Kia Sportage insurance costs average $91 monthly for minimum coverage and $176 per month for full coverage. Depending on your particular trim and model year, costs can range from $38 for a 2001 Kia Sportage to $276 monthly for a 2025 Kia Sportage.
Kia Sportage Insurance Cost
Updated: December 29, 2025
Key Takeaways
Kia Sportage insurance costs start around $89 monthly for basic coverage but can reach $276 for comprehensive protection, depending on your model year and trim level.
The Sportage ranks 381st out of 827 vehicle models for insurance affordability in the U.S. market, placing it in the middle tier for coverage costs nationwide.
GEICO provides the most affordable Kia Sportage coverage with full protection starting at $130 monthly and basic minimum coverage policies beginning at $60 monthly.
How Much Is Kia Sportage Insurance?
| Kia Sportage | $91 | $176 |
Kia Sportage Insurance Cost by Model Year
Your vehicle's model year and available trims directly impact your insurance rates, with newer models costing more due to higher replacement values. Monthly premiums for Kia Sportage models range from $42 for older years to $217 for the newest versions.
| 2026 | $112 | $217 |
| 2025 | $111 | $216 |
| 2024 | $109 | $211 |
| 2023 | $89 | $172 |
| 2022 | $68 | $131 |
| 2021 | $60 | $116 |
| 2020 | $92 | $178 |
| 2019 | $93 | $180 |
| 2018 | $96 | $185 |
| 2017 | $96 | $187 |
| 2016 | $94 | $183 |
| 2015 | $98 | $189 |
| 2014 | $99 | $192 |
| 2013 | $93 | $181 |
| 2012 | $94 | $181 |
| 2011 | $84 | $162 |
| 2010 | $84 | $162 |
| 2009 | $98 | $189 |
| 2008 | $91 | $174 |
| 2007 | $85 | $163 |
| 2006 | $76 | $146 |
| 2005 | $74 | $142 |
| 2002 | $45 | $87 |
| 2001 | $42 | $81 |
| 2000 | $67 | $128 |
Kia Sportage Insurance Cost by Trim
Your Kia Sportage trim affects insurance rates based on features, market value and replacement costs. Monthly premiums vary widely across trim levels, ranging from $44 to $273 per month according to our analysis. Higher-end trims with advanced features cost more to insure than base models.
| 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 Company
Kia Sportage insurance costs vary by provider from $95 to $229 monthly. Minimum coverage ranges from $60 to $148, while full coverage costs $130 to $327. Rates vary due to different risk assessment models.
| 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 |
Kia Sportage Insurance Cost by State
Kia Sportage insurance costs vary dramatically by location, ranging from $33 monthly in Wyoming to $378 in Louisiana.
| 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 |
Kia Sportage Insurance Cost by Driver Profile
Your age and driving record heavily influence Kia Sportage insurance costs. Young drivers under 25 with clean records pay around $338 monthly, while adults between 26-64 without violations enjoy rates as low as $133 per month.
| Adult Drivers | $91 | $176 |
| Young Drivers | $232 | $444 |
| Senior Drivers | $121 | $222 |
| Drivers With a Speeding Ticket | $113 | $221 |
| Drivers With an Accident | $134 | $257 |
| Drivers With a DUI | $167 | $319 |
| Drivers With Bad Credit | $218 | $438 |
Is a Kia Sportage Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Kia Sportage ranks 381st out of 827, placing it around the average for car insurance. Among compact crossover SUVs, the model falls a little bit above the average compared to similar vehicles.
| Saturn Vue | $61 | $118 |
| Chevrolet Captiva | $72 | $139 |
| Toyota Matrix | $75 | $144 |
| Ford Escape | $76 | $147 |
| Honda Element | $76 | $147 |
| Vinfast VF-7 | $75 | $147 |
| Jeep Patriot | $82 | $158 |
| Mitsubishi Eclipse Cross | $82 | $160 |
| Subaru Crosstrek | $83 | $162 |
| Volkswagen Tiguan | $84 | $162 |
| Gmc Terrain | $85 | $163 |
| Subaru Forester | $85 | $164 |
| Hyundai NEXO | $88 | $170 |
| Honda HR-V | $89 | $171 |
| Hyundai Ioniq 5 | $90 | $177 |
| Kia Sportage | $91 | $176 |
| Mazda CX-5 | $91 | $177 |
| Toyota RAV4 | $92 | $178 |
| Hyundai Ioniq Hybrid | $92 | $178 |
| Honda CR-V | $92 | $178 |
| Toyota bZ4X | $94 | $183 |
| Mitsubishi Outlander | $98 | $190 |
| Mazda CX-50 | $101 | $197 |
| Chevrolet Trax | $102 | $197 |
| Hyundai Ioniq Electric | $104 | $201 |
| Dodge Hornet | $116 | $226 |
| Toyota Corolla Cross | $120 | $231 |
Factors That Affect Kia Car Insurance Costs
Several factors affect what you'll pay for Kia Sportage insurance coverage:
- Age (under 25): Younger drivers pay higher rates due to lower driving experience and higher risk.
