Kia Sportage vs. Toyota RAV4 Insurance Cost

• A 2023 Toyota RAV4 has less-expensive car insurance than a 2023 Kia Sportage by an average of $126 per year, $1,760 compared to $1,634.
• For a 2023 Kia Sportage, average full-coverage car insurance rates range from $1,632 to $1,886 per year, while insurance on a 2023 Toyota RAV4 ranges from $1,468 to $1,830 for full-coverage.
• Out of 47 models in the 2023 small SUV segment, the Kia Sportage ranks 38^th and the Toyota RAV4 ranks 29^th for cheapest overall car insurance rates.

Is a Kia Sportage cheaper to insure than a 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 $1,760 per year, whereas insurance for a Toyota RAV4 averages $1,634 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 $1,632 per year, or around $136 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 $1,468 per year, or about $122 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 $1,468 per year. The overall most expensive vehicle to insure is the Kia Sportage X-Line Prestige Plug-in Hybrid costing an average of $1,886 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 $1,608 to $3,522 per year for a 2023 Kia Sportage, and $1,490 to $3,252 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 $1,658 per year to insure and a Toyota RAV4 costs $1,562, making the Toyota RAV4 cheaper to insure by $96 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 $1,518 to $3,326 per year for a 2022 Kia Sportage, and $1,426 to $3,114 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 $1,548 per year, or about $129 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 $1,446.

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 $1,446 per year. The most expensive model and trim level is the Kia Sportage SX Turbo at an average cost of $1,798 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 $194 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 $1,258 to $2,746 per year for a 2021 Kia Sportage, and $1,426 to $3,114 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 $1,258 per year, or $105 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 $1,436.

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 $1,258 per year. The most expensive vehicle to insure is the Toyota RAV4 Hybrid XSE AWD costing $1,666 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 $1,356 per year to insure and the Toyota RAV4 costs $1,546, making the Kia Sportage the winner by $190 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 $1,238 to $2,712 per year for the illustrated age groups. A 2020 Toyota RAV4 costs from $1,410 to $3,076 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 $1,242 per year, or around $104 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 $1,418 per year, or around $118 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 $1,242 per year. The overall most expensive vehicle to insure is the Toyota RAV4 Hybrid XSE AWD at an average of $1,642 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 $10 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 $1,340 to $2,946 per year for the age groups used in this illustration. A 2019 Toyota RAV4 costs from $1,330 to $2,898 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 $1,346 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 $1,356 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 $1,346 per year. The most expensive model and trim level is the Kia Sportage SX 4WD Turbo at an average of $1,576 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 $1,296 to $2,844 per year for the included driver ages. A 2018 Toyota RAV4 costs from $1,290 to $2,810 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 $1,316 per year, or $110 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 $1,324 per year, or about $110 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 $1,316 per year. The most expensive model and trim level is the Toyota RAV4 Platinum 4WD at an average of $1,544 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 $1,364 per year to insure and a Toyota RAV4 costs $1,384, making the Kia Sportage cheaper to insure by $20 per year.

The chart below visualizes the average cost to insure both models with different driver age groups. Average car insurance cost ranges from $1,246 to $2,734 per year for a 2017 Kia Sportage, and $1,262 to $2,746 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 $1,274 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 $1,282 per year, or about $107 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 $1,274 per year. The highest-cost model and trim level is the Toyota RAV4 Platinum AWD 4WD costing $1,488 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 $1,274 per year to insure and the Toyota RAV4 costs $1,320, making the Kia Sportage the winner by $46 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 $1,162 to $2,526 per year. A 2016 Toyota RAV4 costs from $1,208 to $2,624 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 $1,210 per year, or $101 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 $1,248.

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 $1,210 per year. The most expensive model and trim level is the Toyota RAV4 Hybrid Limited AWD at an average cost of $1,400 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 $1,212 per year to insure and the Toyota RAV4 costs $1,222, making the Kia Sportage the winner by $10 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 $1,106 to $2,392 per year for the driver ages used. A 2015 Toyota RAV4 costs from $1,116 to $2,412 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 $1,128 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 $1,164 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 $1,128 per year, and the highest-cost model and trim level is the Kia Sportage SX 4WD at an average of $1,272 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