Insurance costs for a Kia Sportage average $176 monthly for full coverage and $91 for minimum coverage. Depending on the trim and model year, costs can range from $42 to $273 monthly.
Kia Sportage Insurance Cost
Updated: May 9, 2026
Key Takeaways
GEICO offers the most affordable rates for Kia Sportage owners on average, though full coverage insurance costs around $176 a month and varies by model year and insurer choice. Read more.
The Sportage ranks 95th out of 256 SUVs for insurance affordability, placing it in the middle tier among SUVs. SUVs tend to carry higher premiums than other vehicle types due to increased repair costs and accident damage potential. Read more.
Your Sportage's model year makes a difference in insurance rates if you're adding a teen driver to your policy. Read MoneyGeek's analysis of rates by company for specific Sportage model years depending on the age of the drivers.
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.
Monthly premiums for a Kia Sportage range from $42 for older models to $217 for the newest ones. Like most vehicles, your car's age greatly affects insurance costs since newer Sportages have higher fair market values that cost more to replace.
| 2000 | $67 | $128 |
| 2001 | $42 | $81 |
| 2002 | $45 | $87 |
| 2005 | $74 | $142 |
| 2006 | $76 | $146 |
| 2007 | $85 | $163 |
| 2008 | $91 | $174 |
| 2009 | $98 | $189 |
| 2010 | $84 | $162 |
| 2011 | $84 | $162 |
| 2012 | $94 | $181 |
| 2013 | $93 | $181 |
| 2014 | $99 | $192 |
| 2015 | $98 | $189 |
| 2016 | $94 | $183 |
| 2017 | $96 | $187 |
| 2018 | $96 | $185 |
| 2019 | $93 | $180 |
| 2020 | $92 | $178 |
| 2021 | $60 | $116 |
| 2022 | $68 | $131 |
| 2023 | $89 | $172 |
| 2024 | $109 | $211 |
| 2025 | $111 | $216 |
| 2026 | $112 | $217 |
Insurance costs for a Kia Sportage depend on model year and company. Full coverage runs from $130 a month with GEICO to $327 with AIG, while minimum coverage runs from $60 with GEICO to $148 with UAIC.
Kia Sportage owners can save by comparing insurers, as minimum coverage varies by more than $124 and full coverage by more than $326. Each company calculates risk differently for the Sportage, affecting your final quote.
| AAA | $152 | $316 |
| AIG | $200 | $505 |
| Allstate | $162 | $316 |
| Amica | $169 | $346 |
| Chubb | $195 | $388 |
| Farmers | $200 | $354 |
| Geico | $83 | $179 |
| Kemper | $137 | $274 |
| Nationwide | $184 | $318 |
| Progressive | $160 | $301 |
| State Farm | $130 | $270 |
| The Hartford | $137 | $233 |
| Travelers | $141 | $262 |
| UAIC | $207 | $260 |
Is Kia Sportage Expensive to Insure?
MoneyGeek's analysis of 256 SUVs places the Kia Sportage 95th for insurance affordability, meaning 94 models cost less to insure. It sits between the Volvo XC60 and the Subaru Solterra, with a few dollars' difference a month between these comparable vehicles.
The Sportage performs better in the broader market at 381st out of 827 total vehicles, landing in the top half for affordability. SUVs carry higher insurance costs overall, with the Isuzu Amigo the cheapest to insure and the Audi SQ8 e-tron the most expensive in the category.
| 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 |
Multiple factors affect what you'll pay for Kia Sportage insurance:
- Average repair or replacement costs: The Sportage ranks as Kia's 11th most affordable model to maintain out of 21, with repair costs averaging $750 annually, which keeps insurance premiums relatively low.
- Vehicle trim, features and accessories: Performance capabilities vary across trims, with horsepower ranging from 187 to 281. Higher-performance variants with more powerful engines tend to carry higher insurance premiums.
