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Lindsay Frankel is a personal finance and insurance writer who’s been writing for Compare.com since 2023. Her work has been featured in publications such as Investopedia, LendingTree, The Balance, SFGate, Bankrate, and FinanceBuzz.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Not only does the Kia Sportage make it fun to tackle terrain, but it also keeps you safe on the road. The 2025 Sportage was a Top Safety Pick from the Insurance Institute for Highway Safety (IIHS).[1] This high level of safety is probably why the Kia Sportage is less expensive to insure than the average vehicle.
Sportage insurance costs an average of $140 per month, while the national average for all vehicles is $150 per month.
You can save money on your Sportage insurance by comparing car insurance quotes and taking advantage of discounts. Here’s what you need to know about picking the right insurer for your Sportage, getting the cheapest coverage, and features that affect your insurance costs.
Liability coverage for the Kia Sportage costs an average of $99 per month, and full coverage costs an average of $182 per month.
Novo offers the cheapest car insurance for the Kia Sportage, with Mile Auto and Travelers following close behind.
Older Kia Sportage model years are generally cheaper to insure — the average premium for the 2012 Sportage is just $119 per month.
The cost of car insurance for your Kia Sportage largely depends on your coverage choices.[2] Liability-only insurance is less expensive but pays for only the other driver’s medical bills and repair costs in an accident. Full coverage costs more but pays to repair or replace your own vehicle after an accident or non-collision damage.
The table below shows average monthly Kia Sportage premiums by policy type and how they compare to the average monthly cost for all vehicles, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Kia Sportage | $99 | $182 | $140 |
| All vehicles | $108 | $198 | $150 |
The average liability-only premium for the Kia Sportage is just $99 per month, while the average full-coverage premium is $182 per month. But your premium may vary based on factors like your age, location, driving record, and the coverage you choose.
Next, let’s explore average Kia Sportage rates by company.
No matter the average Kia Sportage rates, you always have ways to save money on car insurance. Some auto insurers offer particularly cheap premiums for the Sportage. The table below shows the five companies that offer the most affordable coverage for the Sportage, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Novo | $64 |
| Mile Auto | $68 |
| Travelers | $70 |
| Certainly | $72 |
| Clearcover | $93 |
Novo offers the cheapest Kia Sportage insurance, with an average monthly premium of just $64. But the company offers coverage in only five states, and its rates change based on your driving behavior.
Other factors, like your age and driving record, also affect your premium. Each insurer weighs these factors differently, so it’s a good idea to compare quotes from multiple insurers.[3] The companies in the table above may not be the cheapest for everyone. We cover the best options for different drivers in the sections below.
The best auto insurance company for you depends on your coverage needs, Kia Sportage model, and driver profile. To jump-start your research, we chose three companies that stand out based on their average rates, coverage options, discounts, third-party ratings, and customer reviews.
| AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Travelers offers affordable coverage for Kia Sportages, with an average monthly premium of just $70. Plus, Sportage owners may qualify for new car, multi-policy, and other discounts. The company also offers a wide range of coverage options to protect new car owners against depreciation.
Travelers also has an A++ (Superior) financial strength rating from AM Best.[4] But the company has many poor customer reviews with the Better Business Bureau (BBB).
Has some of the cheapest Kia Sportage rates
New car and hybrid/electric car discounts available
Gap insurance and new car replacement coverage available
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $100/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $131/mo |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
GEICO offers more discounts than other insurers, including a new car discount to help new Sportage owners save money on car insurance. GEICO also offers mechanical breakdown insurance to help prevent high out-of-pocket repair costs. But the company doesn’t offer gap insurance.
GEICO has an A++ (Superior) financial strength rating from AM Best, the highest score. The company’s highly rated usage-based telematic program and driver education discount also make it a good choice for young drivers.[5] That said, the insurer has many customer complaints with the BBB.
Many discounts available
Offers mechanical breakdown insurance for new Sportages
Highly rated mobile app with convenient claims filing
Gap insurance not available
Below-average claims satisfaction rating
High volume of customer complaints[7]
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 641 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $93/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $174/mo |
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
J.D. Power ranked Nationwide No. 1 for usage-based insurance. The company offers two telematics programs: SmartRide, which can save you money for safe driving habits, and SmartMiles, which offers pay-per-mile insurance. Both options can help offset coverage costs, but Nationwide offers few additional discounts.
