Insurance premiums for a Kia Sportage average $176 monthly for full coverage and $91 for minimum coverage. Depending on your particular trim and model year, costs can range from $42 to $273 monthly.
Kia Sportage Insurance Cost
Updated: January 14, 2026
Key Takeaways
GEICO offers the most affordable Kia Sportage insurance, with full coverage averaging $130 monthly. Rates vary based on your model year and chosen insurer. Read more
The Sportage ranks 95th out of 256 SUVs for insurance affordability. While SUVs tend to be pricier to insure, the Sportage's middle-tier placement makes it reasonably priced within its category. Read more
Your Sportage's model year and driver age affect insurance rates. Teen drivers and owners of newer model years pay higher premiums than experienced drivers with older models. Read more
How Much Is Kia Sportage Insurance?
| Kia Sportage | $91 | $176 |
Looking for another Kia model? Read more about the cost of Kia car insurance models.
Insurance costs for your Kia Sportage vary widely by model year, from $42 monthly for older vehicles to $217 for the latest models. Like most vehicles, newer Sportages cost more to insure because their fair market value is higher.
Insurance costs for a Kia Sportage depend on model year and company. Full coverage goes from $130 monthly with GEICO to $327 with AIG, while minimum coverage spans $60 with GEICO to $148 with UAIC.
Kia Sportage owners should shop between insurers since minimum coverage varies by over $88 and full coverage by over $197. Each company calculates risk differently for the Sportage, affecting your final quote.
| AAA | $102 | $211 |
| AIG | $131 | $327 |
| Allstate | $115 | $223 |
| Amica | $109 | $224 |
| Chubb | $125 | $248 |
| Farmers | $134 | $237 |
| Geico | $60 | $130 |
| Kemper | $89 | $179 |
| Nationwide | $98 | $170 |
| Progressive | $90 | $168 |
| State Farm | $89 | $185 |
| The Hartford | $98 | $168 |
| Travelers | $81 | $149 |
| UAIC | $148 | $186 |
Is Kia Sportage Expensive to Insure?
MoneyGeek's analysis of 256 SUVs shows the Kia Sportage ranking 95th for insurance affordability. You'll find it costs a few dollars more per month than a Volvo XC60 but slightly less than a Subaru Solterra, placing it squarely in the middle tier among SUVs. This means 94 SUV models are cheaper to insure than the Sportage.
SUVs tend to be pricier to insure, but the Sportage's overall ranking tells a different story. At 381st out of 827 total vehicles, it lands in the top half for affordability across all car types. The Isuzu Amigo claims the cheapest SUV spot, while the Audi SQ8 e-tron commands the highest premiums.
| Ford Mustang Mach-E | $132 | 92 |
| Infiniti JX | $132 | 93 |
| Toyota Highlander | $133 | 94 |
| Volvo XC60 | $133 | 95 |
| Kia Sportage | $133 | 95 |
| Subaru Solterra | $133 | 95 |
| Hyundai Ioniq 5 | $133 | 96 |
| Mazda CX-5 | $134 | 97 |
| Hyundai Ioniq Hybrid | $135 | 98 |
Several factors affect what you'll pay for Kia Sportage insurance:
- Average Repair or Replacement Costs: Ranking as Kia's 11th most affordable model to maintain out of 21, the Sportage keeps repair costs reasonable at $750 annually, which helps keep insurance premiums lower.
- Vehicle Trim, Features and Accessories: Horsepower ranges from 187 to 281, depending on your trim level, with higher-performance variants costing more due to their increased power capabilities and associated risk factors.
- Driver Profile: Most Sportage owners fall between 30 and 50 years old, with a median age of around 40, earning lower rates due to responsible driving patterns. However, the vehicle's performance reputation can attract risk-taking behaviors that concern insurers. Read more about the costs of Kia Sportages for young drivers.
Kia Sportage Costs by Model Year and Driver Age by Insurance Company
The age of your Kia Sportage and your own age both play major roles in determining insurance costs. A 35- to 55-year-old driver with a 2017 Sportage pays around $202 monthly for full coverage, while the same driver with a 2026 model faces $248 per month. Young drivers in their teens and early twenties will see higher rates regardless of the model year they're insuring.
GEICO consistently offers the cheapest rates across all Sportage model years and could save you hundreds monthly compared to average costs.
