Kia Sportage Insurance Cost

Full coverage for a Kia Sportage costs about $1,615 a year ($135/month) by our estimate — ▲ +2% versus the average vehicle, ranking 149th cheapest of 310 current models.

Kia Sportage exterior (photo from Wikimedia Commons) — Photo: LuvsMG481, CC BY-SA 4.0

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

Kia Sportage insurance cost at a glance

Full coverage

$1,615

$135/mo · $1,325–$1,905

Minimum liability

$620

$52/mo

Segment

Small SUV

Gasoline, Hybrid, Plug-in hybrid

HLDI collision losses

109

Worse than average (100 = avg)

NHTSA overall

★★★★★

2026 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2005–2027 model years of the Kia Sportage.

Estimated Kia Sportage premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$620	$52	$505–$730
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$895	$75	$735–$1,060
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,615	$135	$1,325–$1,905

What drives the cost of insuring a Kia Sportage

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Kia Sportage's results put our vehicle factor at 1.01× for liability, 1.06× for collision and 0.95× for comprehensive.

HLDI relative insurance losses — Kia Sportage 4dr (Small SUVs)
Coverage	Index	Rating	What it measures
Collision	109	Worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	96	Average	Theft, vandalism, glass, weather and animal damage
Property damage liability	100	Average	Damage this car does to other vehicles and property
Bodily injury liability	113	Worse than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	134	Much worse than average	Injuries to occupants of this car (claim frequency)
Medical payments	151	Much worse than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (5)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Kia Sportage 4dr	109	96	100	113
Kia Sportage 4dr 4WD	107	107	99	113
Kia Sportage hybrid 4dr 4WD	97	97	105	108
Kia Sportage plug-in hybrid 4dr 4WD	86	82	92	—
Kia Sportage hybrid 4dr	99	63	118	—

Repair and parts costs: Small SUV — mainstream parts availability keeps repairs moderate.
Safety: 5-star NHTSA overall rating (frontal 5★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 2 NHTSA recall campaigns and 105 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Kia Sportage trims and configurations (2027)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
Sportage AWD	AWD	2.5L 4-cyl	26
Sportage FWD	FWD	2.5L 4-cyl	28
Sportage Hybrid AWD	AWD	1.6L 4-cyl Turbo Hybrid	35
Sportage Hybrid FWD	FWD	1.6L 4-cyl Turbo Hybrid	41
Sportage Plug-in Hybrid	AWD	1.6L 4-cyl Turbo Plug-in Hybrid	36
Sportage X-pro	AWD	2.5L 4-cyl	24

Kia Sportage insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2027	1.6L 4-cyl Turbo Hybrid, 1.6L 4-cyl Turbo Plug-in Hybrid, 2.5L 4-cyl	AWD, FWD	24–41	$1,615
2026	1.6L 4-cyl Turbo Hybrid, 1.6L 4-cyl Turbo Plug-in Hybrid, 2.5L 4-cyl	AWD, FWD	24–42	$1,585
2025	1.6L 4-cyl Turbo Hybrid, 1.6L 4-cyl Turbo Plug-in Hybrid, 2.5L 4-cyl	AWD, FWD	25–43	$1,550
2024	1.6L 4-cyl Turbo Hybrid, 1.6L 4-cyl Turbo Plug-in Hybrid, 2.5L 4-cyl	AWD, FWD	25–43	$1,520
2023	1.6L 4-cyl Turbo Hybrid, 1.6L 4-cyl Turbo Plug-in Hybrid, 2.5L 4-cyl	AWD, FWD	25–43	$1,485
2022	2.0L 4-cyl Turbo, 2.4L 4-cyl	AWD, FWD	21–26	$1,455
2021	2.0L 4-cyl Turbo, 2.4L 4-cyl	AWD, FWD	21–26	$1,420
2020	2.0L 4-cyl Turbo, 2.4L 4-cyl	AWD, FWD	21–26	$1,390
2019	2.0L 4-cyl Turbo, 2.4L 4-cyl	AWD, FWD	21–25	$1,355
2018	2.0L 4-cyl Turbo, 2.4L 4-cyl	AWD, FWD	21–26	$1,325
2017	2.0L 4-cyl Turbo, 2.4L 4-cyl	AWD, FWD	21–26	$1,295
2016	2.0L 4-cyl Turbo, 2.4L 4-cyl	AWD, FWD	21–23	$1,260
2015	2.0L 4-cyl Turbo, 2.4L 4-cyl	AWD, FWD	21–23	$1,255
2014	2.0L 4-cyl Turbo, 2.4L 4-cyl	4WD, FWD	21–23	$1,255
2013	2.0L 4-cyl Turbo, 2.4L 4-cyl	4WD, FWD	21–25	$1,255
2012	2.0L 4-cyl Turbo, 2.4L 4-cyl	4WD, FWD	21–25	$1,255
2011	2.0L 4-cyl Turbo, 2.4L 4-cyl	4WD, FWD	22–25	$1,255
2010	2.0L 4-cyl, 2.7L 6-cyl	4WD, FWD	20–22	$1,255
2009	2.0L 4-cyl, 2.7L 6-cyl	4WD/AWD, FWD	20–22	$1,255
2008	2.0L 4-cyl, 2.7L 6-cyl	4WD/AWD, FWD	19–22	$1,255

Kia Sportage insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Sportage page for that state.

