Kia Sportage vs. Toyota RAV4 Insurance Cost

• A 2024 Toyota RAV4 has less-expensive car insurance than a 2024 Kia Sportage by an average of $132 per year, $2,294 compared to $2,162.
• For a 2024 Kia Sportage, average full-coverage car insurance rates range from $2,158 to $2,408 per year, while insurance on a 2024 Toyota RAV4 ranges from $1,908 to $2,546 for full-coverage.
• Out of 47 models in the 2024 small SUV segment, the Kia Sportage ranks 34^th and the Toyota RAV4 ranks 25^th for cheapest overall car insurance rates.

Is a Kia Sportage cheaper to insure than a Toyota RAV4?

For 2024 Sportage and RAV4 models, the cheapest to insure is the Toyota RAV4. Insurance on the Kia Sportage averages $2,294 per year, and insurance for a Toyota RAV4 averages $2,162 per year.

Out of 10 Kia Sportage trims, the cheapest 2024 model to insure is the LX trim at an average cost of $2,158 per year, or around $180 per month.

For the 19 trim levels available for the Toyota RAV4, the cheapest 2024 trim to insure is the LE AWD model at a cost of $1,908.

When trim-level rates for both models are compared, the overall cheapest vehicle to insure is the Toyota RAV4 LE AWD at an average rate of $1,908 per year, and the most expensive trim is the Toyota RAV4 Prime XSE AWD at an average cost of $2,546 per year.

The next table compares and ranks the cost of car insurance for 2024 Kia Sportage and Toyota RAV4 models, broken down by trim level.

The chart below shows the average cost to insure the two models for different driver ages. Insurance cost ranges from $2,042 to $4,658 per year for a 2024 Kia Sportage, and $1,920 to $4,342 for a 2024 Toyota RAV4 for the age groups used in this illustration.

The next two tables show trim level insurance cost averages for both 2024 models, as well as an average rate for each model. The winner for the 2024 car insurance battle is the Toyota RAV4.

2023 Kia Sportage vs. Toyota RAV4

When comparing the Kia Sportage and Toyota RAV4 for the 2023 model year, the model having the cheapest car insurance rates is the Toyota RAV4. Average car insurance rates for the Kia Sportage are $2,270 per year, whereas insurance for a Toyota RAV4 averages $2,112 per year.

For the 12 trims available for the 2023 Kia Sportage, the cheapest trim level to insure is the LX trim at an average cost of $2,104 per year, or around $175 per month.

Out of the 19 trim levels available for the Toyota RAV4, the cheapest 2023 trim to insure is the LE 2WD model at a cost of $1,896 per year, or about $158 per month.

When comparing car insurance rates for both models by trim level, the lowest-cost model and trim to insure is the Toyota RAV4 LE 2WD at a cost of $1,896 per year. The overall most expensive vehicle to insure is the Kia Sportage X-Line Prestige Plug-in Hybrid costing an average of $2,434 per year.

The next chart illustrates average Kia Sportage and Toyota RAV4 car insurance rates for 2023 models, grouped for drivers age 20 to 50.

The chart shown below displays the average cost to insure both models for the 20, 30, 40, and 50-year-old driver age groups. The average cost of car insurance ranges from $2,018 to $4,614 per year for a 2023 Kia Sportage, and $1,870 to $4,252 for a 2023 Toyota RAV4 for the age groups used in the chart.

The tables shown below illustrate the average cost to insure all 2023 trim levels, plus the average rate for each model. The winner for the 2023 car insurance rate comparison is the Toyota RAV4.

2022 Kia Sportage vs. Toyota RAV4

When comparing insurance cost for 2022 models, a Kia Sportage costs an average of $2,136 per year to insure and a Toyota RAV4 costs $2,018, making the Toyota RAV4 cheaper to insure by $118 per year for this model year.

The chart below shows the average cost to insure both 2022 models rated for different driver ages. Average car insurance cost ranges from $1,906 to $4,348 per year for a 2022 Kia Sportage, and $1,788 to $4,076 for a 2022 Toyota RAV4 for the age groups used in the chart.

The 2022 Kia Sportage has four trim levels available, with the cheapest trim to insure being the LX trim at an average cost of $1,992 per year, or about $166 per month. Out of the 18 trims available for the Toyota RAV4, the cheapest 2022 model to insure is the LE 2WD trim at a cost of $1,866.

