- Kia Sportage insurance cost averages $1,760 per year, or around $147 per month, depending on the trim level.
- The Sportage is one of the more expensive 2023 compact SUVs to insure, costing $154 more per year on average as compared to other small SUVs
- Kia Sportage insurance cost ranges from $1,632 to $1,886 per year for the average driver, depending on trim level.
- Insurance rates in a few larger cities include $2,110 in Kansas City, MO, $2,110 in Oklahoma City, OK, and $2,170 in Long Beach, CA.
How much does Kia Sportage car insurance cost?
Kia Sportage car insurance costs on average $1,760 yearly, or about $147 a month. You can expect to pay approximately $154 more each year to insure a Kia Sportage as compared to the average rate for small SUVs, and $75 more per year than the $1,685 national average.
The following chart details how the average insurance cost for a 2023 Kia Sportage changes with differences in driver age and the policy deductibles. The yearly policy cost range from the lowest rate of $1,356 per year for a 60-year-old driver with a deductible of $1,000 to the highest cost estimate of $4,046 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 $20,694 a year for a full coverage policy.
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 $2,164 or more per year.
- Higher physical damage deductibles lower policy cost. Raising your policy deductibles from $500 to $1,000 could save around $252 per year for a 40-year-old driver and $492 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 $260 per year for a 40-year-old driver and $524 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 $276 per year compared to a slightly lower credit score between 670-739. Conversely, a subpar credit rating could cost as much as $320 more per year.
- Be a careful driver and pay less. At-fault accidents increase insurance cost, possibly as much as $832 per year for a 30-year-old driver and as much as $566 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 $472 per year. Major misdemeanors such as DUI/DWI and felony use of a motor vehicle could raise rates by an additional $1,650 or more.
- Policyholder gender affects insurance costs. For a 2023 Kia Sportage, a 20-year-old male driver receives an average rate of $3,522 per year, while a 20-year-old female driver will pay $2,610, a difference of $912 per year. Women get significantly cheaper rates. But by age 50, male rates are $1,608 and the female rate is $1,574, a difference of only $34.
How do Kia Sportage insurance rates rank?
The Kia Sportage ranks 38th out of 47 total comparison vehicles in the 2023 small SUV class for car insurance affordability. The Sportage costs an average of $1,760 per year for insurance and the segment median rate is $1,606 per year, a difference of $154 per year.
When compared to the top-selling vehicles in the small SUV segment, Kia Sportage car insurance costs $126 more per year than the Toyota RAV4, $264 more than the Honda CR-V, $172 more than the Chevrolet Equinox, and $138 more than the Nissan Rogue.
The chart below shows how Sportage insurance rates compare to the top 10 most popular small SUVs for the 2023 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/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Chevrolet Trailblazer | $1,334 | -$426 |
| 2 | Subaru Crosstrek | $1,346 | -$414 |
| 3 | Nissan Kicks | $1,354 | -$406 |
| 4 | Nissan Rogue Sport | $1,378 | -$382 |
| 5 | Mazda CX-5 | $1,386 | -$374 |
| 6 | Buick Encore | $1,406 | -$354 |
| 7 | Buick Envision | $1,410 | -$350 |
| 8 | Kia Seltos | $1,430 | -$330 |
| 9 | Hyundai Venue | $1,440 | -$320 |
| 10 | Honda HR-V | $1,464 | -$296 |
| 11 | Hyundai Kona | $1,480 | -$280 |
| 12 | Subaru Forester | $1,486 | -$274 |
| 13 | Honda CR-V | $1,496 | -$264 |
| 14 | Mazda CX-30 | $1,498 | -$262 |
| 15 | Chevrolet Trax | $1,514 | -$246 |
| 16 | Volkswagen Tiguan | $1,532 | -$228 |
| 17 | Ford Bronco Sport | $1,536 | -$224 |
| 18 | Fiat 500X | $1,564 | -$196 |
| 19 | GMC Terrain | $1,566 | -$194 |
| 20 | Kia Soul | $1,568 | -$192 |
| 21 | Mitsubishi Eclipse Cross | $1,572 | -$188 |
| 22 | Chevrolet Equinox | $1,588 | -$172 |
| 23 | Toyota Corolla Cross | $1,592 | -$168 |
| 24 | Volkswagen Taos | $1,600 | -$160 |
| 25 | Mazda CX-50 | $1,610 | -$150 |
| 26 | Hyundai Tucson | $1,614 | -$146 |
| 27 | Ford Escape | $1,616 | -$144 |
| 28 | Nissan Rogue | $1,622 | -$138 |
| 29 | Toyota RAV4 | $1,634 | -$126 |
| 30 | Mazda MX-30 | $1,636 | -$124 |
| 31 | Kia Niro | $1,638 | -$122 |
| 32 | Mini Cooper | $1,648 | -$112 |
| 33 | Jeep Compass | $1,652 | -$108 |
| 34 | Mini Cooper Clubman | $1,674 | -$86 |
| 35 | Jeep Renegade | $1,698 | -$62 |
| 36 | Chevrolet Bolt | $1,710 | -$50 |
| 37 | Toyota bz4X | $1,716 | -$44 |
| 38 | Kia Sportage | $1,760 | -- |
| 39 | Hyundai Ioniq 5 | $1,764 | $4 |
| 40 | Mini Cooper Countryman | $1,812 | $52 |
| 41 | Mitsubishi Mirage | $1,818 | $58 |
| 42 | Mitsubishi Outlander | $1,820 | $60 |
| 43 | Volkswagen ID4 | $1,832 | $72 |
| 44 | Kia EV6 | $1,870 | $110 |
| 45 | Dodge Hornet | $1,872 | $112 |
| 46 | Hyundai Nexo | $1,938 | $178 |
| 47 | Ford Mustang Mach-E | $1,996 | $236 |
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 $33,123, the cost to purchase a 2023 Kia Sportage ranges from $25,990 to $42,990, before dealer fees.
