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The Kia Sportage is a great budget-friendly option for any driver, with 2022 models starting at $24,090. In terms of overall price, the Sportage is one of the more affordable options. It’s also a good choice if you want to save money on your insurance rates.
We combed through thousands of car insurance quotes on Compare. com, and weve determined that, on average, Kia Sportage auto insurance prices run about $148 a month. But how does that compare to other SUVs on the market?.
The 2023 Kia Sportage is one of the most anticipated new vehicle releases this year. As a popular compact SUV, many drivers are eager to get behind the wheel of the latest Sportage. However before buying a new car it’s important to understand all the costs of ownership – and one of the biggest is auto insurance. In this article, we’ll take a close look at how much you can expect to pay to insure the 2023 Kia Sportage.
Factors That Influence Kia Sportage Insurance Costs
Several key factors determine how much you’ll pay for Kia Sportage insurance coverage. Here are some of the top considerations:
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Your age: Insurance rates are highest for teen drivers and decrease as you get older, with middle-aged drivers generally paying the least. According to sample data, 16-19 year old drivers pay about $425 per month to insure a 2023 Sportage, while 30-39 year olds pay around $221 monthly.
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Driving record: Drivers with accidents, speeding tickets, DUIs and other violations on record pay more for auto insurance. Those with a clean driving history get the best rates.
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Location: Insurance rates vary widely across states and even between zip codes. Urban areas typically have higher premiums than rural zones.
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Credit score: In most states, insurers use credit-based insurance scores to set rates. Drivers with poor credit pay more than those with good credit.
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Coverage limits: The more coverage you buy (higher liability limits, lower deductibles, comprehensive and collision coverage, etc.), the more you’ll pay for insurance.
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Discounts Most insurers offer discounts for things like low mileage, anti-theft devices, good student drivers multiple policies with the same provider and more. Taking advantage of discounts can significantly reduce insurance costs.
Average 2023 Kia Sportage Insurance Rates
According to Quadrate data, the average cost to insure a 2023 Kia Sportage is around $148 per month, or $1,776 annually. Drivers with excellent credit and clean driving histories may pay closer to $115 per month, while those with poor credit and violations may pay over $180 monthly
Here’s a breakdown of average monthly 2023 Sportage insurance rates by driver profile:
- Teen driver: $425
- Young driver (20s): $162
- Middle-aged adult: $221
- Senior driver: $131
- Driver with DUI: $473
- Driver with at-fault accident: $324
- Driver with speeding ticket: $239
- Minimum coverage: $102
- Full coverage: $148
- Excellent credit: $115
- Very poor credit: $184
As you can see, demographics and record have a big impact on insurance costs. Teens and drivers with violations pay the most, while middle-aged drivers with good credit get the lowest rates. Full coverage is about $46 per month more than minimum required insurance.
Comparing Insurance Costs by Model Year
New vehicles almost always cost more to insure than used models of the same make and model. That’s because insurance rates are based in part on the vehicle’s replacement cost. The table below shows how average monthly Kia Sportage insurance premiums differ by model year and age of driver:
| Year | 16-19 yr old | 30-39 yr old |
|---|---|---|
| 2023 | $425.43 / mo | $220.69 / mo |
| 2022 | $274.97 / mo | $150.35 / mo |
| 2021 | $124.76 / mo | $191.91 / mo |
| 2020 | $300.97 / mo | $226.95 / mo |
You can save $100 or more per month insuring an older model year Sportage compared to the latest 2023 version. However, you’ll still pay more than older adult drivers.
Tips for Lowering 2023 Kia Sportage Insurance Costs
Don’t overpay for Kia Sportage insurance. Here are some smart strategies to get the lowest auto insurance rates possible:
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Shop around. Compare quotes from at least four insurers. Rates can vary substantially between companies.
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Ask about discounts. Mention any that may apply to your policy. Common ones include low mileage, defensive driver, loyalty, good student, anti-theft devices, and more.
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Raise deductibles. Going from a $500 deductible to $1,000 could reduce premiums 15% or more. Just be sure you have savings to cover the higher out-of-pocket costs if you have a claim.
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Limit coverage. Removing collision and comprehensive (not advised) or reducing liability limits can significantly cut costs – but also reduces protection.
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Improve credit. Pay bills on time, lower balances, and dispute errors to boost your credit score. Check reports annually.
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Enroll in telematics. These usage-based programs track driving habits and offer discounted rates for safe, low mileage driving.
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Ask about discounts. Mention any that may apply to your policy. Common ones include low mileage, defensive driver, loyalty, good student, anti-theft devices, and more.
