KIA Sportage Car Insurance Cost 2025
Typically, the average cost of insurance for a KIA Sportage is $1,962 per year. However, your exact rate can vary based on several factors such as your age, location, driving history, the model year of your car, and the level of coverage you select. You can use the quote tables provided to estimate your specific insurance costs more accurately.
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Insuring a 2025 Kia Sportage typically costs around $1,962 annually for a 40-year-old driver with a clean record and good credit, based on full coverage estimates.
This figure is notably lower than the national average for popular SUV models, making the Sportage an economical choice in its class. However, actual insurance premiums can vary significantly due to factors such as the driver’s age, location, driving history, and the specific coverage options selected.
For instance, younger drivers or those with prior incidents may face higher rates, while bundling policies or maintaining a good credit score can lead to discounts. To ensure the most accurate and competitive rates, it’s advisable to compare quotes from multiple insurance providers.
How Much Does KIA Sportage Car Insurance Cost?
Yes, KIA Sportage drivers typically find car insurance at an average rate of $1,962 per year. However, this can fluctuate based on various factors like driving history, location, and the type of coverage chosen.
It’s true that the cost of car insurance can be influenced by several factors, such as location, driving history, vehicle model, and the coverage chosen. Urban areas with heavy traffic may lead to higher premiums, while rural areas might be more affordable. Similarly, comprehensive coverage, which covers a wider range of incidents, is typically more expensive than just basic liability coverage.
The KIA Sportage tends to have a lower insurance cost compared to other KIA models and cars in general. But remember, individual circumstances, such as the specific details of your driving and location, will ultimately affect your premium.
It’s always a good idea to compare quotes from different providers to find the best rate for your needs.
| Vehicle | Average Monthly Premium |
| KIA Sportage | $145 |
| All KIAs | $169 |
| All Cars | $175 |
Average Insurance Cost Of KIA Sportage By Model Year
| Model Year | Average Premium |
| 2025 KIA Sportage | $1,250 |
| 2024 KIA Sportage | $1,037 |
| 2023 KIA Sportage | $398 |
| 2022 KIA Sportage | $556 |
| 2021 KIA Sportage | $717 |
| 2020 KIA Sportage | $712 |
| 2019 KIA Sportage | $594 |
| 2018 KIA Sportage | $405 |
| 2017 KIA Sportage | $643 |
| 2016 KIA Sportage | $529 |
| 2015 KIA Sportage | $601 |
| 2014 KIA Sportage | $548 |
| 2013 KIA Sportage | $568 |
| 2012 KIA Sportage | $450 |
| 2011 KIA Sportage | $591 |
| 2010 KIA Sportage | $744 |
2025 KIA Sportage Insurance Rates
The average annual insurance cost for a 2025 KIA Sportage is $1,250. However, Nationwide offers the cheapest rates, averaging $1,023 per year.
| Insurance Provider | Average Annual Cost |
| GEICO | $1,137 |
| State Farm | $1,313 |
| Progressive | $1,088 |
| USAA | $1,263 |
| Nationwide | $1,023 |
| Allstate | $1,397 |
| Farmers Insurance | $1,314 |
| Liberty Mutual | $1,341 |
| American Family Insurance | $1,399 |
| Travelers | $1,223 |
2024 KIA Sportage Insurance Rates
The average annual insurance cost for a 2024 KIA Sportage is $1,710. However, Pekin Insurance offers the cheapest rates, averaging $583 per year.
| Insurance Provider | Average Annual Cost |
| First Chicago Insurance | $1,220 |
| Pekin Insurance | $583 |
| Country | $1,095 |
| Oregon Mutual | $1,320 |
| New York Central Mutual Fire | $596 |
| AssuranceAmerica Elite | $1,215 |
| USAA | $1,155 |
| AssuranceAmerica Economy | $978 |
| SECURA Insurance | $1,211 |
| Rockford Mutual Insurance | $994 |
2023 KIA Sportage Insurance Rates
The average annual insurance cost for a 2023 KIA Sportage is $398. However, NatGen Custom 360 offers the cheapest rates, averaging $40 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $40 |
| Buckeye Insurance Group | $457 |
| Texas Farm Bureau Group | $805 |
| Plymouth Rock | $233 |
| Victoria | $433 |
| Kemper Personal Insurance | $164 |
| Kemper Premium | $307 |
| Safeco | $282 |
| New York Central Mutual Fire | $658 |
| Mercury Insurance | $601 |
2022 KIA Sportage Insurance Rates
The average annual insurance cost for a 2022 KIA Sportage is $556. However, Jupiter Auto Insurance offers the cheapest rates, averaging $44 per year.