The four small SUV models that have the most similar sticker prices to the Sportage are the Mitsubishi Outlander, Volkswagen Tiguan, Jeep Renegade, and Mazda CX-5. The next list shows how they compare to a 2023 Sportage by sticker price and average insurance cost.
- Kia Sportage vs. Mitsubishi Outlander – The Mitsubishi Outlander has an average MSRP of $32,988, ranging from $27,595 to $37,395, which is $135 cheaper than the average MSRP for the Kia Sportage. Anticipate paying around $60 more annually for insurance on the Mitsubishi Outlander compared to a Sportage.
- Kia Sportage vs. Volkswagen Tiguan – Having an average MSRP of $33,275 ($28,245 to $38,975), the Volkswagen Tiguan costs $152 more than the average cost of the Kia Sportage. Insurance on the Volkswagen Tiguan costs an average of $228 less every 12 months than the Kia Sportage.
- Kia Sportage vs. Jeep Renegade – Having an average MSRP of $33,308 and ranging from $31,590 to $34,440, the 2023 Jeep Renegade costs $185 more than the average cost of the Kia Sportage. Car insurance for the Jeep Renegade costs an average of $62 less each year than the Kia Sportage.
- Kia Sportage vs. Mazda CX-5 – The Mazda CX-5 has an average retail price of $32,611, ranging from $26,700 to $39,650, which is $512 cheaper than the Kia Sportage. The cost to insure a 2023 Sportage compared to the Mazda CX-5 is $374 more every 12 months on average.
Which Sportage models cost the least to insure?
The cheapest Kia Sportage to insure is the $25,990 base LX trim at $1,632 per year, or about $136 per month. The next cheapest Kia Sportage to insure is the $27,290 base LX Hybrid trim at $1,662 per year, or around $139 per month.
The most expensive model to insure is the $42,990 X-Line Prestige Plug-in Hybrid model, costing an average of $1,886 per year.
The rate table below shows average annual and semi-annual auto insurance costs, in addition to a monthly budget figure, for each 2023 Kia Sportage model package and trim level.
| Kia Sportage Trim Level | Annual Policy | Six-Month Policy | Per Month |
|---|---|---|---|
| LX | $1,632 | $816 | $136 |
| LX Hybrid | $1,662 | $831 | $139 |
| EX | $1,676 | $838 | $140 |
| X-Line AWD | $1,732 | $866 | $144 |
| EX Hybrid | $1,732 | $866 | $144 |
| SX | $1,744 | $872 | $145 |
| SX Prestige | $1,774 | $887 | $148 |
| X-Pro | $1,798 | $899 | $150 |
| SX Prestige Hybrid | $1,812 | $906 | $151 |
| X-Pro Prestige | $1,818 | $909 | $152 |
| X-Line Plug-in Hybrid | $1,838 | $919 | $153 |
| X-Line Prestige Plug-in Hybrid | $1,886 | $943 | $157 |
Do older Sportage models cost less to insure?
Insuring a Kia Sportage with some miles on it is definitely cheaper than a new 2023 model. For example, a 2013 Sportage costs $626 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 2023 model years. In this example, insurance costs range from the most affordable price of $1,134 for a 2013 Kia Sportage to the most expensive cost of $1,470 for a 2019 Sportage.
| Model Year and Vehicle | Annual Rate | 6-month Rate | Monthly Rate |
|---|---|---|---|
| 2023 Kia Sportage | $1,760 | $880 | $147 |
| 2022 Kia Sportage | $1,658 | $829 | $138 |
| 2021 Kia Sportage | $1,374 | $687 | $115 |
| 2020 Kia Sportage | $1,356 | $678 | $113 |
| 2019 Kia Sportage | $1,470 | $735 | $123 |
| 2018 Kia Sportage | $1,416 | $708 | $118 |
| 2017 Kia Sportage | $1,364 | $682 | $114 |
| 2016 Kia Sportage | $1,274 | $637 | $106 |
| 2015 Kia Sportage | $1,212 | $606 | $101 |
| 2014 Kia Sportage | $1,296 | $648 | $108 |
| 2013 Kia Sportage | $1,134 | $567 | $95 |
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 $546 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 $1,306 a year in Columbus, OH, or $1,176 in Virginia Beach, VA, to high rates such as $2,746 a year in Las Vegas, NV, and $2,738 in Los Angeles, CA.
Insurance rates on a Sportage in some additional locations include Louisville, KY, at $2,628 per year, Phoenix, AZ, averaging $1,932, Memphis, TN, costing $2,068, and Long Beach, CA, at an estimated $2,170.
The chart below ranks average insurance rate data for a Kia Sportage for the thirty largest metro areas in America.
