How much is insurance on a Kia Sportage?

A 2024 Kia Sportage runs about $2,010 a year for a typical 45-year-old, $70 more than an average car of the same age, because of more injury claims, higher crash-repair losses, and higher non-crash losses. Putting a new 16-year-old on a family policy with the Sportage adds about $1,330 a year (#23 of 26 small SUVs we compare).

2024 Kia Sportage (Sportage AWD), national average

about $2,010 a year (about $170 a month)

Estimated range: $1,450–$2,700. Actual quotes can fall outside it.

An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 Sportage drops to about $1,560 (see the table below).

A Kia Sportage from the 2023–present generation. Photo: Mr.choppers, CC BY-SA 3.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 Sportage AWD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Sportage's rank is the same in every state.

Why the Kia Sportage costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Kia Sportage 4dr 4WD, on HLDI's scale where 100 is an average car and lower is better, it reports 107 for crash repairs, 107 for non-crash damage, 99 for damage to others' property, and 113 for injury claims.

Crash repairs (collision)fixing this car after a crashAverage7% worse than average22nd best of the 26 small SUVs we compare
Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage7% worse than average24th best of the 26 small SUVs we compare
Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage1% better than average18th best of the 26 small SUVs we compare
Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costAveragefiled 13% more often than average18th best of the 24 small SUVs we compare

HLDI's ratings, best to worst:Substantially better than averageBetter than averageAverageWorse than averageSubstantially worse than averageInsufficient data

HLDI rates results within about 20% of average as “Average.”

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Sportage comes out about 7% worse than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 3% more than average: about $980 a year vs $950. On the liability side, damage to others and injury claims combine to about 7% worse than average. We count about half, so that part is about 4% more: $1,030 a year vs $990.

How the math works

In EPA size classes, the Sportage is a small SUV (gas-powered). In Highway Loss Data Institute loss tables, the Kia Sportage is benchmarked against small SUVs.

Matched to HLDI series “Kia Sportage 4dr 4WD” (HLDI, 2022–24 models).

A used Kia Sportage, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.
Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Sportage AWD (0–3 years old)	about $2,010	about $1,030	+$1,330	about $5,760
2022 Sportage AWD (4–7 years old)	about $1,890	about $1,030	+$1,250	about $5,420
2018 Sportage AWD (8–12 years old)	about $1,640	about $990	+$1,080	about $4,710
2013 Sportage 2WD (13 or more years old)	about $1,560	about $1,020	+$1,030	about $4,460

Our catalog covers the Kia Sportage across model years 2006–2027. Full coverage on a used 2013 Sportage (13 or more years old) runs about $1,560 a year, $450 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $1,020 a year. Each photo shows that year's generation of the car. Photo credits.

Across 2024 Kia Sportage trims, full coverage goes from about $1,850 a year on the Sportage Plug-in Hybrid to about $2,010 on the Sportage X-pro, because HLDI's loss results differ by body, drive, or powertrain.

Sportage Plug-in Hybrid: about $1,850
Sportage Hybrid AWD; Sportage Hybrid FWD: about $1,970
Sportage FWD: about $2,000
Sportage AWD; Sportage X-pro: about $2,010

On a policy of their own with a 2024 Kia Sportage, a 22–25-year-old pays about $2,610 a year ($600 more than a 45-year-old), a 26–39-year-old about $2,230, and a driver 65 and older about $2,110.

Adding a 16-year-old with a Kia Sportage

Adding a new 16-year-old who drives the Kia Sportage raises the family bill by about $1,330 a year ($110 a month), about the same as adding a teen with an average car of the same age. A separate policy for the 16-year-old runs about $5,760 a year, so keeping them on the family policy saves about $4,440 a year.

For adding a teen driver, the Kia Sportage ranks 45th most expensive out of all 121 models we track. Stepping down to a used 2013 Sportage (13 or more years old) brings the teen add-on to about $1,030 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar small SUVs

Among these 26 small SUVs, the Kia Sportage is the 4th most expensive to insure. Right next to it are the Hyundai Ioniq 5 (about $1,950 a year) and the Kia EV6 (about $2,030).

Photos from Wikimedia Commons contributors. Photo credits.

What a Kia Sportage costs in your state

In six sample states, a 2024 Kia Sportage runs from about $1,370 a year in Idaho through Iowa, Nebraska, Oregon and Connecticut to about $2,650 in New York:

Idahoabout $1,370/yr · +$900 teen
Iowaabout $1,410/yr · +$930 teen
Nebraskaabout $1,650/yr · +$1,090 teen
Oregonabout $1,770/yr · +$1,170 teen
Connecticutabout $2,100/yr · +$1,390 teen
New Yorkabout $2,650/yr · +$1,750 teen

All 50 states and DC · Updated November 5, 2026.

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