Insurance Cost Comparison: Subaru Forester vs. Kia Sportage

• For the latest model year, a Subaru Forester has more affordable car insurance rates than a Kia Sportage by $166 per year.
• The Subaru Forester averages 18.4% less per year than the 2024 model year average cost of car insurance in the U.S. of $2,034, while the Kia Sportage costs an average of 9% less per year.
• For a 2024 model year Subaru Forester, auto insurance prices range from $1,572 to $1,780 per year, while the average insurance rate for a 2024 Kia Sportage costs from $1,748 to $1,950.

Is insurance cheaper on a Subaru Forester or Kia Sportage?

For 2024 Subaru Forester and Kia Sportage models, the model with cheaper average insurance rates is the Subaru Forester. Insurance cost for the Subaru Forester averages $1,692 per year, while the Kia Sportage costs an average of $1,858 per year.

For the six trim levels available for the 2024 Subaru Forester, the cheapest model to insure is the Base trim at an average cost of $1,572 per year, or $131 per month.

For the 10 trims available for the Kia Sportage, the cheapest 2024 trim level to insure is the LX trim at a cost of $1,748.

When comparing car insurance rates for both models by trim level, the cheapest vehicle to insure is the Subaru Forester Base at a cost of $1,572 per year. The most expensive model and trim level is the Kia Sportage X-Pro Prestige costing an average of $1,950 per year.

The next table compares and ranks the yearly and monthly cost of car insurance for 2024 Subaru Forester and Kia Sportage models, with average rates for each trim level.

The rate chart below demonstrates the average cost to insure both models rated for a variety of different driver ages. For a 2024 Subaru Forester, insurance cost ranges from $1,492 to $3,476 per year for the driver ages used. A 2024 Kia Sportage costs from $1,654 to $3,774 to insure per year.

The two tables below display the expected annual car insurance cost by trim level for both 2024 models, along with an average cost for each model. The 2024 Subaru Forester has more affordable average car insurance rates than the 2024 Kia Sportage.

2023 Subaru Forester vs. Kia Sportage

For 2023, the model having cheaper average car insurance is the Subaru Forester. Insurance rates on a Subaru Forester cost an average of $1,562 per year, and the Kia Sportage costs an average of $1,838 per year.

The table shown below compares the annual and monthly car insurance costs for 2023 Subaru Forester and Kia Sportage models, showing the average insurance quote for each trim level for both models.

For pre-2023 models, national average insurance prices for a Forester and Sportage compare as shown below. Click on any linked model year to view the full rate comparisons.

• Cheapest 2022 Model – Subaru Forester ($1,504 vs. Kia Sportage at $1,730)
• Cheapest 2021 Model – Kia Sportage ($1,436 vs. Subaru Forester at $1,496)
• Cheapest 2020 Model – Kia Sportage ($1,396 vs. Subaru Forester at $1,452)
• Cheapest 2019 Model – Subaru Forester ($1,380 vs. Kia Sportage at $1,498)
• Cheapest 2018 Model – Subaru Forester ($1,316 vs. Kia Sportage at $1,420)
• Cheapest 2017 Model – Subaru Forester ($1,268 vs. Kia Sportage at $1,364)
• Cheapest 2016 Model – Kia Sportage ($1,248 vs. Subaru Forester at $1,262)
• Cheapest 2015 Model – Kia Sportage ($1,178 vs. Subaru Forester at $1,192)

The rate chart below visualizes the average car insurance cost for both models rated for multiple driver ages. For the 2023 Subaru Forester, the average cost of car insurance ranges from $1,370 to $3,196 per year for the driver examples in the chart. Full-coverage insurance for a 2023 Kia Sportage costs from $1,636 to $3,736 on average per year.

Out of six Subaru Forester trims, the lowest-cost 2023 trim to insure is the Base AWD trim at an average cost of $1,444 per year. Out of the 12 option levels available for a Kia Sportage, the cheapest 2023 trim to insure is the LX trim at a cost of $1,704 per year, or about $142 per month.

When trim-level rates for both models are compared, the lowest-cost model and trim to insure is the Subaru Forester Base AWD at an average cost of $1,444 per year, and the most expensive model and trim level is the Kia Sportage X-Line Prestige Plug-in Hybrid costing $1,972 per year.

The tables below display average car insurance cost by trim level for a 2023 Subaru Forester and Kia Sportage, as well as the overall average rate for each model.

2022 Subaru Forester vs. Kia Sportage

When comparing insurance cost for 2022 models, a Subaru Forester costs an average of $1,504 per year to insure and a Kia Sportage costs $1,730, making the Subaru Forester more affordable to insure by $226 per year.