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Kia Sportage
| Geico | $72 | $157 |
| National General | $94 | $192 |
| Travelers | $98 | $179 |
| Progressive | $100 | $186 |
| Kemper | $107 | $214 |
| Nationwide | $110 | $189 |
| State Farm | $116 | $242 |
| The Hartford | $129 | $219 |
| AAA | $129 | $267 |
| Allstate | $140 | $270 |
| Amica | $140 | $288 |
| Chubb | $167 | $330 |
| AIG | $168 | $423 |
| Farmers | $173 | $305 |
| UAIC | $184 | $232 |
2025 Kia Sportage Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $859 | $786 | $724 | $614 | $519 | $337 | $312 | $291 | $275 | $246 |
| Geico | $889 | $649 | $544 | $395 | $340 | $274 | $253 | $209 | $198 | $180 |
| State Farm | $910 | $801 | $708 | $612 | $540 | $459 | $417 | $372 | $340 | $300 |
| Travelers | $1,072 | $771 | $608 | $469 | $413 | $306 | $279 | $258 | $238 | $206 |
| Allstate | $1,288 | $1,008 | $813 | $601 | $538 | $419 | $380 | $359 | $339 | $299 |
| Progressive | $1,351 | $1,091 | $905 | $503 | $439 | $355 | $316 | $282 | $260 | $223 |
| Farmers | $1,907 | $1,410 | $1,255 | $778 | $734 | $559 | $499 | $477 | $454 | $381 |
Cost of Car Insurance for 2024 Kia Sportage
| Geico | $71 | $154 |
| National General | $92 | $188 |
| Travelers | $96 | $176 |
| Progressive | $98 | $182 |
| Kemper | $104 | $210 |
| Nationwide | $107 | $186 |
| State Farm | $114 | $237 |
| The Hartford | $126 | $215 |
| AAA | $126 | $262 |
| Allstate | $137 | $264 |
| Amica | $138 | $282 |
| Chubb | $163 | $324 |
| AIG | $165 | $415 |
| Farmers | $169 | $299 |
| UAIC | $180 | $227 |
2024 Kia Sportage Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $842 | $770 | $709 | $602 | $508 | $330 | $306 | $285 | $270 | $241 |
| Geico | $871 | $636 | $534 | $387 | $333 | $269 | $248 | $205 | $194 | $176 |
| State Farm | $892 | $784 | $693 | $599 | $529 | $450 | $408 | $365 | $333 | $293 |
| Travelers | $1,050 | $755 | $596 | $460 | $405 | $300 | $274 | $252 | $233 | $202 |
| Allstate | $1,262 | $988 | $796 | $589 | $527 | $410 | $372 | $352 | $332 | $293 |
| Progressive | $1,324 | $1,069 | $887 | $493 | $430 | $348 | $310 | $277 | $255 | $219 |
| Farmers | $1,869 | $1,381 | $1,230 | $763 | $720 | $548 | $489 | $467 | $444 | $373 |
Cost of Car Insurance for 2023 Kia Sportage
| Geico | $58 | $125 |
| National General | $75 | $153 |
| Travelers | $78 | $143 |
| Progressive | $79 | $149 |
| Kemper | $85 | $171 |
| Nationwide | $87 | $151 |
| State Farm | $93 | $193 |
| The Hartford | $103 | $175 |
| AAA | $103 | $213 |
| Allstate | $111 | $215 |
| Amica | $112 | $230 |
| Chubb | $133 | $264 |
| AIG | $134 | $338 |
| Farmers | $138 | $244 |
| UAIC | $147 | $185 |
2023 Kia Sportage Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $686 | $628 | $578 | $490 | $414 | $269 | $249 | $232 | $220 | $197 |
| Geico | $710 | $518 | $435 | $315 | $271 | $219 | $202 | $167 | $158 | $143 |
| State Farm | $726 | $639 | $565 | $488 | $431 | $366 | $333 | $297 | $271 | $239 |
| Travelers | $856 | $615 | $486 | $374 | $330 | $244 | $223 | $206 | $190 | $165 |
| Allstate | $1,028 | $805 | $649 | $479 | $429 | $334 | $303 | $287 | $270 | $239 |