When rates for all 22 trim levels for both vehicles are compared, the overall cheapest vehicle to insure is the Toyota RAV4 LE 2WD at an average rate of $1,866 per year. The most expensive model and trim level is the Kia Sportage SX Turbo at an average cost of $2,322 per year.

The two tables below show average cost to insure each trim level for a 2022 Kia Sportage and Toyota RAV4, plus an average rate for each model. The winner for the 2022 car insurance battle is the Toyota RAV4.

2021 Kia Sportage vs. Toyota RAV4

For the 2021 Kia Sportage and Toyota RAV4 models, the Kia Sportage has cheaper car insurance rates by an average of $246 per year.

The rate chart below demonstrates the average cost to insure both models rated for drivers aged 20 to 50. Average insurance cost ranges from $1,578 to $3,598 per year for a 2021 Kia Sportage, and $1,796 to $4,068 for a 2021 Toyota RAV4 for the included driver ages.

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

Out of the 12 trims available for the Toyota RAV4, the cheapest 2021 model to insure is the LE 2WD trim at a cost of $1,846.

When auto insurance rates for all 20 trims of both models are combined and sorted by cost, the cheapest model and trim level to insure is the Kia Sportage LX 2WD at an average of $1,622 per year. The most expensive vehicle to insure is the Toyota RAV4 Hybrid XSE AWD costing $2,150 per year.

The two tables below show average car insurance cost by trim level for a 2021 Kia Sportage and Toyota RAV4, including an overall average rate.

2020 Kia Sportage vs. Toyota RAV4

When comparing car insurance rates for 2020 models, the Kia Sportage costs an average of $1,722 per year to insure and the Toyota RAV4 costs $1,962, making the Kia Sportage the winner by $240 for 2020.

The chart shown below illustrates the average cost to insure both models for the 20, 30, 40, and 50-year-old driver age groups. For a 2020 Kia Sportage, the average car insurance cost ranges from $1,534 to $3,490 per year for the illustrated age groups. A 2020 Toyota RAV4 costs from $1,746 to $3,952 to insure per year.

Out of eight Kia Sportage trims, the cheapest 2020 model to insure is the LX 2WD trim at an average cost of $1,576 per year, or around $131 per month. The 2020 Toyota RAV4 has 12 trim levels available, with the cheapest trim to insure being the LE 2WD trim at an average cost of $1,798 per year, or around $150 per month.

When comparing both models at a trim-level basis, the overall cheapest vehicle to insure is the Kia Sportage LX 2WD at an average of $1,576 per year. The overall most expensive vehicle to insure is the Toyota RAV4 Hybrid XSE AWD at an average of $2,086 per year.

The next tables show average cost to insure each trim level for a 2020 Kia Sportage and Toyota RAV4, including an overall average rate.

2019 Kia Sportage vs. Toyota RAV4

For 2019 Kia Sportage and Toyota RAV4 models, the Toyota RAV4 is cheaper to insure by an average of $14 per year.

The chart below displays the average cost to insure both 2019 models for drivers aged 20 to 50. For a 2019 Kia Sportage, insurance cost ranges from $1,648 to $3,770 per year for the age groups used in this illustration. A 2019 Toyota RAV4 costs from $1,638 to $3,702 to insure per year.

Out of six Kia Sportage trim levels, the cheapest 2019 trim to insure is the LX 2WD trim at an average cost of $1,692 per year.

The 2019 Toyota RAV4 has 13 trims available, with the cheapest trim to insure being the LE 2WD trim at an average cost of $1,702 per year.

When comparing both models at a trim-level basis, the cheapest model and trim level to insure is the Kia Sportage LX 2WD at an average of $1,692 per year. The most expensive model and trim level is the Kia Sportage SX 4WD Turbo at an average of $1,988 per year.

The next two rate tables display the average cost to insure all 2019 trim levels, as well as the overall average rate for each model. The 2019 Toyota RAV4 comes out with a win over the 2019 Kia Sportage for cheapest car insurance rates.

2018 Kia Sportage vs. Toyota RAV4

For 2018 Kia Sportage and Toyota RAV4 models, the Toyota RAV4 has cheaper car insurance rates by an average of $4 per year for this comparison year.

The next chart illustrates the average cost to insure both 2018 models rated for different driver ages. For a 2018 Kia Sportage, average car insurance cost ranges from $1,566 to $3,572 per year for the included driver ages. A 2018 Toyota RAV4 costs from $1,562 to $3,514 to insure per year.

The 2018 Kia Sportage has six trim levels available, with the cheapest model to insure being the LX 2WD model at an average cost of $1,626 per year, or $136 per month.

