Car Insurance Quotes for a Kia Sportage
Are you getting the cheapest car insurance available for a Kia Sportage?
How Much Is Car Insurance for a Kia Sportage?
The average monthly premium for a Kia Sportage auto policy is $160 for full and $88 for minimum coverage.
You might be considering two policies: full coverage or liability-only. Liability offers third-party only benefits, while full offers first and third-party benefits to protect you, your vehicle, and your property on the road.
Freeway Insurance is ready to lend a hand if you want guidance on policy selections. Let us help you explore your options based on your budget and coverage requirements.
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Comparing Insurance Costs for a Kia Sportage to Other Vehicles
Varying insurance costs between the Kia Sportage and comparable vehicles can be attributed to several factors, including but not limited to the cost of repairs, theft rate, depreciation rate, engine size, horsepower, and even recall record for each.
| Make/Model | Annual Full Coverage Insurance |
|---|---|
| Kia Sportage | $1,280 |
| Mazda CX-5 | $1,522 |
| Hyundai Tucson | $1,455 |
| Subaru Forester | $1,064 |
| Honda CR-V | $2,110 |
Types of Car Insurance Coverage for a Kia Sportage
Many auto insurance choices are available to Kia Sportage drivers, with the two most popular being liability-only and full coverage.
Whereas state minimum liability focuses exclusively on third-party benefits, full coverage provides both first and third-party benefits for greater peace of mind.
Full Coverage
In the auto insurance industry, full coverage describes policies combining liability, collision, and comprehensive coverage.
Whereas liability provides third party-only benefits (helping to pay for injuries and damages sustained by others in an accident you cause), collision, and comprehensive pay for repairs or replacement of your vehicle or property due to crashes and non-crashes like theft, vandalism, and natural disasters.
Kia Sportage drivers can opt into uninsured/uninsured motorist coverage, medical payments (MedPay), and towing/rental car reimbursement for even greater peace of mind. Please follow your state’s requirements, as coverage required in no-fault states may not be required in at-fault states, for example, Florida‘s personal injury protection (PIP).
State Minimum Liability
One of the best ways drivers can save money is by enrolling in a liability-only policy.
A liability-only policy includes bodily injury and property damage, covering medical expenses, repairs, replacements, rehab costs, and even lawsuits by third parties in an at-fault accident you cause.
Every state requires that its drivers carry some sort of liability minimum. For example, all Illinois drivers must have bodily injury of $25,000 per person, $50,000 per accident, and $20,000 in property damage. Note that these are only minimums, so they may not be enough to cover a single accident. Try to pursue higher liability limits of at least 100/300/100.
Individual Factors That Influence Pricing for the Kia Sportage
Today’s auto providers use proprietary underwriting methods to determine the risk in insuring every driver and vehicle.
Three factors that affect pricing include vehicle type, location and age/experience.
Vehicle Type
Your vehicle type plays a major role in the cost of premiums. Sporty, high-performance, or $100,000+ vehicles will likely see higher repair and replacement costs than a $4,000 Honda Civic.
Location
Your location also affects insurance pricing. High-density urban areas like New York City and Chicago see higher average premiums across all demographics than sparsely populated, rural cities like Hattiesburg, MS, and Dothan, AL.
Age/Experience
Lastly, age and experience matter. If you’re under 25, expect to pay significantly more in premiums than drivers in their thirties, 40s and 50s. Naturally, as drivers approach their 60s, rates should start to creep upward again (even with a clean driving record) thanks to this age group’s increased risk of accidents.
How Does a DUI Affect Insurance Rates?
As a Kia Sportage driver, do not be convicted of a DUI under any circumstances.
Even first-time DUI offenders can see their premiums skyrocket. Now that you have been reclassified as a higher-risk driver, expect to pay double or triple in premiums (depending on the location, your existing driving record, and the severity of the offense/s).
In addition, you may be required to file an SR-22 certificate, a proof of financial responsibility that lets the state know that you have the minimum required liability coverage to drive legally.
Lastly, it is essential to remember that you will now see limited coverage options. At worst, your insurance company can deny or cancel your coverage outright, forcing you to choose a specialty insurer specializing in high-risk drivers.
Keep your driving record clean for at least three years after a DUI conviction to start seeing rates slowly decrease.
What Are Some Car Insurance Discounts for a Compact SUV?
Two of the best discounts Kia Sportage drivers can be eligible for are multi-policy and good driver discounts.
Also referred to as a “bundling” discount, multi-policy discounts reward policyholders for combining two or more policies under a single umbrella (e.g., auto and homeowners). In turn, good driver discounts are given to drivers with a spotless driving record free of traffic violations, claims, and other infractions (usually within the past three to five years)
Other discounts you may be able to get include:
- Defensive Driving Discount. If you complete a certified defensive driving course that teaches everything from accident avoidance to navigating slippery roads, expect a small discount (assuming your provider offers it).
- Alternative Fuel Discount. If you drive an unconventional vehicle (e.g., an electric or hybrid car), you might be eligible for an alternative fuel vehicle discount, thanks to the higher likelihood of fewer mechanical and maintenance issues.
- Low Mileage Discount If you drive less than 7,500 miles a year, expect a low mileage discount and tiered discounts for higher mileage (e.g., 10,000, 12,000, and 15,000 miles), depending on the provider.
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What Are Some of the Characteristics of the Kia Sportage?
The Kia Sportage is a vehicle in the compact SUV segment.
It has seven trims: LX, EX, X-Line AWD, SX, SX Prestige, X-Pro, and X-Pro Prestige, with only one 187-horsepower, four-cylinder engine.
Standard features on the Kia Sportage include an 8-inch touch screen, Apple CarPlay/Android Auto compatibility, and a six-speaker stereo. Upgrading to higher level trims adds a 12.3-inch touch screen, remote keyless entry, panoramic sunroof, push-button start, and eight-speaker Harman Kardon audio system.
Main competitors are the Mazda CX-5, Hyundai Tucson, Subaru Forester, and Honda CR-V.
Find the Best Car Insurance Rates Online for the Kia Sportage Today
If you are a Kia Sportage driver interested in learning more about the right auto insurance policy for you and your family, Freeway Insurance is more than ready to assist.
To learn your options, call us at 800-777-5620, visit us at a location near you, or request a quote online. Let’s make it easy for you to find the right plan.