Kia Sportage vs Mitsubishi Outlander Insurance Cost

The Kia Sportage is cheaper to insure by about $60 a year for full coverage by our estimate ($1,615 vs. $1,675), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Kia Sportage	Mitsubishi Outlander	Difference
State minimum	$620	$655	−$35
Standard (100/300/100)	$895	$950	−$55
Full coverage	$1,615	$1,675	−$60

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Sportage minus Outlander.

Why one costs more to insure

Factor	Kia Sportage	Mitsubishi Outlander
Segment	Small SUV	Small SUV
Powertrains	Gasoline, Hybrid, Plug-in hybrid	Gasoline, Hybrid, Plug-in hybrid
HLDI collision (100 = avg)	109	116
HLDI comprehensive	96	103
HLDI property damage liability	100	107
HLDI bodily injury liability	113	125
NHTSA overall rating	5★	5★
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	2	2

Collision losses are the biggest swing factor: the Mitsubishi Outlander has 7 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

Sportage vs Outlander insurance by state

State	Sportage	Outlander	Difference
Alabama	$1,410	$1,460	−$50
Alaska	$1,420	$1,470	−$50
Arizona	$1,690	$1,755	−$65
Arkansas	$1,430	$1,475	−$45
California	$1,595	$1,645	−$50
Colorado	$1,830	$1,895	−$65
Connecticut	$1,715	$1,780	−$65
Delaware	$1,795	$1,870	−$75
District of Columbia	$2,040	$2,110	−$70
Florida	$2,295	$2,390	−$95
Georgia	$1,995	$2,070	−$75
Hawaii	$1,120	$1,155	−$35
Idaho	$1,100	$1,135	−$35
Illinois	$1,405	$1,450	−$45
Indiana	$1,150	$1,190	−$40
Iowa	$1,100	$1,130	−$30
Kansas	$1,290	$1,335	−$45
Kentucky	$1,360	$1,410	−$50
Louisiana	$2,230	$2,315	−$85
Maine	$1,030	$1,065	−$35
Maryland	$1,810	$1,880	−$70
Massachusetts	$1,590	$1,650	−$60
Michigan	$1,765	$1,825	−$60
Minnesota	$1,350	$1,395	−$45
Mississippi	$1,545	$1,600	−$55
Missouri	$1,465	$1,515	−$50
Montana	$1,290	$1,330	−$40
Nebraska	$1,295	$1,335	−$40
Nevada	$1,845	$1,925	−$80
New Hampshire	$1,155	$1,195	−$40
New Jersey	$1,940	$2,020	−$80
New Mexico	$1,450	$1,500	−$50
New York	$2,160	$2,245	−$85
North Carolina	$1,210	$1,250	−$40
North Dakota	$1,040	$1,070	−$30
Ohio	$1,155	$1,195	−$40
Oklahoma	$1,455	$1,505	−$50
Oregon	$1,445	$1,505	−$60
Pennsylvania	$1,415	$1,460	−$45
Rhode Island	$1,950	$2,025	−$75
South Carolina	$1,720	$1,785	−$65
South Dakota	$1,235	$1,270	−$35
Tennessee	$1,345	$1,390	−$45
Texas	$1,915	$1,980	−$65
Utah	$1,465	$1,520	−$55
Vermont	$1,055	$1,090	−$35
Virginia	$1,390	$1,440	−$50
Washington	$1,405	$1,460	−$55
West Virginia	$1,350	$1,395	−$45
Wisconsin	$1,105	$1,140	−$35
Wyoming	$1,265	$1,300	−$35

By driver profile (full coverage)

Driver	Sportage	Outlander
Teen driver (18, own policy)	$4,445	$4,605
Young adult (22)	$2,585	$2,680
Adult in their 30s	$1,615	$1,675
Adult in their 50s	$1,485	$1,540
Senior (72)	$1,810	$1,875
30s, one at-fault accident	$2,345	$2,430
30s, DUI on record	$2,990	$3,100

More comparisons

Frequently asked questions

Is the Kia Sportage or the Mitsubishi Outlander cheaper to insure?

By our estimate the Kia Sportage is cheaper, by about $60 a year for full coverage ($1,615 vs. $1,675) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Kia Sportage and Mitsubishi Outlander?

Mostly because of insurance-loss history: HLDI collision indices of 109 vs. 116 and comprehensive indices of 96 vs. 103 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page