates for the 2015 Kia Sportage and Buick Encore models, the Buick Encore has cheaper rates by $126 per year for 2015.

The following chart visualizes the average car insurance cost for both models rated for different driver ages. Insurance cost ranges from $1,338 to $2,976 per year for the 2015 Kia Sportage, and $1,216 to $2,696 for a 2015 Buick Encore.

A 2015 Kia Sportage has six trim levels available, with the lowest-cost model to insure being the LX 2WD trim at an average cost of $1,380 per year, or about $115 per month. Out of the eight trims available for a Buick Encore, the lowest-cost 2015 trim to insure is the 2WD trim at a cost of $1,304.

When comparing car insurance rates for both models by trim level, the lowest-cost model and trim to put coverage on is the Buick Encore 2WD at an average cost of $1,304 per year. The overall most expensive vehicle to insure is the Kia Sportage SX 4WD costing $1,564 per year.

The two tables below display the cost to insure the available trim levels for both 2015 models, along with an average cost for each model.

Additional Kia Sportage and Buick Encore Resources

• Kia Sportage Insurance Cost
• Buick Encore Insurance Cost
• Small SUV Insurance Cost Comparisons