Nationwide also ranks No. 4 for claims satisfaction, according to J.D. Power, but the company’s customer satisfaction ratings vary by region. If you finance your Kia Sportage, you can also get gap insurance from Nationwide.
Above-average claims satisfaction rating
Offers usage-based programs for safe driving and low mileage
Gap coverage available
Poor customer satisfaction ratings in some regions
Lower financial strength rating than competitors[8]
Offers fewer discounts than competitors
Get quotes from 100+ top insurers and save money in seconds.
Newer Sportage models typically cost more to insure than older models because they’re worth more and cost more to repair. But you can offset some of the extra cost with discounts. The 2025 Kia Sportage has advanced safety features like automatic emergency braking and lane-keeping assist, which could qualify you for a discount.
The table below shows the average monthly premium for each Sportage model year and the average monthly premium from the cheapest insurance company, according to Compare.com data.
Sportage Model Year | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| 2025 | $158 | Mile Auto | $98 |
| 2024 | $165 | Mile Auto | $79 |
| 2023 | $163 | Just Pay-Per-Mile | $66 |
| 2022 | $141 | Safeco | $92 |
| 2021 | $149 | Mile Auto | $78 |
| 2020 | $137 | Certainly | $67 |
| 2019 | $140 | Certainly | $68 |
| 2018 | $133 | Mile Auto | $73 |
| 2017 | $134 | Mile Auto | $57 |
| 2016 | $130 | Mercury | $66 |
| 2015 | $131 | Root | $75 |
| 2014 | $135 | Mercury | $94 |
| 2013 | $124 | Elephant | $84 |
| 2012 | $119 | Elephant | $87 |
The 2025 Sportage is slightly cheaper to insure than the 2024 and 2023 models, likely due to its advanced safety features. But used models from 2018 and earlier cost significantly less to insure, on average.
Your individual premium may differ depending on a variety of factors, including where you live. We cover the average Sportage premiums by state in the next section.
Kia Sportage premiums can vary by state, and even by ZIP code. Different areas have different risk factors, including traffic congestion, theft rates, and severe weather.
Drivers in high-cost urban areas like New York usually pay more than drivers in rural Alabama. Let’s take a look at the average premiums Kia Sportage owners pay by state, according to Compare.com data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $82 |
| Arizona | $110 |
| Arkansas | $158 |
| California | $159 |
| Colorado | $129 |
| Connecticut | $251 |
| Delaware | $153 |
| Florida | $161 |
| Georgia | $164 |
| Idaho | $83 |
| Illinois | $103 |
| Indiana | $89 |
| Iowa | $75 |
| Kansas | $101 |
| Kentucky | $161 |
| Louisiana | $149 |
| Maine | $98 |
| Maryland | $227 |
| Massachusetts | $124 |
| Michigan | $194 |
| Minnesota | $124 |
| Mississippi | $124 |
| Missouri | $121 |
| Montana | $100 |
| Nebraska | $116 |
| Nevada | $197 |
| New Hampshire | $76 |
| New Jersey | $131 |
| New Mexico | $96 |
| New York | $318 |
| North Carolina | $62 |
| North Dakota | $96 |
| Ohio | $84 |
| Oklahoma | $107 |
| Oregon | $106 |
| Pennsylvania | $108 |
| Rhode Island | $95 |
| South Carolina | $181 |
| South Dakota | $80 |
| Tennessee | $93 |
| Texas | $147 |
| Utah | $120 |
| Vermont | $90 |
| Virginia | $119 |
| Washington | $92 |
| District of Columbia | $188 |
| West Virginia | $96 |
| Wisconsin | $84 |
| Wyoming | $80 |
As you age, you gain experience behind the wheel, and auto insurance companies reward you with lower premiums. Young drivers, on the other hand, pay the highest premiums because they are riskier drivers. Young drivers are disproportionately involved in fatal crashes, according to the National Highway Traffic Safety Administration (NHTSA).[9]
The table below shows the average car insurance rates for Kia Sportage drivers in three different age groups, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $263 |
| Adults | $128 |
| Seniors | $108 |
Teens pay more than double the average rate adults pay for Kia Sportage insurance. But Seniors pay even less than other adults, with an average premium of $108 per month.