- Driving record: A clean history lowers premiums; tickets, accidents or claims increase noticeably.
- Gender/risk behavior: Male drivers may have higher premiums, particularly for higher trims or more powerful options.
- Usage and annual mileage: More miles driven, frequent driving in riskier areas, towing, or adventurous/off-road use tend to increase insurance costs.
Average Repair or Replacement Costs
Kia ranks fifth in repair affordability among 59 U.S. automakers with median annual costs of $612. Kia Sportage repair costs average $750 annually, making it a more expensive Kia model to repair.
Vehicle Trim, Features and Accessories
The 2025 Kia Sportage comes in several trims like LX, EX, X-Line AWD, SX, SX Prestige, X-Pro, and X-Pro Prestige. Lower trims include basic but modern features: touchscreen infotainment, driver-assist safety tech, cloth or synthetic seating and standard LED lighting.
Higher trims add luxury and off-road/rugged styling: all-wheel drive, terrain modes, panoramic sunroof, upgraded audio systems, heated and ventilated seats and premium displays.
Fuel Type
Most Sportage versions run on gasoline. Fuel economy is reasonable in base and mid-trims, but drops for heavier trims, AWD, and when using performance or off-road geared options.
Location
Insurance and repair costs vary by region. Urban zones typically pay more for insurance because of increased accident/theft risk.
Parts/labor cost higher in metro areas. Remote or rural areas may have fewer specialist repair shops, potentially increasing wait times or premiums for AWD / specialty trims.
Driver Profile
These driver traits tend to affect Kia Sportage insurance rates:
How to Lower the Cost of Kia Sportage Insurance
We break down the best way to buy car insurance for your Kia Sportage:
- 1Choose the right coverage
You'll need to determine how much coverage to buy. If you own your Kia, you can purchase your state's minimum liability requirements and add comprehensive and collision with a $1,000 deductible to reduce costs. If you want better protection, consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. If you're financing or leasing, your lender requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, and gap insurance.
- 2Research costs and cheap companies
Researching average auto insurance costs for your car will give you an idea of how much you're saving currently and with another provider. You can then look for the cheapest car insurance companies.
- 3Look for more than just low rates
To get the most balanced car insurance for your Kia Sportage, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles. Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. We found that Kia Sportage owners are likely to qualify for a safety features discount, a multi-vehicle discount, a bundling/multi-policy discount, a good driver discount and an anti-theft device discount.
- 5Consider alternative car insurance types
Kia Sportage owners should consider usage-based insurance or programs like GEICO DriveEasy that reward safe driving habits with lower premiums.
- 6Check rates every year
Comparing car insurance quotes from multiple sources can cut your Kia Sportage insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Kia Sportage Insurance Cost: Bottom Line
Insuring a Kia Sportage costs about average. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Kia Sportage Insurance Rates: FAQ
Here are answers to common questions about insuring a Kia Sportage.
What is the average cost of car insurance for a Kia Sportage?
The Kia Sportage's average annual insurance cost is $1,090 for state minimum and $2,111 for full coverage.
What company has the cheapest car insurance for a Kia Sportage?
When shopping for Sportage insurance, GEICO offers the most affordable full coverage with monthly premiums averaging $130. GEICO also provides the cheapest minimum coverage for Sportage owners at just $60 monthly.
Are Kia Sportages expensive to insure?
Compared to the rest of the models on the U.S. market, a Kia Sportage ranks 381st out of 827, placing it around the average for car insurance. Among compact crossover SUVs, the model falls a little bit above the average compared to similar vehicles.
What factors affect insurance costs for Kia Sportages?
Several factors affect your Kia Sportage insurance rates, including your driving record, credit score, and the coverage level you choose. Location plays a role in areas with higher theft rates or weather-related risks, resulting in increased premiums.
Your specific model trim and year also impact costs, with newer models and higher trims like the X-Pro Prestige costing more to insure due to advanced features and higher replacement values.
How can I lower Kia Sportage insurance costs?
Shop around with multiple insurers as rates vary significantly for Kias, and consider usage-based insurance programs that track your driving habits. Take advantage of the Sportage's safety features, such as forward-collision avoidance, blind-spot monitoring and lane-keeping assist. when discussing discounts with insurers.
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 get you 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.