Kia Sportage EX 2WD 4-Dr Insurance Rates

Average auto insurance rates for a Kia Sportage EX 2WD 4-Dr are $1,282 annually including full coverage. Comprehensive costs an estimated $284, collision insurance costs $476, and liability costs around $364. Just liability insurance costs as low as $430 a year, and coverage for high-risk drivers costs around $2,758. Teen drivers receive the highest rates at up to $4,762 a year.

Annual premium for full coverage: $1,282

Rate estimates broken down by type of coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Kia Sportage Trim Level

Price Range by Location

Where you live can make a big difference on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than larger metro areas. The example below illustrates how rural and urban location affects insurance prices.

These differences highlight why everyone should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Insurance prices for a Kia Sportage EX 2WD 4-Dr can also vary considerably based on the model year of your Sportage, your driving characteristics, and liability limits and deductibles.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,200 a year for full coverage. Prices are highest for teen drivers, where even without any violations or accidents they should be prepared to pay at least $4,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,500 to $2,100 additional per year, depending on your age. Kia Sportage EX 2WD 4-Dr insurance for high-risk drivers can be from 44% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $510 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $327 more each year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Kia Sportage EX 2WD 4-Dr insurance prices. A driver around age 40 might see prices as low as $1,060 a year in states like North Carolina, Indiana, and , or as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

With so much variability in prices, the best way to figure out who has the best auto insurance prices is to regularly compare prices from multiple companies. Each insurance company uses a different rate calculation, and rates can be significantly different between companies.

View Chart as Image

The chart above shows average Kia Sportage EX 2WD 4-Dr insurance prices for various situations. The cheapest discount price is $748. Drivers who choose higher $1,000 deductibles will pay about $1,110. The average price for a driver around age 40 using $500 deductibles is $1,282. Selecting more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $1,618. High risk drivers could be charged as much as $2,758. The rate for full coverage insurance for a teenage driver can be as high as $4,762.

View Chart as Image