The 2018 Toyota RAV4 has 16 trims available, with the cheapest model to insure being the LE 2WD trim at an average cost of $1,636 per year, or about $136 per month.

When looking at the aggregated rates by trim for both models, the cheapest trim to insure is the Kia Sportage LX 2WD at a cost of $1,626 per year. The most expensive model and trim level is the Toyota RAV4 Platinum 4WD at an average of $1,916 per year.

The rate tables below display average car insurance rates for every trim level for both 2018 models, along with an average cost for each model.

2017 Kia Sportage vs. Toyota RAV4

When comparing insurance rates for 2017 models, a Kia Sportage costs an average of $1,686 per year to insure and a Toyota RAV4 costs $1,712, making the Kia Sportage cheaper to insure by $26 per year.

The chart below visualizes the average cost to insure both models with different driver age groups. Average car insurance cost ranges from $1,504 to $3,426 per year for a 2017 Kia Sportage, and $1,532 to $3,440 for a 2017 Toyota RAV4 for these driver ages.

Out of six Kia Sportage trim levels, the cheapest 2017 trim to insure is the LX 2WD model at an average cost of $1,570 per year.

Out of the 12 trim levels available for the Toyota RAV4, the cheapest 2017 model to insure is the LE 2WD trim at a cost of $1,584 per year, or about $132 per month.

When all 18 trims of both models are combined and compared, the most affordable model and trim level to insure is the Kia Sportage LX 2WD at a cost of $1,570 per year. The highest-cost model and trim level is the Toyota RAV4 Platinum AWD 4WD costing $1,846 per year.

The tables below illustrate the expected annual car insurance cost by trim level for both 2017 models, as well as an average rate for each model. The model with the cheapest average car insurance rates for 2017 is the Kia Sportage.

2016 Kia Sportage vs. Toyota RAV4

When comparing average insurance cost for 2016 models, the Kia Sportage costs an average of $1,540 per year to insure and the Toyota RAV4 costs $1,598, making the Kia Sportage the winner by $58 for this model year.

The chart below visualizes the average cost to insure both models rated for different driver ages. For a 2016 Kia Sportage, the average car insurance cost ranges from $1,382 to $3,076 per year. A 2016 Toyota RAV4 costs from $1,430 to $3,194 to insure per year.

Out of six Kia Sportage trims, the cheapest 2016 trim level to insure is the LX 2WD model at an average cost of $1,458 per year, or $122 per month.

For the 10 trim levels available for the Toyota RAV4, the cheapest 2016 trim level to insure is the LE 2WD model at a cost of $1,506.

When all 16 trims of both models are combined and compared, the cheapest vehicle to insure is the Kia Sportage LX 2WD at an average cost of $1,458 per year. The most expensive model and trim level is the Toyota RAV4 Hybrid Limited AWD at an average cost of $1,698 per year.

The next tables display the average cost to insure each trim level for a 2016 Kia Sportage and Toyota RAV4, including the average rate for each model. The cheapest model to insure for the 2016 model year is the Kia Sportage.

2015 Kia Sportage vs. Toyota RAV4

When comparing average insurance cost for 2015 models, the Kia Sportage costs an average of $1,454 per year to insure and the Toyota RAV4 costs $1,466, making the Kia Sportage the winner by $12 for the 2015 comparison year.

The next chart demonstrates the average cost to insure both 2015 models for four different driver age groups. For a 2015 Kia Sportage, average car insurance cost ranges from $1,308 to $2,906 per year for the driver ages used. A 2015 Toyota RAV4 costs from $1,318 to $2,930 to insure per year.

Out of six Kia Sportage trim levels, the cheapest 2015 trim to insure is the LX 2WD model at an average cost of $1,350 per year. The 2015 Toyota RAV4 has six trims available, with the cheapest trim to insure being the LE 2WD model at an average cost of $1,394 per year.

When insurance prices for all 12 trims of both models are combined and sorted by cost, the cheapest vehicle to insure is the Kia Sportage LX 2WD at an average rate of $1,350 per year, and the highest-cost model and trim level is the Kia Sportage SX 4WD at an average of $1,528 per year.

The tables shown below show trim level insurance rates for each 2015 model, as well as the overall average rate for each model. The cheapest model to insure for the 2015 model year is the Kia Sportage.

Additional Kia Sportage and Toyota RAV4 Resources

• Kia Sportage Insurance Rates
• Toyota RAV4 Insurance Rates
• Small SUV Insurance Rate Comparisons