If you’re wondering how much it will cost to insure your Kia Sportage in 2025, you’re in the right place. Insurance rates for the Kia Sportage vary based on your location, driving record and model year.
On average, insuring a 2023 Kia Sportage costs around $2,093 annually, but the rates can vary significantly compared to older models. For instance, a 2021 Sportage might cost slightly less, around $2,050 per year, while insuring a 2018 model could be even more budget-friendly at $1,949 annually.
In this guide, we’ll explore the costs and offer tips on securing the best insurance rates for your Kia Sportage.
What is the cost to insure your Kia Sportage in 2025?
The average cost to insure a Kia Sportage is $172 per month, or $2,069 per year for a full coverage policy. However, your actual rate may differ depending on factors like your age, where you live, the level of coverage you choose, your driving history and the insurance company.
Your rates may be higher if you’re a young driver or have a history of accidents. On the other hand, experienced drivers with a clean driving record might pay lower premiums for the same policy. Other factors, such as your state and ZIP code, also influence premiums. Insurance costs also vary by state and ZIP code.
Use the tool below to know car insurance costs based on your state and the car’s make and model.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Kia Sportage
Geico offers the lowest car insurance rates for your Kia Sportage, with an average cost of $1,680 per year or $140 each month, based on CarInsurance.com’s study.
Below is a list of insurance companies that offer affordable rates for your Kia Sportage.
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Geico | $1,680 | $840 | $140 |
| Nationwide | $1,706 | $853 | $142 |
| State Farm | $1,812 | $906 | $151 |
| Progressive | $1,865 | $933 | $155 |
| Farmers | $2,618 | $1,309 | $218 |
| Allstate | $2,819 | $1,409 | $235 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Kia Sportage car insurance rates by model year
Generally, newer models have higher insurance rates due to their higher market value and repair costs. For instance, insuring a 2023 Kia Sportage will likely be more expensive than insuring a 2019 model. However, older models might not have the latest safety features, which can also influence rates.
Below is a comparison of average annual insurance costs for different model years of the Kia Sportage. This data can give you a clear idea of how insurance premiums change with the vehicle’s age.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $1,730 | $865 | $144 |
| 2015 | $1,777 | $889 | $148 |
| 2016 | $1,857 | $929 | $155 |
| 2017 | $1,877 | $939 | $156 |
| 2018 | $1,949 | $975 | $162 |
| 2019 | $1,991 | $995 | $166 |
| 2020 | $2,035 | $1,017 | $170 |
| 2021 | $2,050 | $1,025 | $171 |
| 2022 | $2,043 | $1,022 | $170 |
| 2023 | $2,093 | $1,047 | $174 |
Kia Sportage car insurance rates for different trims
A Kia Sportage’s trim level can significantly affect insurance costs. Trims vary in features, safety equipment and overall cost, contributing to different insurance premiums.
For instance, higher-end trims, such as the Sportage SX Prestige, equipped with advanced technologies, usually have higher insurance rates due to increased repair and replacement costs.
The table below shows the average annual insurance premiums for various trims of the Kia Sportage.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Sportage LX | $1,994 | $997 | $166 |
| Sportage EX | $2,022 | $1,011 | $168 |
| Sportage SX | $2,118 | $1,059 | $177 |
| Sportage X-Line | $2,120 | $1,060 | $177 |
| Sportage X-Pro | $2,157 | $1,079 | $180 |
| Sportage X-Pro Prestige | $2,159 | $1,079 | $180 |
| Sportage SX Prestige | $2,180 | $1,090 | $182 |
Kia Sportage insurance rates: State-by-state breakdown
The cost of insuring a Kia Sportage vehicle can differ from state to state. State-specific regulations primarily influence it, the cost of vehicle repairs and car theft rates.
The table below shows the car insurance rates for the Kia Sportage by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,055 | $1,028 | $171 |
| Alabama | $1,913 | $957 | $159 |
| Arkansas | $2,181 | $1,091 | $182 |
| Arizona | $2,000 | $1,000 | $167 |
| California | $2,622 | $1,311 | $219 |
| Colorado | $2,655 | $1,327 | $221 |
| Connecticut | $2,186 | $1,093 | $182 |
| Washington, D.C. | $2,520 | $1,260 | $210 |
| Delaware | $2,167 | $1,084 | $181 |
| Florida | $2,762 | $1,381 | $230 |
| Georgia | $2,564 | $1,282 | $214 |
| Hawaii | $1,380 | $690 | $115 |
| Iowa | $1,718 | $859 | $143 |
| Idaho | $1,316 | $658 | $110 |
| Illinois | $1,987 | $994 | $166 |
| Indiana | $1,816 | $908 | $151 |
| Kansas | $2,174 | $1,087 | $181 |
| Kentucky | $2,601 | $1,300 | $217 |
| Louisiana | $3,441 | $1,720 | $287 |
| Massachusetts | $1,806 | $903 | $150 |
| Maryland | $1,953 | $976 | $163 |
| Maine | $1,346 | $673 | $112 |
| Michigan | $2,718 | $1,359 | $227 |
| Minnesota | $2,198 | $1,099 | $183 |
| Missouri | $2,349 | $1,175 | $196 |
| Mississippi | $2,151 | $1,076 | $179 |
| Montana | $2,185 | $1,093 | $182 |
| North Carolina | $1,763 | $882 | $147 |
| North Dakota | $1,747 | $873 | $146 |
| Nebraska | $2,093 | $1,046 | $174 |
| New Hampshire | $1,524 | $762 | $127 |
| New Jersey | $2,035 | $1,018 | $170 |
| New Mexico | $2,127 | $1,064 | $177 |
| Nevada | $2,147 | $1,074 | $179 |
| New York | $1,532 | $766 | $128 |
| Ohio | $1,457 | $729 | $121 |
| Oklahoma | $2,185 | $1,092 | $182 |
| Oregon | $1,989 | $995 | $166 |
| Pennsylvania | $2,301 | $1,150 | $192 |
| Rhode Island | $2,467 | $1,234 | $206 |
| South Carolina | $1,977 | $988 | $165 |
| South Dakota | $2,275 | $1,137 | $190 |
| Tennessee | $2,292 | $1,146 | $191 |
| Texas | $2,854 | $1,427 | $238 |
| Utah | $1,695 | $847 | $141 |
| Virginia | $1,531 | $765 | $128 |
| Vermont | $1,434 | $717 | $120 |
| Washington | $1,757 | $879 | $146 |
| Wisconsin | $1,588 | $794 | $132 |
| West Virginia | $1,891 | $945 | $158 |
| Wyoming | $2,212 | $1,106 | $184 |
How your age impacts Kia Sportage insurance rates
Younger drivers, especially those under 25, pay higher rates due to their inexperience and higher accident risk. Insurance rates typically decrease as drivers get older and gain more experience but may rise again for senior drivers due to age-related factors.
According to the National Highway Traffic Safety Administration (NHTSA) Young Drivers Traffic Safety Facts, 2,034 drivers aged 15 to 20 lost their lives in traffic accidents in 2022.
The table below outlines the average annual insurance rates for different age groups.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $7,602 | $3,801 | $633 |
| Adults | $2,069 | $1,035 | $172 |
The bottom line
Knowing how much it costs to insure your Kia Sportage is key to managing your expenses. Insurance costs can change depending on the car’s model year, trim, age and state of residence.
By taking proactive steps like maintaining a clean driving record, taking advantage of discounts and regularly reviewing your insurance needs, you can balance adequate coverage and affordability.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” July 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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