| Progressive | $1,079 | $871 | $722 | $401 | $350 | $283 | $252 | $225 | $207 | $178 |
| Farmers | $1,522 | $1,125 | $1,002 | $621 | $586 | $446 | $398 | $381 | $362 | $304 |
Cost of Car Insurance for 2022 Kia Sportage
| Geico | $44 | $95 |
| National General | $57 | $117 |
| Travelers | $59 | $109 |
| Progressive | $61 | $113 |
| Kemper | $65 | $130 |
| Nationwide | $67 | $115 |
| State Farm | $71 | $147 |
| The Hartford | $78 | $134 |
| AAA | $78 | $163 |
| Allstate | $85 | $164 |
| Amica | $86 | $175 |
| Chubb | $102 | $201 |
| AIG | $102 | $258 |
| Farmers | $105 | $186 |
| UAIC | $112 | $141 |
2022 Kia Sportage Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $523 | $479 | $441 | $374 | $316 | $205 | $190 | $177 | $168 | $150 |
| Geico | $541 | $395 | $331 | $240 | $207 | $167 | $154 | $127 | $120 | $109 |
| State Farm | $554 | $487 | $431 | $372 | $329 | $279 | $254 | $227 | $207 | $182 |
| Travelers | $653 | $469 | $370 | $286 | $252 | $186 | $170 | $157 | $145 | $126 |
| Allstate | $784 | $614 | $495 | $366 | $327 | $255 | $231 | $219 | $206 | $182 |
| Progressive | $823 | $664 | $551 | $306 | $267 | $216 | $193 | $172 | $158 | $136 |
| Farmers | $1,161 | $858 | $764 | $474 | $447 | $340 | $304 | $290 | $276 | $232 |
Cost of Car Insurance for 2021 Kia Sportage
| Geico | $39 | $84 |
| National General | $50 | $103 |
| Travelers | $53 | $97 |
| Progressive | $54 | $100 |
| Kemper | $57 | $115 |
| Nationwide | $59 | $102 |
| State Farm | $63 | $130 |
| The Hartford | $69 | $118 |
| AAA | $69 | $144 |
| Allstate | $75 | $145 |
| Amica | $76 | $155 |
| Chubb | $90 | $178 |
| AIG | $90 | $228 |
| Farmers | $93 | $164 |
| UAIC | $99 | $125 |
2021 Kia Sportage Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $463 | $423 | $390 | $331 | $279 | $181 | $168 | $157 | $148 | $133 |
| Geico | $479 | $349 | $293 | $213 | $183 | $148 | $136 | $113 | $107 | $97 |
| State Farm | $490 | $431 | $381 | $329 | $291 | $247 | $225 | $200 | $183 | $161 |
| Travelers | $577 | $415 | $328 | $253 | $223 | $165 | $150 | $139 | $128 | $111 |
| Allstate | $694 | $543 | $438 | $323 | $290 | $226 | $205 | $193 | $182 | $161 |
| Progressive | $728 | $588 | $487 | $271 | $236 | $191 | $170 | $152 | $140 | $120 |
| Farmers | $1,027 | $759 | $676 | $419 | $396 | $301 | $269 | $257 | $244 | $205 |
Cost of Car Insurance for 2020 Kia Sportage
| Geico | $62 | $136 |
| National General | $72 | $147 |
| Travelers | $84 | $154 |
| Progressive | $88 | $165 |
| State Farm | $91 | $189 |
| The Hartford | $95 | $162 |
| AAA | $103 | $214 |
| Nationwide | $109 | $188 |
| Allstate | $110 | $213 |
| Kemper | $112 | $227 |
| Amica | $112 | $230 |
| Chubb | $135 | $267 |
| Farmers | $136 | $242 |
| AIG | $136 | $346 |
| UAIC | $144 | $180 |
2020 Kia Sportage Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $710 | $624 | $552 | $477 | $421 | $358 | $325 | $290 | $265 | $234 |
| Geico | $772 | $564 | $473 | $344 | $295 | $239 | $220 | $182 | $172 | $156 |
| Nationwide | $852 | $782 | $720 | $611 | $516 | $334 | $310 | $289 | $273 | $244 |
