Is a Kia Sportage expensive to insure?

At an average annual rate of $2,452 for full coverage, a Kia Sportage is not very expensive to insure when compared to the national average of $2,671. Keep in mind, however, that Sportage insurance costs can vary depending on the age and trim level of your vehicle as well as personal risk factors.

Why are Kias so expensive to insure?

Insurance costs for certain Kia vehicles, including some older Sportage models, skyrocketed in recent years in response to a rash of vehicle thefts targeting base models of Kia vehicles manufactured between 2011 and 2021. Because these Kias lacked crucial security features, they were easy to steal, and as a result, insurance companies lost considerable money in the form of theft payouts. Since Kia has recently resolved many of these security issues, pricing for Kia insurance is typically more affordable.

Which SUV is the cheapest to insure?

Bankrate’s research revealed that the Subaru Outback and Subaru Forester are typically the cheapest SUVs to insure, at an average of $2,227 and $2,236 per year for full coverage, respectively. By comparison, full coverage for a Kia Sportage costs about 10 percent more than the same coverage for a Subaru Outback.

Car Insurance for Kia Sportage

How much does it cost to insure a Kia Sportage?

On average, full coverage auto insurance for a Kia Sportage costs $2,452 per year, according to average premium data from Quadrant Information Services. That’s about 8 percent less than the national average, and in line with the Sportage’s affordable pricing.

Keep in mind that car insurance rates vary due to a wide variety of factors. Vehicle-related pricing factors may include the average cost of repair and replacement components, safety ratings from third-party and governmental organizations and any customizations or upgrades included in your vehicle.

$2,452 Avg annual full coverage
insurance premium

$809 Avg annual min coverage
insurance premium

Manufacturer’s suggested retail price (MSRP): $28,690

Trims available: LX, EX, X-Line, SX, SX Prestige, X-Pro Prestige

Repair costs

CarEdge estimates that the Kia Sportage’s maintenance and repair costs during the first 10 years of ownership may outpace the average for other SUVs. Because full coverage insurance premiums may take repair costs into account, you might see higher premiums.

Safety features

All Sportage models come with a robust suite of safety features, including driver attention warnings and adaptive cruise control, which may reduce the risk of accidents as well as the price of insurance.

Crash ratings

The 2025 Kia Sportage earned a Top Safety Pick designation from the Insurance Institute for Highway Safety, making it among the safer vehicles on the road and a more affordable SUV to insure.

Cheapest car insurance companies for a Kia Sportage

Finding the most affordable car insurance for your Kia Sportage requires comparing personalized quotes based on your location, personal information and driving history. To get you started, Bankrate compiled average premiums from top-rated insurance providers to identify carriers with broad national or regional reach that consistently offer competitive rates for Sportage owners without sacrificing financial strength, discounts or quality of coverage.

How much does it cost to insure my Kia Sportage?

The carriers listed below offer some of the cheapest rates for Kia Sportage car insurance, according to Bankrate’s analysis.

2023 Kia Sportage car insurance premium by carrier


Auto-Owners	$1,818	- $634
Nationwide	$1,676	- $776
Progressive	$1,854	- $598
Geico	$1,956	- $496
Travelers	$2,026	- $426

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Other car insurance coverage for a Kia Sportage

Sticking to basic policy options such as state minimum coverage or a full coverage policy without endorsements may keep costs low for Kia Sportage insurance, but it’s worth considering all your insurance needs. When shopping, you may want to work with a licensed insurance professional to determine how much coverage to carry, including some of the following options:

High liability limits: Only buying the minimum or default amount of liability coverage offered by an insurance company could leave you exposed to significant out-of-pocket expenses if you’re found at fault in an accident. To make sure you’re covered, consider raising your liability limits to exceed your total assets.
Gap insurance: If your new Sportage is financed and gets totaled or stolen shortly after purchase, you could end up owing more on the remaining auto loan than your insurance payout is worth. To prevent this, consider adding gap coverage to your insurance policy — it’s often cheaper than the gap protection offered by dealerships.
Comprehensive coverage: If you own your Sportage outright, you’re not required to carry comprehensive coverage. But for certain older Sportage models with a high risk of theft, maintaining comprehensive coverage may be an important defense against loss.

How to get a Kia Sportage car insurance quote

You can get an insurance quote for your car online, over the phone or in person, depending on the insurer. If you're in the market for a new vehicle, comparing quotes before you sign on the dotted line can help you determine how different models would fit into your budget. Here’s a step-by-step guide to gathering and comparing quotes:

Gather personal details: You’ll likely be asked to provide your name, address, date of birth and driver’s license number, as well as the make, model and year of your car — and potentially the vehicle identification number (VIN). If you haven't purchased a car yet, you may be able to get sample quotes by providing an agent with the make and model.
Use online quote tools: To expedite the process of shopping around, you might consider using comparison websites or apps that allow you to get quotes from multiple insurers at once. Alternatively, go directly to insurance company websites and use their online quote tools to receive personalized quotes.
Provide driver details and mileage: You could be asked for specific details about your vehicle, including add-on features or modifications. You might also need to provide your average annual mileage and how the vehicle is primarily used (e.g., for business purposes or personal use). Additionally, you’ll need to provide accurate information about all drivers who will be covered by the policy, including their driving history, age and relationship to you.
Review quotes: Compare the quotes you receive, paying attention to coverage options, limits, deductibles and overall cost. Insurance experts also recommend reviewing customer service scores, financial strength ratings, digital tools and customer reviews to get a holistic view of how a carrier will meet your needs.
Select carrier and apply: Choose the insurance policy that best fits your needs and budget. Complete the application process by providing any additional required information and making your first premium payment.

Compare Kia Sportage with other similar cars

Kia Sportage Avg annual full coverage premium $2,452 Read More	Subaru Forester Avg annual full coverage premium $2,236 Read More	Nissan Rogue Avg annual full coverage premium $2,549 Read More
Price (MSRP)
$28,690	$29,995	$28,590
NHTSA Safety rating The NHTSA uses a 5-star rating program to evaluate how vehicles perform in crash tests based on frontal, side and rollover collisions.
5 stars	5 stars	5 stars
Gas mileage
25-32 mpg	26-33 mpg	30-37 mpg
IIHS/HLDI Collision insurance losses The IIHS and HLDI collect data on how insurance losses for specific models compare to the average for all passenger vehicles. These results are adjusted for deductible and specifically for collision claim losses.
Average	Substantially better than average	Average

Frequently asked questions

At an average annual rate of $2,452 for full coverage, a Kia Sportage is not very expensive to insure when compared to the national average of $2,671. Keep in mind, however, that Sportage insurance costs can vary depending on the age and trim level of your vehicle as well as personal risk factors.
Insurance costs for certain Kia vehicles, including some older Sportage models, skyrocketed in recent years in response to a rash of vehicle thefts targeting base models of Kia vehicles manufactured between 2011 and 2021. Because these Kias lacked crucial security features, they were easy to steal, and as a result, insurance companies lost considerable money in the form of theft payouts. Since Kia has recently resolved many of these security issues, pricing for Kia insurance is typically more affordable.
Bankrate’s research revealed that the Subaru Outback and Subaru Forester are typically the cheapest SUVs to insure, at an average of $2,227 and $2,236 per year for full coverage, respectively. By comparison, full coverage for a Kia Sportage costs about 10 percent more than the same coverage for a Subaru Outback.

Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.