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 2024 car, because of slightly more at-fault claims and slightly pricier repairs.
2024 Kia Sportage, national average
about $2,010 a year (about $170 a month)
roughly $1,500–$2,700
An average 2024 car: about $1,940. An older Kia Sportage costs less (below).
Priced: the 2024 Sportage AWD (the newest year our claims data covers), a 45-year-old, clean record, full coverage. Each state moves every car's price by the same share. How we got these.
A used Kia Sportage, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 (0–3 years old) | about $2,010 | about $1,030 | +$1,330 | about $5,760 |
| 2022 (4–7 years old) | about $1,890 | about $1,030 | +$1,250 | about $5,420 |
| 2018 (8–12 years old) | about $1,760 | about $1,030 | +$1,160 | about $5,060 |
| 2013 (13 or more years old) | about $1,630 | about $1,030 | +$1,080 | about $4,680 |
We list the Kia Sportage for 2006–2027. How much a car's age takes off is our own estimate. Years before 2022 use the 2022–24 claims results.
The 2024 Kia Sportage runs from about $1,850 a year (Sportage Plug-in Hybrid) to about $2,010 (Sportage X-pro): the claims data differs by drive, body, 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
The Kia Sportage for other drivers on their own policy, a year: 22–25, $2,610; 26–39, $2,230; 65 and older, $2,110.
Adding a 16-year-old with a Kia Sportage
A new 16-year-old driving the Kia Sportage adds about $1,330 a year ($110 a month), about the same as with an average car.
For adding a teen, the Kia Sportage ranks 45th most expensive of our 121 car pages.
That's the whole household's bill going up. Cheapest cars to insure for a teen.
Why the Kia Sportage costs what it does
Its insurance claims against an average car's (HLDI):
- Repairs
- about average
- Theft and weather
- about average
- Damage to others
- about average
- Injuries to others
- higher than average
The part that fixes or replaces the Kia Sportage: about $980, against $950 for an average 2024 car (3% more). The part that pays for harm to others: about $1,030, against $990 for an average car (4% more).
By the EPA's size classes it's a small SUV, and it's gas-powered. The Highway Loss Data Institute groups it with small SUVs.
Matched to “Kia Sportage 4dr 4WD” in HLDI's results.
Similar small SUVs
Among these 26 small SUVs, the Kia Sportage is the 4th most expensive to insure.
- 2024 Kia Seltosabout $1,910 ($100 less)
- 2024 Buick Envistaabout $1,920 ($80 less)
- 2024 Ford Escapeabout $1,930 ($70 less)
- 2024 Hyundai Ioniq 5about $1,950 (about the same)
- 2024 Kia Sportageabout $2,010 (this car)
- 2024 Kia EV6about $2,030 (about the same)
- 2024 Jeep Compassabout $2,040 (about the same)
- 2024 Mitsubishi Outlanderabout $2,070 ($60 more)
Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.