| Travelers | $917 | $660 | $520 | $401 | $353 | $262 | $239 | $221 | $204 | $177 |
| Allstate | $1,024 | $801 | $644 | $474 | $425 | $331 | $300 | $284 | $267 | $237 |
| Progressive | $1,198 | $967 | $802 | $447 | $390 | $315 | $280 | $250 | $230 | $198 |
| Farmers | $1,523 | $1,123 | $1,000 | $614 | $579 | $438 | $392 | $374 | $357 | $300 |
Cost of Car Insurance for 2019 Kia Sportage
| Geico | $62 | $136 |
| National General | $69 | $140 |
| Travelers | $84 | $154 |
| The Hartford | $92 | $156 |
| State Farm | $92 | $192 |
| Progressive | $95 | $178 |
| Kemper | $98 | $198 |
| AAA | $98 | $204 |
| Amica | $107 | $220 |
| Allstate | $113 | $219 |
| Nationwide | $116 | $201 |
| Chubb | $127 | $253 |
| Farmers | $130 | $232 |
| AIG | $131 | $333 |
| UAIC | $135 | $170 |
2019 Kia Sportage Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $723 | $636 | $562 | $486 | $429 | $365 | $331 | $296 | $270 | $238 |
| Geico | $772 | $564 | $473 | $344 | $295 | $239 | $220 | $182 | $172 | $156 |
| Nationwide | $909 | $834 | $768 | $652 | $550 | $356 | $330 | $308 | $291 | $261 |
| Travelers | $915 | $659 | $520 | $401 | $353 | $262 | $239 | $221 | $204 | $177 |
| Allstate | $1,053 | $824 | $662 | $488 | $437 | $341 | $310 | $293 | $276 | $244 |
| Progressive | $1,297 | $1,047 | $868 | $482 | $421 | $340 | $303 | $270 | $249 | $213 |
| Farmers | $1,458 | $1,075 | $957 | $589 | $555 | $419 | $376 | $358 | $341 | $288 |
Cost of Car Insurance for 2018 Kia Sportage
| Geico | $61 | $132 |
| National General | $70 | $143 |
| Travelers | $85 | $156 |
| Progressive | $95 | $177 |
| The Hartford | $96 | $164 |
| State Farm | $96 | $200 |
| AAA | $103 | $212 |
| Kemper | $105 | $212 |
| Amica | $110 | $225 |
| Nationwide | $118 | $204 |
| Allstate | $121 | $232 |
| Chubb | $126 | $249 |
| AIG | $134 | $335 |
| Farmers | $136 | $242 |
| UAIC | $154 | $193 |
2018 Kia Sportage Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $746 | $544 | $456 | $331 | $285 | $230 | $212 | $176 | $166 | $151 |
| State Farm | $752 | $662 | $585 | $506 | $446 | $380 | $345 | $308 | $281 | $248 |
| Travelers | $921 | $663 | $522 | $403 | $354 | $264 | $241 | $222 | $205 | $179 |
| Nationwide | $926 | $849 | $782 | $664 | $560 | $363 | $336 | $314 | $296 | $265 |
| Allstate | $1,127 | $881 | $705 | $517 | $463 | $361 | $328 | $309 | $291 | $258 |
| Progressive | $1,294 | $1,043 | $864 | $480 | $419 | $339 | $302 | $269 | $248 | $213 |
| Farmers | $1,518 | $1,121 | $998 | $615 | $580 | $438 | $392 | $374 | $356 | $301 |
Cost of Car Insurance for 2017 Kia Sportage
| Geico | $62 | $135 |
| National General | $67 | $138 |
| Travelers | $84 | $154 |
| The Hartford | $91 | $155 |
| State Farm | $93 | $193 |
| Progressive | $101 | $190 |
| Kemper | $104 | $210 |
| AAA | $104 | $214 |
| Amica | $107 | $218 |
| Nationwide | $114 | $197 |
| Chubb | $118 | $233 |
| Allstate | $121 | $234 |
| AIG | $130 | $321 |
| Farmers | $138 | $245 |
| UAIC | $149 | $186 |
2017 Kia Sportage Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $726 | $639 | $565 | $488 | $431 | $366 | $333 | $297 | $272 | $239 |