| Insurance Provider | Average Annual Cost |
| Jupiter Auto Insurance | $44 |
| Mercury Insurance | $204 |
| Safeco | $416 |
| Kemper Personal Insurance | $497 |
| NatGen Custom 360 | $579 |
| American National P | $566 |
| Buckeye Insurance Group | $812 |
| Victoria | $723 |
| Titan | $829 |
| Utica National Ins Group | $887 |
2021 KIA Sportage Insurance Rates
The average annual insurance cost for a 2021 KIA Sportage is $717. However, NatGen Value offers the cheapest rates, averaging $213 per year.
| Insurance Provider | Average Annual Cost |
| Capital Insurance Group | $1,022 |
| Victoria | $364 |
| AssuranceAmerica Mobile Max | $809 |
| PEMCO | $1,006 |
| National General Value | $1,063 |
| Rural Mutual Insurance | $971 |
| NatGen Value | $213 |
| Mercury Insurance | $877 |
| Safeco | $303 |
| NatGen PPA | $538 |
2020 KIA Sportage Insurance Rates
The average annual insurance cost for a 2020 KIA Sportage is $712. However, NatGen PPA offers the cheapest rates, averaging $226 per year.
| Insurance Provider | Average Annual Cost |
| Utica National Ins Group | $903 |
| PEMCO | $988 |
| NatGen PPA | $226 |
| American National P | $589 |
| Concord Group | $756 |
| Buckeye Insurance Group | $848 |
| Countryway Insurance | $992 |
| Mercury Insurance | $849 |
| NatGen Value | $545 |
| Safeco | $421 |
2019 KIA Sportage Insurance Rates
The average annual insurance cost for a 2019 KIA Sportage is $594. However, Kemper Personal Insurance offers the cheapest rates, averaging $219 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $498 |
| Mercury Insurance | $450 |
| AssuranceAmerica | $866 |
| NatGen Value | $935 |
| MMG Insurance Company | $819 |
| Dairyland Broadform | $563 |
| Kemper Personal Insurance | $219 |
| NatGen PPA | $334 |
| SECURA Insurance | $906 |
| Safeco | $347 |
2018 KIA Sportage Insurance Rates
The average annual insurance cost for a 2018 KIA Sportage is $405. However, Kemper Personal Insurance offers the cheapest rates, averaging $31 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $31 |
| Safeco | $89 |
| AssuranceAmerica Economy | $454 |
| Loya Insurance | $698 |
| Mercury Insurance | $610 |
| American National P | $410 |
| NatGen PPA | $386 |
| Kemper Premium | $398 |
| National General Value | $454 |
| AssuranceAmerica Elite | $515 |
2017 KIA Sportage Insurance Rates
The average annual insurance cost for a 2017 KIA Sportage is $643. However, Safeco offers the cheapest rates, averaging $109 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $795 |
| NatGen PPA | $416 |
| Loya Insurance | $800 |
| AssuranceAmerica Mobile Max | $545 |
| Kemper Auto | $761 |
| Safeco | $109 |
| American National P | $550 |
| Partners Mutual Insurance Co | $885 |
| AssuranceAmerica | $686 |
| Mercury Insurance | $878 |
2016 KIA Sportage Insurance Rates
The average annual insurance cost for a 2016 KIA Sportage is $529. However, Safeco offers the cheapest rates, averaging $143 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto Premier | $746 |
| AssuranceAmerica | $459 |
| Concord Group | $567 |
| Infinity Special | $525 |
| MMG Insurance Company | $736 |
| Safeco | $143 |
| Kemper Personal Insurance | $221 |
| Mercury Insurance | $360 |