The rate chart below shows the average cost to insure both models with different ages of drivers. For a 2022 Subaru Forester, the average cost of car insurance ranges from $1,320 to $3,062 per year for the five age groups shown in the chart. Car insurance for a 2022 Kia Sportage costs from $1,544 to $3,524 on average per year.

A 2022 Subaru Forester has six trims available, with the most affordable model to insure being the AWD trim at an average cost of $1,412 per year. For the four trim levels available for a Kia Sportage, the cheapest 2022 trim level to insure is the LX model at a cost of $1,614.

When comparing car insurance rates for both models by trim level, the cheapest trim to put coverage on is the Subaru Forester AWD at a cost of $1,412 per year, and the most expensive model and trim level is the Kia Sportage SX Turbo at an average cost of $1,882 per year.

The rate tables below illustrate the expected annual car insurance cost by trim level for both 2022 models, including an overall average rate. The 2022 Subaru Forester has cheaper average car insurance rates than the 2022 Kia Sportage.

2021 Subaru Forester vs. Kia Sportage

For 2021 Subaru Forester and Kia Sportage models, the Kia Sportage is cheaper to insure by an average of $60 per year.

The chart shown below visualizes the average cost to insure both 2021 models for a range of driver ages. The average car insurance cost ranges from $1,322 to $3,062 per year for a 2021 Subaru Forester, and $1,278 to $2,916 on a 2021 Kia Sportage for the five different driver ages shown in the chart.

The 2021 Subaru Forester has six trim levels available, with the cheapest trim to insure being the AWD trim at an average cost of $1,430 per year.

A 2021 Kia Sportage has eight trim levels available, with the cheapest trim to insure being the LX 2WD trim at an average cost of $1,312 per year.

When comparing 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 $1,312 per year, and the most expensive model and trim level is the Subaru Forester Touring AWD costing $1,602 per year.

The next tables display average car insurance rates for each trim level, plus an average rate for each model. The 2021 Kia Sportage has lower-cost car average car insurance rates than the 2021 Subaru Forester.

2020 Subaru Forester vs. Kia Sportage

For 2020 Subaru Forester and Kia Sportage models, the Kia Sportage has cheaper car insurance rates by an average of $56 per year.

The next chart visualizes the average insurance cost for both models rated for multiple driver ages. For a 2020 Subaru Forester, the average car insurance cost ranges from $1,284 to $2,974 per year for the five driver ages sampled in the chart. Insurance for a 2020 Kia Sportage costs from $1,242 to $2,830 on average per year.

For the six trim levels available for a 2020 Subaru Forester, the cheapest trim to insure is the AWD model at an average cost of $1,388 per year, or $116 per month.

For the eight option levels available for a Kia Sportage, the lowest-cost 2020 trim package to insure is the LX 2WD model at a cost of $1,276 per year, or $106 per month.

When comparing rates by trim level for both models, the lowest-cost model and trim level to insure is the Kia Sportage LX 2WD at an average of $1,276 per year, and the most expensive trim is the Subaru Forester Touring AWD costing $1,562 per year.

The tables below display all the available trims for both 2020 models, along with the average rate for each model. The winner for the 2020 car insurance cost comparison is the Kia Sportage.

2019 Subaru Forester vs. Kia Sportage

For 2019 Subaru Forester and Kia Sportage models, the Subaru Forester has lower-cost car insurance by $118 per year for this model year.

The chart below visualizes the average insurance cost for the two models for the 20, 30, 40, and 50-year-old driver age groups. For the 2019 Subaru Forester, insurance cost ranges from $1,222 to $2,820 per year for the different drivers illustrated in the chart. Car insurance for a 2019 Kia Sportage costs from $1,336 to $3,056 on average per year.

Out of 10 Subaru Forester trims, the cheapest 2019 trim to insure is the 2 AWD model at an average cost of $1,310 per year.

For the six option levels available for the Kia Sportage, the most affordable 2019 trim to insure is the LX 2WD trim at a cost of $1,370.

When rates are compared for the 16 trims of both 2019 models, the overall cheapest vehicle to insure is the Subaru Forester 2 AWD at a cost of $1,310 per year, and the highest-cost model and trim level is the Kia Sportage SX 4WD Turbo costing an average of $1,610 per year.

The tables below show all the available trims for both 2019 models, along with the average rate for each model. The cheapest to insure for the 2019 model year is the Subaru Forester.

2018 Subaru Forester vs. Kia Sportage

When comparing insurance cost for 2018 models, a Subaru Forester costs an average of $1,316 per year to insure and a Kia Sportage costs $1,420, making the Subaru Forester cheaper to insure by $104 per year.

The chart shown below displays the average cost to insure both 2018 models using different driver ages. Insurance cost ranges from $1,168 to $2,682 per year for the 2018 Subaru Forester, and $1,270 to $2,894 on a 2018 Kia Sportage for the age groups used in the chart.

