The Kia Sportage is a compact crossover SUV that first debuted in the U.S. in 2003. The 2026 Sportage is known for a spacious interior, great gas mileage, and is available in several different trim styles, with optional all-wheel drive with terrain mode. No matter which type of Sportage you drive, it needs to be protected with the right car insurance.
When it's time to find the best Kia Sportage insurance, an independent insurance agent can assist you. These agents know where to get the right insurance for a Kia Sportage at a great rate. But first, here's a behind-the-scenes look at how much it costs to insure a Kia Sportage by model year and top-rated insurance company in 2026.
Key Takeaways - Kia Sportage Car Insurance
Kia Sportage insurance costs an average of $1,772 per year, or approximately $148 per month, for full coverage in 2026.
Progressive, American Family, and USAA are the cheapest carriers for model-year 2025 Kia Sportage insurance this year.
Kia Sportage insurance costs vary considerably by state, with good drivers in Wyoming paying an average of only $33 monthly for minimum coverage, while those in Louisiana pay $177.
Your age, location, credit, and driving history are all major factors that can influence the cost of Kia Sportage insurance.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Kia Sportage model.
What Is Kia Sportage Insurance?
Kia Sportage insurance is just a car insurance policy that includes customized coverage options for your specific vehicle. As a compact crossover SUV, the Sportage may require additional coverage beyond what standard sedans need. However, the Sportage's average car insurance rates trend cheaper than those for similar vehicles in its class.
Recommended coverage options for Kia Sportage drivers:
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
Add-on coverage options worth considering for a Kia Sportage:
- Kia warranty insurance: This can extend Kia's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Kia parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- Gap insurance: If you have a new or financed Kia vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
Your local independent insurance agent can help you get equipped with all the required types of auto insurance for a Kia Sportage in your state.
How Much Does Kia Sportage Insurance Cost?
The average cost of car insurance for a Kia Sportage is $1,772 per year, or approximately $148 per month, for full coverage. However, several factors can influence the cost of Kia insurance, including:
- The specific type of Sportage you drive
- Annual mileage
- The types and amount of coverage you need
- Your claims history
- Your credit score (where allowed)
- Your driving history
- Vehicle safety features
- Your location
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Kia Sportage full coverage insurance or a basic Kia Sportage liability insurance policy.
Is the Kia Sportage Expensive to Insure?
No, the Kia Sportage isn't expensive to insure on average. The average monthly cost of Kia Sportage insurance is cheaper than that for other Kia vehicles and other SUVs.
| Vehicle | Average Monthly Cost of Full Coverage |
| Kia Sportage | $148 |
| All Kias | $169 |
| All SUVs | $184 |
Kia Sportage Insurance Costs by Model Year
Next, we'll break down several model years of the Kia Sportage and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2026 Kia Sportage* | $1,870 |
| 2025 Kia Sportage | $1,250 |
| 2024 Kia Sportage | $1,037 |
| 2023 Kia Sportage | $398 |
| 2022 Kia Sportage | $556 |
| 2021 Kia Sportage | $717 |
| 2020 Kia Sportage | $712 |
| 2019 Kia Sportage | $594 |
| 2018 Kia Sportage | $405 |
| 2017 Kia Sportage | $643 |
| 2016 Kia Sportage | $529 |
| 2015 Kia Sportage | $601 |
| 2014 Kia Sportage | $548 |
| 2013 Kia Sportage | $568 |
| 2012 Kia Sportage | $450 |
| 2011 Kia Sportage | $591 |
| 2010 Kia Sportage | $744 |
*Note: The 2026 Sportage's average rate is a projection based on the evaluation of inflation trends and current market data.
Cheapest Kia Sportage Car Insurance Companies for 2026
Many different carriers offer affordable Kia Sportage auto insurance. These top-rated Kia car insurance companies provide the cheapest model-year 2025 Sportage insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Progressive | $1,567 |
| American Family | $1,658 |
| USAA | $1,768 |
| Erie | $1,994 |
| Nationwide | $2,079 |
| Allstate | $3,588 |
Kia Sportage Car Insurance Rates by State
Your location is a huge factor in car insurance premium calculations. Here are some average auto insurance rates for the Kia Sportage by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $76 | $143 |
| Alaska | $63 | $134 |
| Arizona | $106 | $199 |
| Arkansas | $74 | $165 |
| California | $85 | $173 |
| Colorado | $88 | $211 |
| Connecticut | $123 | $213 |
| Delaware | $127 | $212 |
| Florida | $117 | $272 |
| Georgia | $131 | $216 |
| Hawaii | $47 | $106 |
| Idaho | $49 | $99 |
| Illinois | $83 | $154 |
| Indiana | $58 | $113 |
| Iowa | $53 | $126 |
| Kansas | $66 | $153 |
| Kentucky | $112 | $190 |
| Louisiana | $177 | $378 |
| Maine | $47 | $97 |
| Maryland | $140 | $236 |
| Massachusetts | $90 | $191 |
| Michigan | $144 | $276 |
| Minnesota | $74 | $154 |
| Mississippi | $79 | $157 |
| Missouri | $106 | $210 |
| Montana | $65 | $154 |
| Nebraska | $66 | $150 |
| Nevada | $160 | $290 |
| New Hampshire | $62 | $110 |
| New Jersey | $147 | $242 |
| New Mexico | $74 | $165 |
| New York | $111 | $199 |
| North Carolina | $73 | $142 |
| North Dakota | $54 | $119 |
| Ohio | $68 | $131 |
| Oklahoma | $84 | $185 |
| Oregon | $110 | $193 |
| Pennsylvania | $78 | $184 |
| Rhode Island | $109 | $194 |
| South Carolina | $90 | $169 |
| South Dakota | $49 | $148 |
| Tennessee | $70 | $143 |
| Texas | $112 | $229 |
| Utah | $97 | $164 |
| Vermont | $40 | $95 |
| Virginia | $84 | $137 |
| Washington | $81 | $151 |
| West Virginia | $78 | $159 |
| Wisconsin | $60 | $131 |
| Wyoming | $33 | $101 |
Average Kia Sportage Insurance Rates by Driver Age and Profile
A driver's age also plays a major role in car insurance premium rate calculations. Teens and young drivers pay the highest average rates for Kia Sportage insurance. Car insurance rates typically start dropping dramatically around age 25. However, once a driver reaches about age 65, car insurance costs gradually climb through their senior years.
