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Our rates are based on public rate filings obtained by analytics company First Interpreter. While we may partner with some of the carriers you see on our site, we maintain editorial independence and it does not affect the rates you see. Read more about our rating methodology or see our rigorous editorial policy.Â
Last updated: January 6th, 2025
The cost of car insurance for a Kia Sportage is lower than the average cost for all cars. Additionally, different trim levels of the Sportage can affect insurance rates, with higher trim levels often costing more to insure due to their increased value and features. For example, the Sportage LX may have lower insurance costs compared to higher trim levels due to its more basic features and lower overall value. Overall, while the Kia Sportage can be more costly to insure than the average car, factors like the age and trim level of the vehicle can influence insurance rates.
See what it would cost to insure your Kia Sportage at the top insurance companies near you >
Annual rates for a single 35-year-old male, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of April 2025.Â
Find out what it costs to insure your Kia Sportage in seconds
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When it comes to the vehicle you drive, the year, trim level, and safety features of your Kia Sportage will impact the price you pay for car insurance.
The trim level of your Kia Sportage will impact the price you pay for insurance. Some trim levels will have new safety features that could get you a discount, depending on your insurance company. Other trim levels add features that will increase the value of your Kia, which will make it more expensive to repair or replace – and insure.
Compare the base model Kia Sportage LX to your trim level to see how the trim might impact your rates.
The model year of your Kia Sportage will also impact the cost of car insurance. Generally, newer models cost more to insure than older models. A 2025 Sportage LX costs about $2,441 to insure on average, so you can expect older model years to be less expensive.
The table below shows the average cost to insure different Sportage LX model years in 2025.
Annual rates for a single 35-year-old male, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of April 2025.Â
If you’re in the market for a Compact SUV, it’s a good idea to see how the Kia Sportage stacks up when it comes to insurance. In general, luxury and performance vehicles will be the most expensive to insure in a vehicle class. Economy brands usually have the cheapest insurance rates.
See how expensive it is to insurance a Kia Sportage compared to popular other Compact SUVs.
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Because car insurance is highly personalized, the cost of your insurance will depend on many factors. There are both vehicle-related factors (such as safety features, repair costs, and likelihood of theft) and driver-related factors like where you live and your driving habits.
Car insurance companies consider many factors when coming up with the price they’ll charge you for a policy. Your vehicle is an important one of these factors. You will typically pay less if your vehicle:
On the other hand, you can expect to pay more for your insurance if your vehicle has a high value or expensive features, modifications, or replacement parts. Vehicles with a high theft rate are also usually more expensive to insure.
Beyond your vehicle itself, insurance companies may also look at your driving habits: how much you drive and what you use your car for. Drivers who use their cars for business or rideshare may pay higher insurance rates. Whereas drivers who have a low annual mileage might pay less.
Other driver-related factors that insurance companies use in their rate calculations include:
The car insurance you need depends on where you live, if you own your Kia Sportage, and your personal needs.
Almost every state has regulations around the minimum coverage types and limits you need. However, you may want more coverage than your state’s requirements. If you lease or finance your Kia, your lender may have requirements for how much insurance you need as well.
These are some common types of car insurance coverage you can consider:
1. Liability coverage
In almost every state, liability coverage is required by law. Liability insurance helps cover damage to property and others in an accident you cause.
2. Collision insurance
Collision insurance helps cover damage to your own property in an accident you cause. Collision insurance has a deductible which you have to pay before your insurance kicks in to cover the rest of a claim. If you lease or finance your Kia Sportage, you may be required to carry collision coverage.
3. Comprehensive insurance
Comprehensive insurance helps cover damage to your property caused by a non-collision incident. Covered incidents usually cover things like weather damage, theft, or hitting an animal. Comprehensive insurance also has a deductible, and your lender may require you to have this coverage if you lease or finance your Kia Sportage.
4. PIP or Medical Payments
In some states, Personal Injury Protection (PIP) or Medical Payments coverage is required. This helps cover medical expenses if you or your passengers are injured in an accident.
5. Uninsured/Underinsured motorist coverage
This type of coverage (required in some states) helps cover repairs to your property if you are in an accident with an uninsured driver. This also usually covers hit and run accidents.
6. Additional coverage or endorsements
The vehicle you drive plays a key role in the price you pay for insurance. However, other factors like where you live, your age, driving record, and many more also factor into the price of your policy. Here are some ways to try to bring the price you pay to insure your Sportage LX down:
While the vehicle you drive plays a key role in the price you pay for insurance, other factors like where you live, your age, driving record, and more will also factor into the price of your premium. Here are some ways to try to bring the price you pay to insure your Kia Sportage down:
The only way to know you’re not overpaying for car insurance:
Search Like a Pro with Rate Retriever
Rate Retriever rates are based on public rate filings obtained by analytics company First Interpreter. This data comes from the rating plans insurance carriers submit to each state’s department of insurance. Rating plans detail how each carrier calculates premiums using factors such as location, age, gender, and driving record, and they ensure that insurance premiums are both fair and competitive.Â
For the data on this page, we made the following assumptions: a 35-year-old single male with a clean driving record and Good credit score. We adjusted this profile by vehicle make, model, trim, and year to determine the rates you see on this page.
These rates are not actual quotes and should only be used for comparative purposes. Your rates can vary significantly based on your unique driver profile.Â
At Rate Retriever, our mission is to make the way you shop for insurance transparent and fair through user-friendly tools that respect your privacy and deliver reliable, comprehensive results. Â
So we took everything we hated about comparing insurance quotes online – the spam, the long questionnaires, the limited choices, the inaccuracy of quote prices – and threw it out the window, favoring a short form that more accurately estimates what you’ll pay at each of the top insurance providers near you.Â
Rate Retriever is an independent company that is not owned by an insurance provider, nor do we provide insurance ourselves. This independence allows us to be your free and impartial insurance research tool, helping you make the best decisions for your insurance needs. Â
We may earn a commission when you click one of the links or call one of the providers listed on our site; however, we do not allow our partnerships to influence which information we provide.Â
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