Kia Sportage EX 4WD 4-Dr Insurance Rates

Estimated insurance rates for a Kia Sportage EX 4WD 4-Dr are $1,328 a year including full coverage. Comprehensive costs around $298, collision insurance costs $508, and liability costs around $364. A liability-only policy costs as low as $430 a year, and high-risk insurance costs around $2,858. Teen drivers pay the most at up to $4,906 a year.

Annual premium for full coverage: $1,328

Premium estimates for 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

Insurance Price Range by Location

Where you live can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas. The example below illustrates how geographic area affects auto insurance rates.

These rate differences highlight why everyone should compare prices for a specific zip code, instead of using price averages.

Use the form below to get rates for your location.

Auto insurance rates for a Kia Sportage EX 4WD 4-Dr also have a wide range based on the replacement cost of your Sportage, your driving record and age, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are likely paying at least $1,600 to $2,100 in extra premium annually, depending on your age. Kia Sportage EX 4WD 4-Dr insurance for high-risk drivers can be as much as 43% to 135% more than average. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay as much as $4,900 a year. View Rates by Age

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

Choosing high deductibles could cut prices by as much as $540 every year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $327 extra every year. View Rates by Deductible or Liability Limit

With such a large range of prices, the best way to figure out your exact price is to regularly compare prices and see which company has the best price. Each insurance company uses a different rate calculation, and quoted rates will be substantially different.

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The chart above shows average Kia Sportage EX 4WD 4-Dr insurance prices for various risks and coverage choices. The best price after discounts is $769. Drivers who choose higher $1,000 deductibles will pay $1,146. The average price for a driver age 40 with no violations using $500 deductibles is $1,328. Selecting more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $1,684. High risk drivers could be charged up to $2,858. The rate for full coverage insurance for a 16-year-old driver can be as high as $4,906.

View Chart as Image