Other factors that can influence car insurance rates include your driving history and credit. Here are some average insurance rates for the Kia Sportage by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $6,061 | $8,861 | $10,429 |
| 20 | $4,639 | $6,805 | $7,987 |
| 25 | $2,715 | $4,036 | $4,719 |
| 30 | $2,117 | $3,106 | $3,663 |
| 35 | $1,964 | $2,972 | $3,450 |
| 40 | $1,949 | $2,847 | $3,276 |
| 45 | $1,895 | $2,726 | $3,170 |
| 55 | $1,700 | $2,505 | $2,976 |
| 65 | $1,754 | $2,650 | $3,087 |
| 75 | $2,288 | $3,350 | $3,885 |
Average Kia Sportage Insurance Rates by Trim Level
Your Kia Sportage's specific trim can also affect its insurance premiums. Here are some average Kia Sportage insurance rates by trim level for 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Limited Sport Utility 4D | $44 | $84 |
| Sport Utility Convertible 2D | $47 | $90 |
| Nightfall Sport Utility 4D | $67 | $130 |
| Sport Utility 4D | $71 | $137 |
| S Sport Utility 4D | $73 | $142 |
| LX Sport Utility 4D | $83 | $161 |
| SX Turbo Sport Utility 4D | $85 | $165 |
| EX Sport Utility 4D | $85 | $165 |
| X-Line Sport Utility 4D | $88 | $171 |
| X-Pro Sport Utility 4D | $89 | $173 |
| SX Prestige Sport Utility 4D | $91 | $176 |
| LX | $91 | $177 |
| X-Pro Prestige Sport Utility 4D | $92 | $180 |
| SX Sport Utility 4D | $95 | $185 |
| EX | $99 | $193 |
| SX-Prestige Sport Utility 4D | $103 | $200 |
| X-Line Prestige Sport Utility 4D | $105 | $204 |
| SX | $108 | $209 |
| X-Line | $114 | $221 |
| SX Prestige | $114 | $221 |
| X-Pro | $115 | $224 |
| X-Pro Prestige | $124 | $241 |
| X-Line Prestige | $141 | $273 |
Best Kia Sportage Insurance Discounts: How to Lower Your Kia Sportage Insurance Premiums
Want to save even more money on Kia Sportage insurance? These simple strategies can help you increase your savings today:
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Kia Sportage insurance from a trusted carrier near you.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about Kia Sportage insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Ask about telematics programs: Your insurance company or Kia may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Compare quotes from multiple carriers: Comparing Kia Sportage insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
Your independent insurance agent knows which carriers offer the most affordable Kia Sportage insurance. They can help you find discounts and recommend other ways to reduce your premiums even further.
An Independent Insurance Agent Can Help You Get the Best Kia Sportage Insurance Quotes
When it's time to find the most affordable Kia Sportage insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Kia Sportage insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Kia Sportage Insurance
How much does Kia Sportage insurance cost per year?
The average annual cost of full coverage for a Kia Sportage is $1,772 per year, or approximately $148 per month. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Kia Sportage insurance premiums?
Living in a high-theft rate area, having prior claims, having traffic accidents or other violations on your record, and having poor credit can all lead to higher Kia Sportage insurance premiums.
Is the Kia Sportage expensive to insure?
No, the Kia Sportage isn't expensive to insure on average. The cost of a six-month full coverage policy is only $886.
What are the best and cheapest carriers for Kia Sportage insurance in 2026?
We found that Progressive, American Family, and USAA are the best and cheapest car insurance companies for model-year 2025 Kia Sportage insurance this year.
Is insurance cheaper for the Sportage than for other Kia vehicles?
Yes, the Kia Sportage's average insurance rates are cheaper than those for other Kias. While the Sportage's average full coverage rates are just $148 per month, other Kia vehicles average $169 per month.
How can I get cheaper Kia Sportage insurance?
Finding cheaper Kia Sportage insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.thezebra.com/auto-insurance/vehicles/kia/sportage/
https://www.moneygeek.com/insurance/auto/kia-sportage-insurance/
https://www.insuranceopedia.com/auto-insurance/kia-sportage-car-insurance