Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used Kia Sportage? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Kia Sportage car insurance facts

  • Average full coverage auto insurance premium: $120/month

  • Most affordable companies: Auto-Owners Insurance ($79/month) & Texas Farm Bureau ($82/month)

  • Sportage car insurance cost vs. average rates: $14 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Kia Sportage by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Kia Sportage insurer costs by state:

Risk factors affecting Kia Sportage car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Kia Sportage car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Kia models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Kia automobile brand

Kia Corporation is a South Korean multinational automaker specializing in affordable sport utility vehicles (SUVs) and exceptional reliability for the United States market. Kia is the second-largest auto manufacturer in South Korea after Hyundai. The target audience of Kia is young couples that are physically active with a high interest in new technology. All Kia automobiles have high safety ratings, with many of their cars getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Kia Forte, Kia Soul, Optima, and Kia Sorento are some of their most popular vehicles.

High Kia Sportage repair costs equal high coverage rates

Many consumers are attracted to Kia’s high-tech innovations and features, increased value for the money, and driver-assist technologies, like Kia’s DriveWise safety features. Automotive parts are common but generally more expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Kia is higher than average since repair parts are slightly more expensive. For this reason, many Kias are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Kia Sportage affecting auto policies

Another factor to consider for Kia is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Kia models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Kia IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Kias are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Kia’s DriveWise technology innovations and safety, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Kia models. The Kia Forte, Stinger, Sportage, and Sorento are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Kia automobiles top safety ratings each year lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Kia automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Kia Sportage

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1857
Acuity$1822
Allstate$1430
Auto-Owners$957
Direct Auto$1790
Erie$1121
GEICO$1170
Kentucky Farm Bureau$1641
Liberty Mutual$1380
Nationwide$1322
Progressive$1531
Safe Auto$1460
State Farm$1213
Tennessee Farmers$1074
Texas Farm Bureau$1011
The Hanover$1742
Travelers$1280
USAA$1245

Compare all 2021 Kia Sportage rates

Average Cost to Insure Per Year

$1430

List Price

$24090

Trims Available

LX - EX - SX Turbo - Base Engine: 2.4-liter four-cylinder at 181 horsepower with driver assist technologies (Kia Drive WiSE): Blind-Spot Collision Avoidance Assist-Rear (BCA-R), Forward Collison-Avoidance Assist (FCA), Lane Keep Assist (LKA), Rear Cross-Traffic Collison-Avoidance (RCCA), Safe Exit Assist (SEA), Adaptive Cruise Control with stop-and-go capability, automatic forward emergency braking, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes. Brake Assist, Daytime Running Lights, Integrated Turn Signal Mirrors

2020 Kia Sportage

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1830
Allstate$1416
Auto-Owners$946
Erie$1086
Farmers$1625
GEICO$1109
Liberty Mutual$1338
Mercury$1526
Nationwide$1260
Progressive$1600
State Farm$1140
Tennessee Farmers$1066
Texas Farm Bureau$980
The Hanover$1740
Travelers$1216
USAA$1150

Compare all 2020 Kia Sportage rates

Average Cost to Insure Per Year

$1426

List Price

$23990

Trims Available

LX - EX - SX Turbo - Base Engine: 2.4-liter four-cylinder at 181 horsepower with driver assist technologies (Kia Drive WiSE): Blind-Spot Collision Avoidance Assist-Rear (BCA-R), Forward Collison-Avoidance Assist (FCA), Lane Keep Assist (LKA), Rear Cross-Traffic Collison-Avoidance (RCCA), Safe Exit Assist (SEA), Adaptive Cruise Control with stop-and-go capability, automatic forward emergency braking, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes. Brake Assist, Daytime Running Lights, Integrated Turn Signal Mirrors

2019 Kia Sportage

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1820
Allstate$1415
Auto-Owners$936
Erie$1080
GEICO$1105
Kentucky Farm Bureau$1684
Liberty Mutual$1332
Mercury$1490
Nationwide$1257
Progressive$1587
State Farm$1123
Tennessee Farmers$1062
Texas Farm Bureau$978
The Hanover$1735
Travelers$1190
USAA$1148

Compare all 2019 Kia Sportage rates

Average Cost to Insure Per Year

$1411

List Price

$23750

Trims Available

LX - EX - SX Turbo - Base Engine: 2.4-liter four-cylinder at 181 horsepower with driver assist technologies (Kia Drive WiSE): Blind-Spot Collision Avoidance Assist-Rear (BCA-R), Forward Collison-Avoidance Assist (FCA), Lane Keep Assist (LKA), Rear Cross-Traffic Collison-Avoidance (RCCA), Safe Exit Assist (SEA), Adaptive Cruise Control with stop-and-go capability, automatic forward emergency braking, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes. Brake Assist, Daytime Running Lights, Integrated Turn Signal Mirrors

2018 Kia Sportage

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1183
Acuity$ 1183
Allied$ 1033
Allied$ 1033
Arbella$ 1278
Arbella$ 1278
Country$ 1234
Country$ 1234
Erie$ 1045
Erie$ 1045
GEICO$ 1146
GEICO$ 1146
Mercury$ 1214
Mercury$ 1214
Nationwide$ 1176
Nationwide$ 1176
Progressive$ 1088
Progressive$ 1088
Tennessee Farmers$ 966
Tennessee Farmers$ 966
USAA$ 1002
USAA$ 1002
Vermont Mutual$ 1087
Vermont Mutual$ 1087

