Kia Sportage Car Insurance Rates for 2022

• Kia Sportage insurance cost averages $1,524 per year, or around $127 per month, depending on the trim level.
• The Sportage is one of the more expensive 2022 compact SUVs to insure, costing $98 more per year on average as compared to other small SUVs
• Kia Sportage insurance cost ranges from $1,422 to $1,658 per year for the average driver, depending on trim level.
• Insurance rates in a few larger cities include $1,920 in Kansas City, MO, $1,920 in Oklahoma City, OK, and $1,976 in Long Beach, CA.

How much does Kia Sportage car insurance cost?

Kia Sportage car insurance costs on average $1,524 yearly, or about $127 a month. You can expect to pay approximately $98 more each year to insure a Kia Sportage as compared to the average rate for small SUVs, and $43 less per year than the $1,567 national average.

The following chart details how average insurance cost for a 2022 Kia Sportage changes with differences in driver age and the policy deductibles. The yearly policy cost range from the lowest rate of $1,180 per year for a 60-year-old driver with a deductible of $1,000 to the highest cost estimate of $3,490 per year for a 20-year-old driver with $250 deductibles.

To aid in understanding how much auto insurance rates can vary, consider that a liability-only insurance policy on a Kia Sportage in the cheaper areas of Indiana or North Carolina can be as cheap as $207 a year, while a 16-year-old driver with a tendency to speed in certain areas in Detroit, Michigan may have to pay as much as $30,226 a year for a full coverage policy.

A few additional data insights regarding Sportage insurance cost 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 $1,872 or more per year.
• Higher physical damage deductibles lower policy cost. Raising your policy deductibles from $500 to $1,000 could save around $212 per year for a 40-year-old driver and $418 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 $224 per year for a 40-year-old driver and $440 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 $239 per year compared to a slightly lower credit score between 670-739. Conversely, a subpar credit rating could cost as much as $277 more per year.
• Be a careful driver and pay less. At-fault accidents increase insurance cost, possibly as much as $718 per year for a 30-year-old driver and as much as $492 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 $412 per year. Major misdemeanors such as DUI/DWI and felony use of a motor vehicle could raise rates by an additional $1,428 or more.
• Policyholder gender affects insurance cost. For a 2022 Kia Sportage, a 20-year-old male driver receives an average rate of $3,050 per year, while a 20-year-old female driver will pay $2,260, a difference of $790 per year. Women get significantly cheaper rates. But by age 50, male rates are $1,392 and the female rate is $1,366, a difference of only $26.

How do Kia Sportage insurance rates rank?

The Kia Sportage ranks #37 out of 46 total comparison vehicles in the 2022 small SUV class for car insurance affordability. The Sportage costs an average of $1,524 per year for insurance and the segment median rate is $1,426 per year, a difference of $98 per year.

When compared to the top-selling vehicles in the small SUV segment, Kia Sportage car insurance costs $84 more per year than the Toyota RAV4, $188 more than the Honda CR-V, $100 more than the Chevrolet Equinox, and $32 more than the Nissan Rogue.

The chart below shows how Sportage insurance rates compare to the top 10 most popular small SUVs for the 2022 model year. Following the chart, a larger data table is included that details insurance affordability rankings for all 46 vehicles in the small SUV segment.

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 $28,580, the cost to purchase a 2022 Kia Sportage ranges from $24,090 to $33,750, before dealer fees.

The four small SUV models that have the most similar sticker prices to the Sportage are the Mazda CX-30, Volkswagen Taos, Hyundai Kona, and Fiat 500X. The next list shows how they compare to a 2022 Sportage by sticker price and average insurance cost.

• Kia Sportage vs. Mazda CX-30 – The Mazda CX-30 has an average MSRP of $28,830, ranging from $22,200 to $34,400, which is $250 more expensive than the average MSRP for the Kia Sportage. Anticipate paying around $174 less annually for insurance on the Mazda CX-30 compared to a Sportage.
• Kia Sportage vs. Volkswagen Taos – Having an average MSRP of $28,264 ($22,995 to $33,530), the Volkswagen Taos costs $316 less than the average cost of the Kia Sportage. Insurance on the Volkswagen Taos costs an average of $96 less every 12 months than the Kia Sportage.
• Kia Sportage vs. Hyundai Kona – Having an average MSRP of $29,125 and ranging from $21,150 to $42,500, the 2022 Hyundai Kona costs $545 more than the average cost of the Kia Sportage. Car insurance for the Hyundai Kona costs an average of $206 less each year than the Kia Sportage.
• Kia Sportage vs. Fiat 500X – The Fiat 500X has an average retail price of $29,576, ranging from $27,300 to $33,280, which is $996 more expensive than the Kia Sportage. The cost to insure a 2022 Sportage compared to the Fiat 500X is $90 more every 12 months on average.

Which Sportage models cost the least to insure?

The cheapest Kia Sportage to insure is the $24,090 base LX trim at $1,422 per year, or about $119 per month.

The most expensive model to insure is the $33,750 SX Turbo model, costing an average of $1,658 per year.

The rate table below shows average annual and semi-annual auto insurance costs, in addition to a monthly budget figure, for each 2022 Kia Sportage model package and trim level.

Do older Sportage models cost less to insure?

Insuring a Kia Sportage with some miles on it is definitely cheaper than a new 2022 model. For example, a 2013 Sportage costs $476 less per year to insure for full coverage than a new model.

The following data table details average insurance policy premiums for a Kia Sportage for the 2013 to 2022 model years. In this example, insurance costs range from the most affordable price of $1,048 for a 2013 Kia Sportage to the most expensive cost of $1,352 for a 2019 Sportage.

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 $516 per year, depending on the deductible level and the age of the rated driver.

Does garaging location of the vehicle matter?

Depending upon where you live, the insurance cost for a Sportage varies widely from cheaper rates like $1,148 a year in Columbus, OH, or $1,024 in Virginia Beach, VA, to high rates such as $2,532 a year in Las Vegas, NV, and $2,526 in Los Angeles, CA.

Insurance rates on a Sportage in some additional locations include Louisville, KY, at $2,422 per year, Phoenix, AZ, averaging $1,752, Memphis, TN, costing $1,880, and Long Beach, CA, at an estimated $1,976.

The chart below ranks average insurance rate data for a Kia Sportage for 15 larger metro areas in America. The estimated costs range from $1,148 per year in Columbus, OH, to $2,878 in New York City, a difference of $1,730.