Kia Sportage Insurance Cost
The Kia Sportage is a compact suv with an average insurance cost of $1,600/yr. It carries a IIHS Top Safety Pick+ safety rating and high theft risk. See how costs break down by year below.
Quote My Sportage$1,600/yr
Avg. Annual Insurance
IIHS Top Safety Pick+
Safety Rating
High
Theft Risk
Compact SUV
Body Type
Insurance Cost by Year — Kia Sportage
About Kia Sportage Insurance
The Kia Sportage is a popular compact suv that averages $1,600/yr in annual insurance premiums. This places it below the national average of approximately $1,770 per year.
With a IIHS Top Safety Pick+ safety rating, the Sportage is considered a very safe vehicle by insurers. Strong safety ratings can qualify you for discounts with many carriers. The high theft risk also contributes to higher comprehensive coverage premiums.
Insurance costs vary by model year — newer Sportages (2026-2025) cost about 5-10% more due to higher replacement values, while older models (2020-2021) can be 10-15% cheaper as they depreciate.
Frequently Asked Questions
How much does Kia Sportage insurance cost?
The average insurance cost for a Kia Sportage is $1,600/yr. Actual rates vary based on your model year, driving record, location, and coverage levels. Newer model years cost 5-10% more while older years can be 5-15% cheaper.
Is the Kia Sportage expensive to insure?
Compared to the national average of about $1,770/yr, the Kia Sportage at $1,600/yr is below average in insurance cost. As a compact suv, it falls within the typical range for its class.
What is the Kia Sportage's safety rating?
The Kia Sportage has a IIHS Top Safety Pick+ safety rating. Strong safety ratings can help lower your insurance premiums, as vehicles with better crash protection result in fewer and less severe injury claims.
Is the Kia Sportage a theft target?
The Kia Sportage has a high theft risk rating. Higher theft risk means comprehensive coverage will be more expensive. Consider anti-theft devices for potential discounts.
How can I get cheap Kia Sportage insurance?
Compare quotes from multiple carriers (Truvo compares 40+ for free), consider a higher deductible, maintain a clean driving record, bundle auto and home insurance, and ask about discounts for safety features, good student status, or low mileage.
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