Compare all 2018 Kia Sportage rates

Average Cost to Insure Per Year

$ 1405

List Price

$ 23600

Trims Available

LX - EX - SX Turbo

2017 Kia Sportage

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1145
Acuity$ 1145
Allied$ 1114
Allied$ 1114
Arbella$ 1185
Arbella$ 1185
Country$ 1184
Country$ 1184
Erie$ 956
Erie$ 956
GEICO$ 941
GEICO$ 941
Progressive$ 1003
Progressive$ 1003
State Farm$ 1189
State Farm$ 1189
Tennessee Farmers$ 953
Tennessee Farmers$ 953
Texas Farm Bureau$ 830
Texas Farm Bureau$ 830
USAA$ 1040
USAA$ 1040
Vermont Mutual$ 1014
Vermont Mutual$ 1014

Compare all 2017 Kia Sportage rates

Average Cost to Insure Per Year

$ 1138

List Price

$ 23200

Trims Available

LX - EX - SX Turbo

2016 Kia Sportage

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1090
Acuity$ 1090
Allied$ 1051
Allied$ 1051
Arbella$ 1125
Arbella$ 1125
Country$ 1121
Country$ 1121
Erie$ 960
Erie$ 960
GEICO$ 866
GEICO$ 866
Nationwide$ 1108
Nationwide$ 1108
Progressive$ 936
Progressive$ 936
Tennessee Farmers$ 927
Tennessee Farmers$ 927
Texas Farm Bureau$ 800
Texas Farm Bureau$ 800
USAA$ 970
USAA$ 970
Vermont Mutual$ 944
Vermont Mutual$ 944

Compare all 2016 Kia Sportage rates

Average Cost to Insure Per Year

$ 1081

List Price

$ 22150

Trims Available

LX - EX - SX

2015 Kia Sportage

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1050
Acuity$ 1050
Allied$ 1059
Allied$ 1059
Country$ 1094
Country$ 1094
Erie$ 928
Erie$ 928
GEICO$ 785
GEICO$ 785
Nationwide$ 1116
Nationwide$ 1116
Progressive$ 923
Progressive$ 923
State Farm$ 1045
State Farm$ 1045
Tennessee Farmers$ 926
Tennessee Farmers$ 926
Texas Farm Bureau$ 785
Texas Farm Bureau$ 785
USAA$ 920
USAA$ 920
Vermont Mutual$ 895
Vermont Mutual$ 895

Compare all 2015 Kia Sportage rates

Average Cost to Insure Per Year

$ 1032

List Price

$ 21750

Trims Available

LX - EX - SX

2014 Kia Sportage

Cheapest Insurance CompaniesAverage Annual Cost
ALFA$ 986
ALFA$ 986
Allied$ 853
Allied$ 853
Allstate$ 969
Allstate$ 969
American Family$ 905
American Family$ 905
Erie$ 661
Erie$ 661
GEICO$ 613
GEICO$ 613
Nationwide$ 861
Nationwide$ 861
Progressive$ 330
Progressive$ 330
State Farm$ 475
State Farm$ 475
Texas Farm Bureau$ 756
Texas Farm Bureau$ 756
USAA$ 615
USAA$ 615
Vermont Mutual$ 753
Vermont Mutual$ 753

Compare all 2014 Kia Sportage rates

Average Cost to Insure Per Year

$ 722

List Price

$ 21600

Trims Available

LX - EX - SX

2013 Kia Sportage

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 952
Acuity$ 952
Allied$ 1034
Allied$ 1034
American Family$ 1026
American Family$ 1026
Arbella$ 981
Arbella$ 981
Erie$ 823
Erie$ 823
GEICO$ 617
GEICO$ 617
Progressive$ 829
Progressive$ 829
State Farm$ 982
State Farm$ 982
Tennessee Farmers$ 846
Tennessee Farmers$ 846
Texas Farm Bureau$ 697
Texas Farm Bureau$ 697
USAA$ 801
USAA$ 801
Vermont Mutual$ 778
Vermont Mutual$ 778

Compare all 2013 Kia Sportage rates

Average Cost to Insure Per Year

$ 930

List Price

$ 19000

Trims Available

Base - LX - EX - SX

2012 Kia Sportage

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 909
Acuity$ 909
Allied$ 963
Allied$ 963
American Family$ 994
American Family$ 994
Arbella$ 1001
Arbella$ 1001
Erie$ 789
Erie$ 789
GEICO$ 590
GEICO$ 590
Progressive$ 792
Progressive$ 792
State Farm$ 877
State Farm$ 877
Tennessee Farmers$ 824
Tennessee Farmers$ 824
Texas Farm Bureau$ 659
Texas Farm Bureau$ 659
USAA$ 774
USAA$ 774
Vermont Mutual$ 739
Vermont Mutual$ 739

Compare all 2012 Kia Sportage rates

Average Cost to Insure Per Year

$ 883

List Price

$ 18500

Trims Available

Base - LX - EX - SX

2011 Kia Sportage

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 1000
Allied$ 1000
American Family$ 999
American Family$ 999
Arbella$ 893
Arbella$ 893
Country$ 1003
Country$ 1003
Erie$ 744
Erie$ 744
GEICO$ 574
GEICO$ 574
Progressive$ 766
Progressive$ 766
State Farm$ 961
State Farm$ 961
Tennessee Farmers$ 811
Tennessee Farmers$ 811
Texas Farm Bureau$ 667
Texas Farm Bureau$ 667
USAA$ 748
USAA$ 748
Vermont Mutual$ 705
Vermont Mutual$ 705

Compare all 2011 Kia Sportage rates

Average Cost to Insure Per Year

$ 882

List Price

$ 18295

Trims Available

Base - LX - EX - SX