| Geico | $763 | $556 | $467 | $339 | $292 | $236 | $217 | $180 | $170 | $154 |
| Nationwide | $896 | $822 | $756 | $642 | $542 | $351 | $326 | $304 | $287 | $257 |
| Travelers | $903 | $652 | $514 | $398 | $350 | $261 | $239 | $220 | $203 | $177 |
| Allstate | $1,136 | $888 | $710 | $520 | $466 | $364 | $330 | $312 | $293 | $260 |
| Progressive | $1,390 | $1,120 | $929 | $515 | $449 | $363 | $323 | $288 | $265 | $228 |
| Farmers | $1,518 | $1,123 | $1,001 | $622 | $587 | $445 | $397 | $380 | $361 | $305 |
Cost of Car Insurance for 2016 Kia Sportage
| Geico | $63 | $137 |
| National General | $63 | $130 |
| Travelers | $81 | $149 |
| The Hartford | $84 | $142 |
| State Farm | $87 | $181 |
| Kemper | $95 | $193 |
| Amica | $101 | $207 |
| AAA | $101 | $209 |
| Progressive | $104 | $196 |
| Nationwide | $109 | $188 |
| Chubb | $110 | $219 |
| Allstate | $117 | $226 |
| AIG | $122 | $304 |
| UAIC | $134 | $168 |
| Farmers | $137 | $241 |
2016 Kia Sportage Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $680 | $599 | $530 | $457 | $404 | $343 | $312 | $279 | $255 | $224 |
| Geico | $778 | $567 | $477 | $346 | $298 | $241 | $222 | $183 | $173 | $157 |
| Nationwide | $853 | $782 | $720 | $611 | $516 | $334 | $310 | $289 | $273 | $245 |
| Travelers | $871 | $632 | $499 | $386 | $340 | $254 | $232 | $214 | $198 | $171 |
| Allstate | $1,094 | $854 | $684 | $503 | $450 | $352 | $319 | $301 | $283 | $251 |
| Progressive | $1,435 | $1,157 | $960 | $532 | $464 | $374 | $334 | $298 | $274 | $235 |
| Farmers | $1,485 | $1,101 | $981 | $614 | $580 | $442 | $393 | $377 | $358 | $301 |
Kia Sportage Insurance Cost by Trim
Kia Sportage insurance costs range from $44 monthly for minimum coverage on basic Limited Sport Utility 4d models to $273 for full coverage on X-Line Prestige variants. Your trim's performance features and market value determine where you'll fall in this pricing spectrum.
| Limited Sport Utility 4d | $44 | $84 |
| Sport Utility Convertible 2d | $47 | $90 |
| Nightfall Sport Utility 4d | $67 | $130 |
| Sport Utility 4d | $71 | $137 |
| S Sport Utility 4d | $73 | $142 |
| Lx Sport Utility 4d | $83 | $161 |
| Sx Turbo Sport Utility 4d | $85 | $165 |
| Ex Sport Utility 4d | $85 | $165 |
| X-Line Sport Utility 4d | $88 | $171 |
| X-Pro Sport Utility 4d | $89 | $173 |
| Sx Prestige Sport Utility 4d | $91 | $176 |
| Lx | $91 | $177 |
| X-Pro Prestige Sport Utility 4d | $92 | $180 |
| Sx Sport Utility 4d | $95 | $185 |
| Ex | $99 | $193 |
| Sx-Prestige Sport Utility 4d | $103 | $200 |
| X-Line Prestige Sport Utility 4d | $105 | $204 |
| Sx | $108 | $209 |
| X-Line | $114 | $221 |
| Sx Prestige | $114 | $221 |
| X-Pro | $115 | $224 |
| Sx-Prestige | $119 | $232 |
| X-Pro Prestige | $124 | $241 |
| X-Line Prestige | $141 | $273 |
Kia Sportage Insurance Cost by State
Car insurance for a Kia Sportage costs as much as $177 monthly in Louisiana or as little as $33 in Wyoming for minimum coverage. Your state's risk characteristics and insurance regulations drive these differences, not the vehicle model itself.