- Driver profile: Most Sportage owners fall between 30 and 50 years old with a median age around 40, earning lower rates due to responsible driving habits. 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 model year of your Kia Sportage affects insurance costs, along with driver age. A 35- to 55-year-old driver with a 2017 Kia Sportage pays around $202 a month for full coverage, while the same driver pays $248 a month for a 2026 model. Teen drivers and those in their early twenties will see higher premiums across all model years due to their increased risk profile.
GEICO offers the cheapest rates across all Kia Sportage model years. Comparing insurers could save you hundreds of dollars a month compared to average rates.
Recent model years:
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
Insurance costs for a Kia Sportage run from $44 a month for minimum coverage on base Limited Sport Utility 4D models to $273 for full coverage on X-Line Prestige variants. Performance features and market value determine where each trim falls in that range.
| 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
Kia Sportage insurance costs vary by location, running from $33 a month in Wyoming to $177 in Louisiana for minimum coverage. The difference reflects each state's risk factors and insurance regulations, not the Sportage 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 proven strategies help you find better rates on your Kia Sportage insurance:
- 1Choose the right coverage
Decide how much coverage to buy for your Kia Sportage based on your ownership status. If you own your Sportage outright, meet your state's minimum liability requirements and add comprehensive and collision with a $1,000 deductible to lower premiums.
For more protection, 100/300/100 liability with comprehensive and collision at a $500 deductible is a good option. If you're financing or leasing, most lenders require 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Know what to expect by checking average auto insurance costs for compact SUVs. That data gives you a baseline when comparing rates from the cheapest car insurance companies. Knowing typical costs helps you spot good deals when comparing quotes from insurers in your area.
- 3Look for more than just low rates
A reliable car insurance company is worth more than the cheapest option. J.D. Power satisfaction ratings, forum feedback on claims handling, Better Business Bureau complaints and AM Best financial strength ratings all point to how an insurer performs when it counts. Lower-cost insurers may offer limited coverage or slower service at claim time.
- 4Take advantage of available discounts
Car insurance discounts can reduce what you pay for Kia Sportage coverage. Owners often qualify for safety feature discounts, multi-vehicle savings, bundling discounts and good driver rewards. Combined, these can noticeably lower your annual premiums.
- 5Try other types of car insurance coverage
Kia Sportage owners might benefit from usage-based insurance programs. Options like Progressive Snapshot telematics or Allstate Drivewise safe driving apps track your driving habits and offer premium reductions. These programs reward careful drivers with lower rates based on actual driving behavior rather than demographics.
- 6Check rates every year
Pull car insurance quotes from multiple companies each year. Your insurer won't notify you when competitors lower their prices, so yearly comparisons could save up to 24% on Kia Sportage insurance. Market conditions change, and rates from last year may no longer be the best available.
Kia Sportage Insurance Cost: Bottom Line
Kia Sportage insurance falls in the mid-range for cost, but decent rates are available. Get quotes from multiple insurers and claim available discounts to help lower your premium.
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 and driver profiles.
What company has the cheapest car insurance for a Kia Sportage?
GEICO offers the most affordable car insurance for a Kia Sportage, with minimum coverage at $996 annually. The company also offers the best value for full coverage at $2,148 a year.
Are Kia Sportages expensive to insure?
No, Kia Sportage insurance is not expensive compared to other vehicles. Among SUVs, this model ranks 95th out of 256 for affordability and 381st out of 827 total vehicles we track.
What factors affect insurance costs for Kia Sportages?
Multiple factors affect Kia Sportage insurance rates. The vehicle's moderate theft rates and affordable repair costs from common parts help keep premiums reasonable, while strong safety ratings further reduce costs. Your driving record, credit score, and coverage selections remain the biggest determinants of your final premium.
How can I lower Kia Sportage insurance costs?
Compare quotes from multiple insurers since Kia Sportage costs differ between companies, and look into usage-based programs that monitor your driving behavior. Claim available discounts, bundle policies and keep your driving record clean for 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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.) and began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!