Kia Sportage LX 4WD 4-Dr Insurance Rates

U.S. average insurance prices for a Kia Sportage LX 4WD 4-Dr are $1,282 every 12 months for full coverage insurance. Comprehensive costs on average $284 a year, collision costs $476, and liability costs $364. Liability-only coverage costs as little as $430 a year, with high-risk coverage costing around $2,758. Teenage drivers pay the highest rates at $4,762 a year or more.

Annual premium for full coverage: $1,282

Price estimates by individual coverage type:

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

Price Range for Insurance for this Kia Sportage Trim Level

Geographic Price Range

Your location can make a big difference on insurance rates. Rural areas have more infrequent physical damage claims than densely populated cities.

The diagram below illustrates how rural and urban location affects car insurance rates.

These price ranges illustrate why it is important for drivers to compare rates based on a specific location and their own driving history, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Auto insurance rates for a Kia Sportage LX 4WD 4-Dr are also quite variable based on deductibles and policy limits, your risk profile, and the model year of your Sportage.

Using high physical damage deductibles could save up to $510 annually, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase rates by as much as $327 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as low as $1,200 per year on average for full coverage. Rates are much higher for teenage drivers, since even excellent drivers will have to pay upwards of $4,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,500 to $2,100 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost from 44% to 131% more than a normal policy. View High Risk Driver Rates

The state you live in makes a big difference in Kia Sportage LX 4WD 4-Dr insurance prices. A 40-year-old driver could pay as low as $1,180 a year in states like North Carolina, , and , or be forced to pay as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

Since rates can be so different, the only way to figure out exactly what you will pay is to get quotes from multiple companies. Every company uses a different method to calculate rates, and quoted rates may be quite different.

View Chart as Image

The chart estimates Kia Sportage LX 4WD 4-Dr insurance rates for different coverage choices and risks. The cheapest discount rate is $748. Drivers who use higher $1,000 deductibles will pay $1,110. The average rate for a 40-year-old male driver using $500 deductibles is $1,282. Choosing low $100 deductibles for physical damage coverage can cost as much as $1,618. Drivers with multiple violations and accidents could be charged at least $2,758. The cost for full coverage insurance for a teen driver is $4,762.

View Chart as Image