- Kia Sportage insurance cost averages $2,350 per year, or around $196 per month, depending on the trim level.
- The Sportage is one of the more expensive 2024 compact SUVs to insure, costing $144 more per year on average as compared to other small SUVs
- Kia Sportage insurance cost ranges from $2,212 to $2,466 per year for the average driver, depending on trim level.
- Insurance rates in a few larger cities include $2,806 in Kansas City, MO, $2,806 in Oklahoma City, OK, and $2,864 in Long Beach, CA.
How much does Kia Sportage car insurance cost?
Kia Sportage car insurance costs on average $2,350 yearly, or about $196 a month. You can expect to pay approximately $144 more each year to insure a Kia Sportage as compared to the average rate for small SUVs, and $74 more per year than the $2,276 national average.
The next infographic details how the average insurance cost for a 2024 Kia Sportage changes with differences in driver age and the policy deductibles.
Average cost ranges from the lowest rate of $1,686 per year for a 60-year-old driver with a deductible of $1,000 to the highest cost estimate of $5,480 per year for a 20-year-old driver with $250 deductibles.
As with any vehicle, not just the Sportage, younger drivers pay higher car insurance rates. This is due to their lack of experience behind the wheel and their propensity for risky driving behaviors.
As drivers age into their forties and fifties, rates continue to decrease until around age 65 when they start to creep back up. Seniors pay progressively higher rates primarily due to a loss of vision, strength, and reaction time which results in higher accident and claim frequencies.
A few additional data insights regarding Sportage insurance costs include:
- High-risk drivers pay extremely high rates. For a 40-year-old driver, the need to buy a high-risk policy can increase the cost by $2,918 or more per year.
- Higher physical damage deductibles lower policy cost. Raising your policy deductibles from $500 to $1,000 could save around $340 per year for a 40-year-old driver and $664 per year for a 20-year-old driver.
- Lowering deductibles results in a more expensive policy. Decreasing your policy deductibles from $500 to $250 could cost an additional $352 per year for a 40-year-old driver and $708 per year for a 20-year-old driver.
- Clean up your credit for cheaper Sportage insurance. In states that have laws allowing a driver’s personal credit information to be used for generating rates, having a credit score over 800 could see savings as high as $369 per year compared to a slightly lower credit score between 670-739. Conversely, a subpar credit rating could cost as much as $428 more per year.
- Be a careful driver and pay less. At-fault accidents increase insurance cost, possibly as much as $1,164 per year for a 30-year-old driver and as much as $622 per year for a 60-year-old driver.
- Avoid traffic tickets to pay less. To get the cheapest price for Sportage insurance rates, it’s necessary to drive conservatively. A couple of speeding tickets could raise insurance rates by at least $640 per year. Major misdemeanors such as DUI/DWI and felony use of a motor vehicle could raise rates by an additional $2,234 or more.
- Policyholder gender affects insurance costs. For a 2024 Kia Sportage, a 20-year-old male driver receives an average rate of $4,772 per year, while a 20-year-old female driver will pay $3,422, a difference of $1,350 per year. Women get significantly cheaper rates. But by age 50, male rates are $2,092 and the female rate is $2,032, a difference of only $60.
How do Kia Sportage insurance rates rank?
The Kia Sportage ranks 34th out of 47 total comparison vehicles in the 2024 small SUV class for car insurance affordability. The Sportage costs an average of $2,350 per year for insurance and the segment median rate is $2,206 per year, a difference of $144 per year.
When compared to the top-selling vehicles in the small SUV segment, Kia Sportage car insurance costs $138 more per year than the Toyota RAV4, $304 more than the Honda CR-V, $140 more than the Chevrolet Equinox, and $196 more than the Nissan Rogue.
