Kia is one of the leading automakers in the world, and the Kia Sportage was among the top-selling vehicles in 2024.1 A stylish SUV, the 2025 Kia Sportage has a manufacturer’s suggested retail price (MSRP) starting at $28,690. It’s also cheaper than comparable new cars like the Hyundai Tucson, Subaru Forester, and Toyota RAV4.
On average, Kia Sportage drivers pay $181 per month for full-coverage policies — about 7% less than the $195 national average for all vehicles. The best way to ensure you get the right coverage is to shop around and compare prices.
Various factors determine insurance rates, including vehicle make and model, driver age and gender, claims history, marital status, driving record, and ZIP code.2 In some states, your credit history also affects your policy rates.
Kia Sportage owners pay an average of $181 per month for full-coverage policies and $96 for liability-only coverage. While rates vary by company, USAA, State Farm, and Allstate typically have the lowest average insurance premiums for the Kia Sportage.
Though car insurance costs fluctuate by model year, newer Kia Sportages are usually more expensive to insure than older models. For example, the 2020 model’s average full-coverage rate is $174 per month — $29 less than the 2025 model’s average rate.
The 2025 Kia Sportage’s base MSRP is $28,785, according to Kelley Blue Book (KBB).3 Owners of the 2025 model pay an average of $203 per month for full-coverage policies and $108 for liability-only coverage.
The table below highlights car insurance quotes from some of the cheapest car insurers for the Kia Sportage.
At $28,565, the 2024 Kia Sportage’s base-model MSRP was slightly lower than the 2025 model’s price. Full-coverage policies average $216 monthly, and liability-only policies average $115.
Below are the average rates for the 2024 Kia Sportage by insurance company.
When the 2023 Kia Sportage was released, its base-model MSRP was $27,615. On average, full-coverage policies cost $211 per month, and liability-only policies cost $112.
The table below showcases monthly rates for the Kia Sportage from the best auto insurance companies.
The 2022 Kia Sportage had a starting MSRP of $25,305. While older models usually have lower insurance rates than newer models, that’s not the case for the 2022 model year compared to the 2021 model. Full-coverage policies average $175 per month, and liability coverage averages $93.
Monthly rates for the 2022 Sportage appear in the table below.
When Kia introduced the 2021 Sportage, its base-model MSRP was $25,265. Insurance tends to be cheaper for the 2021 model year than for the 2020 model — full-coverage policies average $202 per month, and liability-only coverage averages $107.
This table highlights average monthly rates from different companies.
The base model 2020 Kia Sportage had an MSRP of $25,110. Full-coverage policies for this model year average $174 per month, and liability-only coverage averages $93.
Average rates from several of the cheapest insurers appear below.
The 2019 Kia Sportage’s base MSRP was $24,795 — just $205 over the 2018 model’s base price. Full-coverage policies average $177 per month, and liability-only coverage averages $94.
Monthly rates for the 2019 Sportage are shown below.
The 2018 Kia Sportage’s starting MSRP was $24,590. Full-coverage policies average $174 per month, and liability-only coverage averages $93.
The table below showcases the average monthly rates from several companies.
The 2017 Kia Sportage’s $24,095 base price reflected a $1,050 increase over the 2016 model. On average, full coverage costs $174 per month, and liability-only coverage averages $92.
Rates from some of the cheapest insurers are shown below.
The base 2016 Kia Sportage had an MSRP of $23,045. Full-coverage policies average $170 per month, and liability-only policies average $90.
The following table shows average full-coverage and liability-only rates for the 2016 Sportage.
Where you live plays a significant role in your car insurance premiums.5 North Carolina, New Hampshire, and Wyoming residents typically have the lowest Kia Sportage insurance rates.
By contrast, New York, Washington, D.C., and Maryland drivers pay much higher rates. That’s not surprising, considering those areas tend to have higher costs of living and more drivers on the road, increasing accident risk.
The map below highlights the average costs by state to insure a Kia. Alaska and Hawaii are not included due to lack of data.
Kia vehicles are among the most dependable cars in the country, according to the 2025 J.D. Power Vehicle Dependability Study.6 Plus, Kias are backed by the manufacturer’s 10-year/100,000-mile warranty. But accidents can happen regardless of a car’s reliability, so having the right coverage for your Kia is essential.
The following are the most common auto coverages you can buy:
Whether you’ve owned a Kia Sportage for years or are considering buying a new or used model, the following information can help as you shop for insurance.
USAA, State Farm, and Allstate have the cheapest coverage on average for the Kia Sportage, according to Insurify data.
No. In general, the Kia Sportage is less expensive to insure than many other vehicles. Average premiums for full-coverage policies are about 7% less than the national average of $195.
On average, Kia Sportage drivers pay $181 per month for full coverage. Liability-only coverage averages $96 per month.
Several Kia Sportage model years have been recalled over the past several years.9 These recalls were due to electrical system issues, problems with the instrument panel, pumps overheating, loss of power steering, and improper air bag installation, to name a few.
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