| Alabama | $76 | $143 |
| Alaska | $63 | $134 |
| Arizona | $106 | $199 |
| Arkansas | $74 | $165 |
| California | $85 | $173 |
| Colorado | $88 | $211 |
| Connecticut | $123 | $213 |
| Delaware | $127 | $212 |
| Florida | $117 | $272 |
| Georgia | $131 | $216 |
| Hawaii | $47 | $106 |
| Idaho | $49 | $99 |
| Illinois | $83 | $154 |
| Indiana | $58 | $113 |
| Iowa | $53 | $126 |
| Kansas | $66 | $153 |
| Kentucky | $112 | $190 |
| Louisiana | $177 | $378 |
| Maine | $47 | $97 |
| Maryland | $140 | $236 |
| Massachusetts | $90 | $191 |
| Michigan | $144 | $276 |
| Minnesota | $74 | $154 |
| Mississippi | $79 | $157 |
| Missouri | $106 | $210 |
| Montana | $65 | $154 |
| Nebraska | $66 | $150 |
| Nevada | $160 | $290 |
| New Hampshire | $62 | $110 |
| New Jersey | $147 | $242 |
| New Mexico | $74 | $165 |
| New York | $111 | $199 |
| North Carolina | $73 | $142 |
| North Dakota | $54 | $119 |
| Ohio | $68 | $131 |
| Oklahoma | $84 | $185 |
| Oregon | $110 | $193 |
| Pennsylvania | $78 | $184 |
| Rhode Island | $109 | $194 |
| South Carolina | $90 | $169 |
| South Dakota | $49 | $148 |
| Tennessee | $70 | $143 |
| Texas | $112 | $229 |
| Utah | $97 | $164 |
| Vermont | $40 | $95 |
| Virginia | $84 | $137 |
| Washington | $81 | $151 |
| West Virginia | $78 | $159 |
| Wisconsin | $60 | $131 |
| Wyoming | $33 | $101 |
How to Lower the Cost of Kia Sportage Insurance
These tips help you lower your Kia Sportage insurance costs without sacrificing the coverage you need:
- 1Choose the right coverage
You'll need to decide how much coverage to buy for your Kia Sportage based on your ownership situation. Own your vehicle? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection?
Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance from your lender.
- 2Research costs and cheap companies
Learn what you should pay by researching average auto insurance costs for compact SUVs like your Sportage. This benchmark assists with finding the cheapest car insurance companies that offer competitive rates. Understanding typical costs for your vehicle type helps you identify genuinely affordable options versus overpriced policies when comparing quotes from different insurers.
- 3Look for more than just low rates
Finding quality car insurance means evaluating insurers beyond their quotes alone. Check J.D. Power satisfaction ratings, examine forum discussions about claims processing, review Better Business Bureau complaints and confirm AM Best financial stability ratings. Budget options might offer limited coverage or slower customer service when you need to file a claim.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your specific situation and driving profile. Kia Sportage owners often qualify for safety features discounts, good driver discounts, multi-vehicle savings and bundling discounts when combining auto and home policies. These reductions can lower your annual premiums without sacrificing necessary coverage levels.
- 5Consider alternative car insurance types
Kia Sportage owners might benefit from usage-based insurance programs that track your driving habits. Options like Progressive Snapshot or Allstate Drivewise monitor safe driving behaviors and deliver premium reductions based on your actual road performance. These programs work especially well for careful drivers with low annual mileage.
- 6Check rates every year
Obtain car insurance quotes from multiple companies annually to ensure you're getting competitive pricing. Your current insurer doesn't notify you when competitors lower their rates, so regular comparisons could save up to 24% on your Kia Sportage insurance. Market conditions and company pricing strategies change frequently, making annual reviews essential.
Kia Sportage Insurance Cost: Bottom Line
Kia Sportage insurance runs average in cost, but you can still secure decent rates. Compare quotes from multiple insurers, claim available discounts and adjust your coverage options to find better pricing.
Kia Sportage Insurance Rates: FAQ
What is the average cost of car insurance for a Kia Sportage?
Insurance for a Kia Sportage costs $1,090 annually for state minimum coverage and $2,111 yearly for full coverage. These rates represent the national average across different insurance providers.
What company has the cheapest car insurance for a Kia Sportage?
GEICO provides the most affordable auto insurance for Kia Sportage owners at $719 annually for minimum coverage. The company also delivers the best value for full coverage at $1,560 per year.
Are Kia Sportages expensive to insure?
No, Kia Sportage insurance is not expensive compared to other vehicles. Among SUVs specifically, this model ranks 95th out of 256 for affordability, while it places 381st out of 827 total vehicles we track.
What factors affect insurance costs for Kia Sportages?
Various factors affect your Kia Sportage insurance premiums. Your personal driving history, credit score, and selected coverage levels influence rates. The vehicle's safety features, repair costs, and theft rates in your area also impact what insurers charge for coverage.
How can I lower Kia Sportage insurance costs?
Compare quotes from multiple insurers since Kia Sportage pricing differs between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle policies with the same carrier, and maintain a clean driving record to secure better rates.
How We Determined Kia Sportage Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine the most accurate Kia Sportage insurance costs.
Who We Based These Rates On
These Kia Sportage prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.