The chart below shows how Sportage insurance rates compare to the top 10 most popular small SUVs for the 2024 model year. Following the chart, a larger data table is included that details insurance affordability rankings for all 47 vehicles in the small SUV segment.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,772 | -$578 |
| 2 | Chevrolet Trailblazer | $1,804 | -$546 |
| 3 | Kia Soul | $1,872 | -$478 |
| 4 | Nissan Kicks | $1,888 | -$462 |
| 5 | Buick Envision | $1,922 | -$428 |
| 6 | Toyota Corolla Cross | $1,932 | -$418 |
| 7 | Hyundai Venue | $1,950 | -$400 |
| 8 | Mazda CX-5 | $1,956 | -$394 |
| 9 | Ford Bronco Sport | $1,966 | -$384 |
| 10 | Volkswagen Tiguan | $1,984 | -$366 |
| 11 | Buick Encore | $2,038 | -$312 |
| 12 | Honda CR-V | $2,046 | -$304 |
| 13 | Volkswagen Taos | $2,056 | -$294 |
| 14 | Kia Niro | $2,066 | -$284 |
| 15 | Honda HR-V | $2,088 | -$262 |
| 16 | Subaru Forester | $2,134 | -$216 |
| 17 | Kia Seltos | $2,144 | -$206 |
| 18 | GMC Terrain | $2,148 | -$202 |
| 19 | Nissan Rogue | $2,154 | -$196 |
| 20 | Hyundai Kona | $2,158 | -$192 |
| 21 | Mazda CX-30 | $2,164 | -$186 |
| 22 | Volkswagen ID4 | $2,176 | -$174 |
| 23 | Ford Escape | $2,188 | -$162 |
| 24 | Chevrolet Equinox | $2,210 | -$140 |
| 25 | Toyota RAV4 | $2,212 | -$138 |
| 26 | Mazda MX-30 | $2,226 | -$124 |
| 27 | Hyundai Tucson | $2,232 | -$118 |
| 28 | Chevrolet Trax | $2,264 | -$86 |
| 29 | Mini Cooper Clubman | $2,274 | -$76 |
| 30 | Mini Cooper | $2,278 | -$72 |
| 31 | Mitsubishi Eclipse Cross | $2,302 | -$48 |
| 32 | Jeep Renegade | $2,308 | -$42 |
| 33 | Mitsubishi Outlander | $2,336 | -$14 |
| 34 | Kia Sportage | $2,350 | -- |
| 35 | Hyundai Ioniq 5 | $2,358 | $8 |
| 36 | Fiat 500X | $2,368 | $18 |
| 37 | Mini Cooper Countryman | $2,374 | $24 |
| 38 | Subaru Solterra | $2,376 | $26 |
| 39 | Mazda CX-50 | $2,380 | $30 |
| 40 | Nissan Ariya | $2,386 | $36 |
| 41 | Toyota bz4X | $2,390 | $40 |
| 42 | Mitsubishi Mirage | $2,398 | $48 |
| 43 | Kia EV6 | $2,474 | $124 |
| 44 | Dodge Hornet | $2,554 | $204 |
| 45 | Jeep Compass | $2,594 | $244 |
| 46 | Hyundai Nexo | $2,648 | $298 |
| 47 | Ford Mustang Mach-E | $2,806 | $456 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated October 24, 2025
By factoring in a vehicle’s MSRP, we can see how insurance cost compares between the Sportage and compact SUV models that have the most similar dealer prices. With an average MSRP of $32,430, the cost to purchase a 2024 Kia Sportage ranges from $27,090 to $37,890, before dealer fees.
The four small SUV models that have the most similar sticker prices to the Sportage are the Hyundai Kona, Subaru Forester, Mitsubishi Outlander, and Kia Niro. The next list shows how they compare to a 2024 Sportage by sticker price and average insurance cost.
- Kia Sportage vs. Hyundai Kona – The Hyundai Kona has an average MSRP of $32,400, ranging from $24,100 to $41,550, which is $30 cheaper than the average MSRP for the Kia Sportage. Anticipate paying around $192 less annually for insurance on the Hyundai Kona compared to a Sportage.
- Kia Sportage vs. Subaru Forester – Having an average MSRP of $32,591 ($27,095 to $37,395), the Subaru Forester costs $161 more than the average cost of the Kia Sportage. Insurance on the Subaru Forester costs an average of $216 less every 12 months than the Kia Sportage.