State	Full coverage	Minimum	vs. national	Sportage page
Alabama	$1,410	$485	−13%	Sportage in AL
Alaska	$1,420	$630	−12%	Sportage in AK
Arizona	$1,690	$665	+5%	Sportage in AZ
Arkansas	$1,430	$450	−11%	Sportage in AR
California	$1,595	$575	−1%	Sportage in CA
Colorado	$1,830	$655	+13%	Sportage in CO
Connecticut	$1,715	$715	+6%	Sportage in CT
Delaware	$1,795	$810	+11%	Sportage in DE
District of Columbia	$2,040	$750	+26%	Sportage in DC
Florida	$2,295	$1,085	+42%	Sportage in FL
Georgia	$1,995	$880	+24%	Sportage in GA
Hawaii	$1,120	$440	−31%	Sportage in HI
Idaho	$1,100	$405	−32%	Sportage in ID
Illinois	$1,405	$500	−13%	Sportage in IL
Indiana	$1,150	$410	−29%	Sportage in IN
Iowa	$1,100	$310	−32%	Sportage in IA
Kansas	$1,290	$405	−20%	Sportage in KS
Kentucky	$1,360	$530	−16%	Sportage in KY
Louisiana	$2,230	$795	+38%	Sportage in LA
Maine	$1,030	$430	−36%	Sportage in ME
Maryland	$1,810	$760	+12%	Sportage in MD
Massachusetts	$1,590	$595	−2%	Sportage in MA
Michigan	$1,765	$770	+9%	Sportage in MI
Minnesota	$1,350	$475	−16%	Sportage in MN
Mississippi	$1,545	$535	−4%	Sportage in MS
Missouri	$1,465	$515	−9%	Sportage in MO
Montana	$1,290	$395	−20%	Sportage in MT
Nebraska	$1,295	$405	−20%	Sportage in NE
Nevada	$1,845	$875	+14%	Sportage in NV
New Hampshire	$1,155	$405	−28%	Sportage in NH
New Jersey	$1,940	$945	+20%	Sportage in NJ
New Mexico	$1,450	$525	−10%	Sportage in NM
New York	$2,160	$935	+34%	Sportage in NY
North Carolina	$1,210	$450	−25%	Sportage in NC
North Dakota	$1,040	$280	−36%	Sportage in ND
Ohio	$1,155	$405	−28%	Sportage in OH
Oklahoma	$1,455	$475	−10%	Sportage in OK
Oregon	$1,445	$630	−11%	Sportage in OR
Pennsylvania	$1,415	$430	−12%	Sportage in PA
Rhode Island	$1,950	$825	+21%	Sportage in RI
South Carolina	$1,720	$740	+7%	Sportage in SC
South Dakota	$1,235	$320	−24%	Sportage in SD
Tennessee	$1,345	$455	−17%	Sportage in TN
Texas	$1,915	$695	+19%	Sportage in TX
Utah	$1,465	$660	−9%	Sportage in UT
Vermont	$1,055	$320	−35%	Sportage in VT
Virginia	$1,390	$630	−14%	Sportage in VA
Washington	$1,405	$595	−13%	Sportage in WA
West Virginia	$1,350	$440	−16%	Sportage in WV
Wisconsin	$1,105	$375	−32%	Sportage in WI
Wyoming	$1,265	$325	−22%	Sportage in WY

Kia Sportage insurance by driver profile

Estimated annual Kia Sportage premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,700	$2,465	$4,445	$370
Young adult (22)	$990	$1,435	$2,585	$215
Adult in their 30s	$620	$895	$1,615	$135
Adult in their 50s	$570	$825	$1,485	$124
Senior (72)	$695	$1,005	$1,810	$151
30s, one at-fault accident	$895	$1,300	$2,345	$195
30s, DUI on record	$1,145	$1,660	$2,990	$249

Kia Sportage vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Kia Sportage	$1,615	109	96	—
Honda CR-V	$1,200	63	65	Compare
GMC Terrain	$1,480	85	81	Compare
Nissan Juke	$1,195	—	—	Compare

Estimate Kia Sportage insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Kia models

Carnival $1,470/yr
EV3 $1,545/yr
K4 $1,545/yr
K5 $2,005/yr
Niro $1,725/yr
Seltos $1,550/yr
Sorento $1,580/yr
Telluride $1,400/yr
EV6 $1,680/yr
EV9 $1,515/yr
Soul $1,595/yr
Forte $1,955/yr
Rio $1,455/yr
Stinger $1,445/yr
Sedona $1,255/yr
Cadenza $1,400/yr
K900 $1,400/yr
Optima $1,390/yr
Rondo $1,135/yr
Borrego $1,190/yr
Amanti $1,260/yr
Spectra $1,255/yr

All Kia insurance costs →

Frequently asked questions

How much is insurance for a Kia Sportage?

We estimate about $1,615 a year ($135 a month) for full coverage and $620 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 2% more than the average vehicle.

Is the Kia Sportage expensive to insure?

HLDI insurance-loss data rates it at 109 for collision and 96 for comprehensive losses (100 = average of all vehicles), meaning collision losses are worse than average.

Which state is cheapest to insure a Kia Sportage?

Maine has the lowest estimate (about $1,030 a year for full coverage) and Florida the highest (about $2,295).

What is the Kia Sportage's NHTSA safety rating?

The 2026 Kia Sportage earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Kia Sportage cheaper to insure than the Honda CR-V?

By our estimate the Kia Sportage costs about $1,615 a year versus $1,200 for the Honda CR-V, making the Honda CR-V cheaper to insure.

How much is Kia Sportage insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,445 a year at national-average rates by our estimate.

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