For the six trim levels available for a 2018 Subaru Forester, the most affordable trim level to insure is the 2.5I AWD model at an average cost of $1,210 per year. The 2018 Kia Sportage has six trims available, with the lowest-cost model to insure being the LX 2WD trim at an average cost of $1,318 per year, or $110 per month.

When rates for all 12 trim levels for both vehicles are combined and compared, the cheapest vehicle to put coverage on is the Subaru Forester 2.5I AWD at an average rate of $1,210 per year. The most expensive model and trim level is the Kia Sportage SX 4WD Turbo costing an average of $1,536 per year.

The next two tables illustrate all the available trims for both 2018 models, along with an average cost for each model. The winner for the 2018 car insurance battle is the Subaru Forester.

2017 Subaru Forester vs. Kia Sportage

When comparing car insurance rates for the 2017 Subaru Forester and Kia Sportage models, the Subaru Forester has cheaper rates by $96 per year.

The chart shown below displays the average car insurance cost for both models with different driver age groups. For the 2017 Subaru Forester, the average cost of car insurance ranges from $1,124 to $2,580 per year for the age groups in the chart. Insurance for a 2017 Kia Sportage costs from $1,220 to $2,776 on average per year.

For the 13 trims available for the 2017 Subaru Forester, the cheapest trim level to insure is the 2.5I AWD model at an average cost of $1,158 per year.

Out of the six trim options available for a Kia Sportage, the lowest-cost 2017 trim to insure is the LX 2WD model at a cost of $1,270 per year, or $106 per month.

When comparing car insurance rates for both models by trim level, the lowest-cost model and trim to insure is the Subaru Forester 2.5I AWD at a cost of $1,158 per year, and the most expensive model and trim level is the Kia Sportage SX 4WD at an average of $1,484 per year.

The next two tables show the average insurance cost by trim level for both 2017 models, including an overall average cost for each model. The cheapest of the two models to insure for the 2017 model year is the Subaru Forester.

2016 Subaru Forester vs. Kia Sportage

When comparing insurance cost for 2016 models, a Subaru Forester costs an average of $1,262 per year to insure and a Kia Sportage costs $1,248, making the Kia Sportage cheaper to insure by $14 per year for 2016.

The chart below shows the average car insurance cost for the two models with different drivers at the wheel. For the 2016 Subaru Forester, the average cost of car insurance ranges from $1,126 to $2,550 per year for the five age groups shown in the chart. Auto insurance for a 2016 Kia Sportage ranges from $1,122 to $2,496 on average per year.

Out of 13 Subaru Forester trim levels, the most affordable 2016 trim level to insure is the 2.5I AWD model at an average cost of $1,154 per year. Out of the six different trim levels available for a Kia Sportage, the most affordable 2016 trim level to insure is the LX 2WD trim at a cost of $1,180 per year, or $98 per month.

When comparing aggregated rates for both models from a trim-level perspective, the lowest-cost model and trim to buy insurance for is the Subaru Forester 2.5I AWD at an average rate of $1,154 per year. The most expensive model and trim level is the Kia Sportage SX 4WD costing $1,338 per year.

The next tables illustrate the average insurance cost by trim level for both 2016 models, including an overall average cost for each model. The winner for the 2016 car insurance comparison is the Kia Sportage.

2015 Subaru Forester vs. Kia Sportage

For the 2015 Subaru Forester and Kia Sportage models, the Kia Sportage has cheaper car insurance cost by an average of $14 per year.

The chart below shows the average cost to insure both 2015 models with different drivers at the wheel. For a 2015 Subaru Forester, the average insurance cost ranges from $1,064 to $2,406 per year for the illustrated age groups. Insurance on a 2015 Kia Sportage ranges from $1,060 to $2,352 on average per year.

A 2015 Subaru Forester has 13 trims available, with the lowest-cost trim to insure being the 2.5I AWD trim at an average cost of $1,098 per year, or around $92 per month.

Out of the six trim levels available for the Kia Sportage, the cheapest 2015 trim level to insure is the LX 2WD model at a cost of $1,092 per year, or around $91 per month.

When all 19 trims of both models are combined and compared, the cheapest model and trim level to buy insurance for is the Kia Sportage LX 2WD at an average of $1,092 per year. The highest-cost model and trim is the Subaru Forester 2.0XT Touring AWD at an average cost of $1,256 per year.

The tables below display both 2015 models and all trim levels available for each one, along with an average cost for each model.

Additional Subaru Forester and Kia Sportage Resources

• Subaru Forester Insurance Cost
• Kia Sportage Insurance Cost
• Small SUV Insurance Cost Comparisons