Finding affordable 2023 Kia Sportage insurance will require some work. Following the tips above can help you get the best rate for your situation. Crunching the numbers now will ensure you don’t end up overpaying to protect your new Sportage.
How Much is Car Insurance for a Kia Sportage?
| Vehicle | Liability Only | Full Coverage |
|---|---|---|
| Kia Sportage | $75 | $144 |
| All Kia Models | $85 | $170 |
| All SUVs | $81 | $152 |
| Average Insurance Premium | $81 | $169 |
Based on the table above, compared to other vehicles, Kia Sportage insurance premiums are less expensive than average. Sportage owners can expect to pay about $75 a month for liability insurance and about $144 a month for full coverage, which includes liability insurance as well as comprehensive and collision coverages (see our guide, “State Minimum vs. Full Coverage” for more information). Full Coverage”, can give you more information on the difference between these types of insurance).
The Sportage is cheaper than other Kia models, with rates around 15% lower than the rest of the company’s vehicle lineup. Also, the Sportage’s coverage isn’t as good as it is for other cars with the same body style. Both liability-only and full coverage insurance premiums are usually less expensive than those for other SUVs.
Overall, theyre just more affordable to insure than the average vehicle, regardless of model, make, or body style.
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How Do Kia Sportages Compare to Other Vehicles?
If you want to buy a Kia Sportage as your next SUV, you might want to learn more about it first. Automobile insurance is one of the costs that come with getting a new car, but it’s one that you should think about.
Visit the table below to see how the Kia Sportage stacks up:
| Kia Sportage | National Average | |
|---|---|---|
| Liability Insurance | $87 | $81 |
| Full Coverage Insurance | $170 | $169 |
| Base MSRP | $24,090 | $42,283 |
| Average Annual Mileage | 13,076 | 11,660 |
The Kia Sportage is a great deal for anyone on a budget because its MSRP is a third less than the going rate for a new car. The Sportage starts at $24,090, which is a lot less than the national average MSRP of $42,283 for a car.
Auto insurance rates are a little higher than the rest of the market, but not as much as the Sportage’s lower price. Liability insurance for a Kia Sportage costs about $6 more a month than the norm, and full coverage costs one more a month.
When it comes to usage, Kia Sportage owners drive 13,076 miles a year, which is a lot more than the national average of 11,660 miles a year for all vehicles.
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FAQ
Is insurance high on Kia Sportage?
Is the Kia Sportage expensive to insure?
What should i pay for a 2023 Kia Sportage?
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|
MSRP
|
KBB Fair Purchase Price (nat’l average)
|
|
LX
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$27,615
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$26,225
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|
EX
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$29,615
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$28,140
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|
X-Line
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$32,415
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$30,904
|
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SX
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$33,115
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$31,485
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What insurance group is a Kia Sportage?
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Model
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Insurance Group
|
Tax Band
|
|
Kia Sportage 1.7 CRDi ISG 1 5d
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12
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G
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Kia Sportage 1.7 CRDi ISG 3 5d
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13
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C
|
|
Kia Sportage 4 1.6 CRDi 134bhp 48V ISG 5d
|
14
|
G
|
|
Kia Sportage 2.0 CRDi KX-1 5d
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18
|
E
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What is the cheapest Kia to insure?
The Sportage, a compact SUV, is the cheapest Kia to insure. A full coverage policy for a Kia Sportage costs around $111 per month. The most expensive Kia to insure is the Optima, at $162 per month for full coverage. The Optima is a sedan that was discontinued in 2020. Currently insured? It’s free, simple and secure.
How much does Kia Sportage insurance cost?
For a 40-year-old driver, the average insurance cost for a Kia Sportage is $1,889 per year. The average cost of insuring a Kia Sportage for a 40-year-old driver is $1,889 per year or $157 per month, per a rate analysis by Insurance.com. Moreover, the trim and model year of the Kia Sportage you choose may affect your annual car insurance premium.
How much does a 2022 Kia Sportage cost?
The Kia Sportage is a great budget-friendly option for any driver, with 2022 models starting at $24,090. The Sportage is not just on the affordable end of the spectrum when it comes to overall price point, it’s also a wise budget option when thinking about your insurance rates.
How much does a 2024 Kia Sportage cost?
With an average MSRP of $32,430, the cost to purchase a 2024 Kia Sportage ranges from $27,090 to $37,890, before dealer fees. The four small SUV models that have the most similar sticker prices to the Sportage are the Hyundai Kona, Subaru Forester, Mitsubishi Outlander, and Kia Niro.