Car insurance companies use your driving record to predict the likelihood you’ll file a claim in the future. If you’ve had an at-fault accident or other major traffic violation in the last several years, companies will charge you more for insurance.
The table below shows how various infractions affect car insurance premiums, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $140 |
| Speeding ticket | $194 |
| At-fault accident | $203 |
| DUI | $230 |
Drivers with a clean record pay the lowest premiums — only $140 per month, on average. Driving under the influence (DUI) convictions cause the most substantial increase in car insurance rates, but even a speeding ticket causes a rate hike.
Some insurers offer usage-based programs or driver education discounts to help offset the increase if you have a spotty record.
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Many Kia Sportage models have features that affect your car insurance premiums. Features that insurers consider when setting your rates include:
Safety rating: A vehicle’s safety record can affect its insurance cost. Kia Sportage cars generally have strong safety ratings, which may make them cheaper to insure. For example, the 2025 Kia Sportage received a 5-star overall safety rating from the NHTSA and was an IIHS Top Safety Pick for 2024.
Collision prevention: The 2025 Kia Sportage comes standard with auto emergency braking, lane assist, and rear parking sensors. Some trim levels also feature blind-spot detection and rear cross-traffic collision avoidance assist. These safety features may lower your premium.
Anti-lock brakes: Kia Sportage models dating back to 1998 have all-wheel anti-lock brakes. This feature may qualify for a discount from some car insurance companies.
Anti-theft upgrades: Because many Kia vehicles have been targets of theft, Kia has introduced free software and hardware upgrades to reduce the risk. If your Kia Sportage has the new anti-theft features, you might get a lower premium.
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The following strategies may help you save money on car insurance for your Kia Sportage.
Look for vehicle equipment discounts. Many Kia Sportage models have advanced safety and security features, so ask your insurance agent if you’re eligible for a vehicle equipment discount.
Enroll in a usage-based program. Usage-based programs use a mobile app or telematics device to collect data about your driving.[10] If you’re a low-mileage or safe driver, these programs may lower your Sportage premium. Some insurers offer a discount just for enrolling.
Bundle your policies. Many insurance companies offer a multi-policy discount for bundling your auto policy with homeowners or renters insurance. You can also get a discount for insuring more than one vehicle with the same company.
Increase your deductible. Your deductible is the amount you need to pay before your insurer reimburses you for a claim. Choosing a higher deductible lowers your premium. Just make sure you have enough money saved in case you need to repair your Kia Sportage, because you’ll pay more out of pocket.[3]
Compare car insurance quotes. Each car insurance company calculates your premium differently, and some insurers offer cheaper rates than others. You should get quotes from at least three different insurers to compare pricing. You can use an insurance-comparison site to save time and compare companies side by side.
Get coverage for your Kia Sportage at the best price.
Before you hit the trails or explore the city in your Kia Sportage, make sure you understand your auto insurance needs. Let’s clear up some of the common questions Kia Sportage drivers ask about car insurance.
Not typically. Kia Sportage car insurance costs an average of $140 per month, compared to the national average for all vehicles of $150 per month, according to Compare.com data.
Novo is the cheapest insurance company for the Kia Sportage, with an average rate of $64 per month, according to Compare.com data. Mile Auto and Travelers also offer cheap premiums for Kia Sportages.
Car insurance for the 2025 Kia Sportage costs $158 per month on average, according to Compare.com data. But your rates could be higher or lower depending on factors like your age, location, and driving habits.
The Kia Soul is the cheapest Kia model to insure. Soul drivers pay an average of $135 per month for car insurance, according to Compare.com data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Lindsay Frankel is a personal finance and insurance writer who’s been writing for Compare.com since 2023. Her work has been featured in publications such as Investopedia, LendingTree, The Balance, SFGate, Bankrate, and FinanceBuzz.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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