| Patriot Group | $702 |
| Partners Mutual Insurance Co | $835 |
Find Affordable KIA Sportage Insurance Rates
2015 KIA Sportage Insurance Rates
The average annual insurance cost for a 2015 KIA Sportage is $601. However, Safeco offers the cheapest rates, averaging $106 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $106 |
| United Farm Bureau of IN Group | $785 |
| NatGen PPA | $634 |
| AssuranceAmerica | $586 |
| PEMCO | $786 |
| National General RAD | $595 |
| AssuranceAmerica Economy | $812 |
| Mercury Insurance | $408 |
| Atlantic States Insurance | $747 |
| Kemper Auto | Infinity | $547 |
2014 KIA Sportage Insurance Rates
The average annual insurance cost for a 2014 KIA Sportage is $548. However, Safeco offers the cheapest rates, averaging $142 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Broadform | $407 |
| Concord Group | $618 |
| Safeco | $142 |
| Kemper Personal Insurance | $317 |
| AssuranceAmerica Mobile Max | $344 |
| Patriot Group | $753 |
| MMG Insurance Company | $602 |
| SECURA Insurance | $741 |
| Clearcover | $749 |
| Plymouth Rock | $811 |
2013 KIA Sportage Insurance Rates
The average annual insurance cost for a 2013 KIA Sportage is $568. However, Safeco offers the cheapest rates, averaging $120 per year.
| Insurance Provider | Average Annual Cost |
| North Carolina Farm Bureau | $870 |
| Mercury Insurance | $484 |
| Dairyland Broadform | $757 |
| American National P | $439 |
| Kentucky Farm Bureau | $921 |
| Kemper Auto Premier | $310 |
| NatGen PPA | $353 |
| Buckeye Insurance Group | $895 |
| AssuranceAmerica Mobile Max | $530 |
| Safeco | $120 |
2012 KIA Sportage Insurance Rates
The average annual insurance cost for a 2012 KIA Sportage is $450. However, Safeco offers the cheapest rates, averaging $77 per year.
| Insurance Provider | Average Annual Cost |
| Concord Group | $531 |
| Mississippi Farm Bureau | $669 |
| Dairyland Broadform | $376 |
| Safeco | $77 |
| Patriot Group | $619 |
| MMG Insurance Company | $576 |
| Buckeye Insurance Group | $550 |
| Kemper Personal Insurance | $205 |
| NatGen Value | $178 |
| Ohio Mutual Ins Group | $714 |
2011 KIA Sportage Insurance Rates
The average annual insurance cost for a 2011 KIA Sportage is $591. However, Safeco offers the cheapest rates, averaging $302 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $490 |
| Concord Group | $721 |
| PEMCO | $663 |
| SECURA Insurance | $738 |
| North Carolina Farm Bureau | $662 |
| Plymouth Rock | $569 |
| NatGen Value | $726 |
| American National P | $474 |
| Dairyland FR Bond | $563 |
| Safeco | $302 |
2010 KIA Sportage Insurance Rates
The average annual insurance cost for a 2010 KIA Sportage is $744. However, Buckeye Insurance Group offers the cheapest rates, averaging $522 per year.
| Insurance Provider | Average Annual Cost |
| Indiana Farmers Mutual Ins | $631 |
| SECURA Insurance | $727 |
| Western Reserve | $792 |
| North Carolina Farm Bureau | $747 |
| Direct Auto | $653 |
| Ohio Mutual Ins Group | $851 |
| Buckeye Insurance Group | $522 |
| Clearcover | $743 |
| Kentucky Farm Bureau | $931 |
| First Chicago Insurance | $845 |
Find Affordable KIA Sportage Insurance Rates
Are KIA Sportages Expensive To Insure?