- Kia Sportage vs. Mitsubishi Outlander – Having an average MSRP of $32,758 and ranging from $28,395 to $36,745, the 2024 Mitsubishi Outlander costs $328 more than the average cost of the Kia Sportage. Car insurance for the Mitsubishi Outlander costs an average of $14 less each year than the Kia Sportage.
- Kia Sportage vs. Kia Niro – The Kia Niro has an average retail price of $32,961, ranging from $26,840 to $40,040, which is $531 more expensive than the Kia Sportage. The cost to insure a 2024 Sportage compared to the Kia Niro is $284 more every 12 months on average.
Which Sportage models cost the least to insure?
The cheapest Kia Sportage to insure is the $27,090 base LX trim at $2,212 per year, or about $184 per month. The next cheapest Kia Sportage to insure is the $27,490 base LX Hybrid trim at $2,226 per year, or around $186 per month.
The most expensive model to insure is the $37,890 X-Pro Prestige model, costing an average of $2,466 per year.
The rate table below shows average annual and semi-annual auto insurance costs, in addition to a monthly budget figure, for each 2024 Kia Sportage model package and trim level.
| 2024 Kia Sportage Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| LX | $2,212 | $184 |
| LX Hybrid | $2,226 | $186 |
| EX | $2,272 | $189 |
| EX Hybrid | $2,328 | $194 |
| X-Line AWD | $2,342 | $195 |
| SX | $2,358 | $197 |
| SX Prestige | $2,400 | $200 |
| X-Pro | $2,442 | $204 |
| SX Prestige Hybrid | $2,450 | $204 |
| X-Pro Prestige | $2,466 | $206 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated October 24, 2025
Do older Sportage models cost less to insure?
Insuring a Kia Sportage with some miles on it is definitely cheaper than a new 2024 model. For example, a 2013 Sportage costs $956 less per year to insure for full coverage than a new model.
The following data table details the average insurance policy premiums for a Kia Sportage for the 2013 to 2024 model years. In this example, insurance costs range from the most affordable price of $1,394 for a 2013 Kia Sportage to the most expensive cost of $1,894 for a 2019 Sportage.
| Model Year and Vehicle | Annual Premium | Cost Per Month |
|---|---|---|
| 2024 Kia Sportage | $2,350 | $196 |
| 2023 Kia Sportage | $2,324 | $194 |
| 2022 Kia Sportage | $2,188 | $182 |
| 2021 Kia Sportage | $1,816 | $151 |
| 2020 Kia Sportage | $1,764 | $147 |
| 2019 Kia Sportage | $1,894 | $158 |
| 2018 Kia Sportage | $1,798 | $150 |
| 2017 Kia Sportage | $1,724 | $144 |
| 2016 Kia Sportage | $1,576 | $131 |
| 2015 Kia Sportage | $1,488 | $124 |
| 2014 Kia Sportage | $1,596 | $133 |
| 2013 Kia Sportage | $1,394 | $116 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Kia Sportage trim levels for each model year. Updated October 24, 2025
Eventually, as the vehicle ages you will need to decide when to remove comprehensive and collision coverage from a policy. As a Kia Sportage depreciates over time, the costs required to maintain comprehensive and collision coverage starts to exceed any added benefit.
Dropping physical damage insurance coverage on an older Kia Sportage could save around $718 per year, depending on the deductible level and the age of the rated driver.
Average Sportage insurance rates by U.S. city
Depending upon where you live, the insurance cost for a Sportage varies widely from cheaper rates like $2,026 a year in Columbus, OH, or $1,902 in Virginia Beach, VA, to high rates such as $3,420 a year in Las Vegas, NV, and $3,414 in Los Angeles, CA.
Insurance rates on a Sportage in some additional locations include Louisville, KY, at $3,310 per year, Phoenix, AZ, averaging $2,630, Memphis, TN, costing $2,766, and Long Beach, CA, at an estimated $2,864.
The chart below ranks average insurance rate data for a Kia Sportage for the thirty largest metro areas in America.
