Kia Sportage LX 2WD 4-Dr Insurance Rates

The average auto insurance rates for a Kia Sportage LX 2WD 4-Dr are $1,194 annually including full coverage. Comprehensive insurance costs around $258 each year, collision costs $414, and liability costs $364. Buying just liability costs as little as $430 a year, with insurance for high-risk drivers costing $2,556 or more. Teenage drivers cost the most to insure at $4,472 a year or more.

Annual premium for full coverage: $1,194

Policy rates for individual coverage:

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

Price Range for Insurance for this Kia Sportage Trim Level

These price differences highlight why all drivers should compare rates for a specific zip code and their own personal driving habits, instead of using average rates.

Use the form below to get rates for your location.

Insurance rates for a Kia Sportage LX 2WD 4-Dr also range considerably based on the model year, your driving characteristics, and deductibles and policy limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for teenagers, where even without any violations or accidents they can expect to pay as much as $4,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,400 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $450 every year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise prices by up to $327 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Kia Sportage LX 2WD 4-Dr insurance prices. A 40-year-old driver could pay as low as $1,060 a year in states like , Indiana, and North Carolina, or be forced to pay as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

Because prices have so much variability, the best way to figure out your exact price is to do a rate comparison and see which company has the best price. Every company uses a different method to calculate prices, so the rates will be varied between companies.

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The chart above shows average Kia Sportage LX 2WD 4-Dr insurance prices for different situations. The best price after discounts is $704. Drivers who use higher $1,000 deductibles will pay about $1,040. The average price for a driver age 40 with no violations using $500 deductibles is $1,194. Using lower $100 deductibles for collision and other-than-collision coverage can cost as much as $1,486. Drivers with multiple violations and accidents could be charged around $2,556. The policy rate for full coverage for a 16-year-old driver is $4,472.

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