The Kia Sportage is generally considered affordable to insure compared to many other vehicles in its class. With an average annual premium of approximately $1,112, it stands out as one of the more economical choices among compact SUVs . Factors contributing to its lower insurance costs include its strong safety ratings, reasonable repair expenses, and a lower likelihood of theft. However, individual insurance rates can vary based on personal factors such as driving history, location, and coverage selections. Overall, the Kia Sportage offers a balance of affordability and reliability, making it an attractive option for cost-conscious drivers
Cost of KIA Sportage Car Insurance By Age
Age is a key factor in determining car insurance rates for any vehicle. Teenagers generally face the highest premiums due to their higher accident risk. However, as drivers gain experience and maintain a clean record, their premiums tend to decrease, reflecting a lower insurance risk.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,464 | $9,552 | $11,187 |
| 18 | $6,061 | $8,861 | $10,429 |
| 19 | $5,356 | $7,811 | $9,186 |
| 20 | $4,639 | $6,805 | $7,987 |
| 21 | $3,925 | $5,749 | $6,770 |
| 22 | $3,829 | $5,575 | $6,576 |
| 23 | $3,331 | $4,921 | $5,706 |
| 24 | $3,172 | $4,610 | $5,470 |
| 25 | $2,715 | $4,036 | $4,719 |
| 30 | $2,117 | $3,106 | $3,663 |
| 35 | $1,964 | $2,972 | $3,450 |
| 40 | $1,949 | $2,847 | $3,276 |
| 45 | $1,895 | $2,726 | $3,170 |
| 55 | $1,700 | $2,505 | $2,976 |
| 65 | $1,754 | $2,650 | $3,087 |
| 75 | $2,288 | $3,350 | $3,885 |
KIA Sportage Car Insurance Rates By State
Your location is a major factor in determining car insurance rates, as each state has its own regulations and coverage requirements. For example, Michigan drivers often pay higher premiums due to mandatory extensive coverage. Additionally, climate conditions, such as hurricanes, storms, and flooding, can influence rates in certain areas. Crime and accident statistics, including car thefts, crashes, and vehicle fatality rates, also impact insurance costs. Insurers analyze these factors to determine the exact premium for your KIA Sportage.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,073 | $2,986 | $3,719 |
| Alaska | $1,714 | $2,376 | $2,251 |
| Arizona | $1,927 | $2,748 | $4,009 |
| Arkansas | $2,082 | $3,296 | $3,557 |
| California | $2,352 | $4,063 | $2,287 |
| Colorado | $2,162 | $3,016 | $3,868 |
| Connecticut | $2,727 | $4,270 | $5,475 |
| Delaware | $2,303 | $3,075 | $3,965 |
| Florida | $2,750 | $3,784 | $4,880 |
| Georgia | $2,237 | $3,291 | $3,332 |
| Hawaii | $926 | $1,240 | $879 |
| Idaho | $1,561 | $2,061 | $2,471 |
| Illinois | $1,595 | $2,421 | $2,831 |
| Indiana | $1,697 | $2,566 | $2,855 |
| Iowa | $1,364 | $1,794 | $2,070 |
| Kansas | $1,755 | $2,553 | $2,990 |
| Kentucky | $2,505 | $3,736 | $4,387 |
| Louisiana | $3,208 | $4,909 | $5,365 |
| Maine | $1,195 | $1,745 | $2,463 |
| Maryland | $2,006 | $2,841 | $3,166 |
| Massachusetts | $1,625 | $2,810 | $1,562 |
| Michigan | $3,873 | $5,869 | $9,197 |
| Minnesota | $1,557 | $2,145 | $2,929 |
| Mississippi | $1,948 | $2,741 | $2,697 |
| Missouri | $1,827 | $2,523 | $3,384 |
| Montana | $1,807 | $2,507 | $2,982 |
| Nebraska | $1,509 | $2,279 | $2,510 |
| Nevada | $2,600 | $3,801 | $3,989 |
| New Hampshire | $1,766 | $2,814 | $3,498 |
| New Jersey | $1,979 | $3,077 | $4,062 |
| New Mexico | $1,964 | $2,985 | $3,118 |
| New York | $1,809 | $2,350 | $3,846 |
| North Carolina | $1,108 | $1,936 | $1,404 |
| North Dakota | $1,532 | $2,370 | $2,863 |
| Ohio | $1,416 | $2,138 | $2,248 |
| Oklahoma | $2,230 | $3,149 | $3,553 |
| Oregon | $2,063 | $2,757 | $3,246 |
| Pennsylvania | $1,675 | $2,518 | $2,903 |
| Rhode Island | $2,834 | $4,164 | $4,674 |
| South Carolina | $1,949 | $2,706 | $3,694 |
| South Dakota | $1,747 | $2,555 | $2,855 |
| Tennessee | $2,097 | $2,971 | $4,054 |
| Texas | $2,099 | $3,028 | $3,747 |
| Utah | $1,725 | $2,481 | $3,355 |
| Vermont | $1,375 | $2,041 | $2,243 |
| Virginia | $1,236 | $1,917 | $1,900 |
| Washington | $1,685 | $2,283 | $2,774 |
| West Virginia | $1,697 | $2,448 | $3,076 |
| Wisconsin | $1,711 | $2,622 | $3,025 |
| Wyoming | $1,621 | $2,161 | $2,355 |
Find Affordable KIA Sportage Insurance Rates
Cheapest Car Insurance Companies For A KIA Sportage
The table above highlights five of the most affordable car insurance providers for the 2025 Kia Sportage, with annual and monthly premiums adjusted within a 5% range to reflect realistic market variations. The insurance companies listed offer competitive rates for full coverage based on a typical driver profile—a 40-year-old with a clean driving record. USAA and GEICO consistently rank among the cheapest options, though USAA is limited to military members and their families. Vermont Mutual and Arbella offer strong regional alternatives, especially in the Northeast. Nationwide also delivers solid value with a mix of affordability and dependable coverage options.
| Insurance Company | Average Monthly |
| USAA | $102 |
| Nationwide | $90 |
| GEICO | $100 |
| Vermont Mutual | $81 |
| Arbella | $107 |
Common KIA Sportage Insurance Discounts
Discounts are a great way to reduce your car insurance costs. While each provider offers unique discounts, here are some common ones you may qualify for:
- Multi-policy discount – Bundling your home and auto insurance with the same provider can lower your premium.
- Pay-in-full discount – Paying your annual premium upfront instead of monthly can result in savings.
- Defensive driving discount – Completing a certified defensive driving course may make you eligible for reduced rates.
Additional discounts may be available based on your profile. Speak with your insurance agent to explore all possible savings opportunities.
Ways To Save On KIA Sportage Insurance Costs
Maintaining a clean driving record is one of the most effective ways to keep your KIA Sportage insurance costs low, as traffic violations and accidents can significantly increase your premiums. Drivers with a speeding ticket can expect to pay around $92 per month, while those with multiple accidents may see their rates rise to $130 per month. Additionally, low-mileage drivers tend to pay less for insurance since spending less time on the road reduces accident risk. KIA Sportage drivers who travel between 2,501-5,000 miles per year typically pay around $65 per month, whereas those who exceed 10,000 miles per year pay approximately $75 per month. By maintaining a good driving record and keeping annual mileage low, you can effectively reduce your car insurance costs.
Compare KIA Sportage To Other KIA Models
Looking for other Kia model insurance costs?
Our Methodology
In order to calculate average car insurance costs, Insuranceopedia gathered thousands of quotes from leading auto insurance providers. The sample profile used for this calculation was a 40-year-old male driver purchasing full-coverage car insurance with the following coverage limits: $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. It's important to note, however, that the figures presented in this guide may differ from your own individual results, as your unique profile and circumstances will influence your rates.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A KIA Sportage?
Yes, you’ll need to provide proof of insurance before driving your KIA Sportage off the dealership lot. The most efficient way to do this is by purchasing an insurance policy in advance. Once you have the policy, inform your insurance company that you are about to buy the car. This allows you to have coverage in place before taking ownership, and it can often be quicker and more cost-effective than purchasing insurance directly through the dealership.
How Can You Get The Cheapest Insurance For Your KIA Sportage?
The best way to find the cheapest rates for your KIA Sportage is to shop around and compare quotes from different auto insurance companies. By doing this, you can make sure you’re getting the best deal tailored to your specific needs. Fortunately, Insuranceopedia makes this process easy by allowing you to compare quotes from multiple providers on our website. This helps you make an informed decision and find the most affordable option for your coverage.
