Average Kia Sportage Car Insurance Cost
Average Kia Sportage Car Insurance Cost
Average Kia Sportage car insurance cost

Kia Sportage car insurance rates can differ widely depending on its model and driver profile. Shopping around for quotes to find affordable coverages will help ensure you secure an affordable policy for your ride.

Location also plays a factor, as rural areas usually offer lower insurance premiums than large cities. Driving history and policy deductibles also have a considerable bearing on costs.

Liability Coverage

The Kia Sportage is a small SUV, which should make insuring it less costly than larger vehicles. Insurance rates will depend on various factors, including driver history and vehicle maintenance records; for instance, those with multiple accidents or tickets will usually pay higher premiums than drivers with clean records; furthermore, upgrading liability coverage from low to high can often incur higher expenses than sticking with basic plans.

Kia Sportage insurance rates also depend on how often and far you drive annually, with those driving over 10,000 miles annually typically paying more due to increased risks for speeding tickets or accidents. Your location also plays an impactful role - rural areas often present lower risks of physical damage claims than large cities; thus resulting in cheaper car insurance premiums.

Alongside the factors mentioned above, your Kia Sportage's age can also have an effect on its insurance rate. Newer models often cost more to insure due to higher repair costs; however, as cars depreciate with age their insurance rates often decrease over time.

Liability coverage is typically the minimum requirement in most states and covers injuries and property damages caused by at-fault accidents that you cause to others. Additionally, this may cover medical payments to cover hospital bills for you and any passengers after an accident occurs.

If you're leasing or financing your Kia Sportage, your lender may require collision coverage as part of the terms. This coverage helps repair or replace it if it's involved in an accident with another car or object; in addition it could cover damages from storms, vandalism and other events outside your control.

Overall, the Kia Sportage is an incredibly safe car to drive, earning awards from the Insurance Institute for Highway Safety for its safety features. Soul, Sorento and Telluride all earned Top Safety Pick awards; while its rival - Telluride - also garnered Top Safety Pick status; both Kia models received favorable crash tests results as well as front crash prevention ratings from IIHS.

Collision Coverage

Insurance companies consider various factors when setting car insurance rates. They consider factors like a driver's age, driving record, location and coverage options when setting rates; some factors are more influential than others - for instance young drivers often pay more than older counterparts; additionally, type of vehicle can affect rates as well.

Kia Sportage SUVs are relatively economical to insure. Insuring one with full coverage costs less than the national average and is significantly more affordable than similar body styled vehicles. Furthermore, repairs tend to be affordable which helps maintain low rates.

The Kia Sportage is an ideal mid-size SUV for families, offering increased safety as compared to larger vehicles. Even though its small size, this vehicle comes equipped with several safety features that protect its occupants such as airbags, anti-lock brakes, electronic stability control, roadside assistance and automatic seat belts - depending on which model it is selected from.

Liability bodily injury and property damage coverage is an integral component of any auto insurance policy, providing reimbursement if you are found at fault in an accident.

Your rate may differ depending on which insurer provides this type of coverage and in what areas. For instance, those living in areas with higher accident rates could pay more than average for liability bodily injury coverage.

Liability coverage can also be affected by your personal credit score. Achieving a high rating will lower premium costs significantly and allow you to save money with higher deductible options.

Comprehensive insurance (or "other than collision") covers repairs or replacement costs if your car is involved in an accident that wasn't your responsibility, making this type of coverage essential if leasing or financing your car. This coverage typically comes as part of your agreement when leasing or financing the vehicle.

Comprehensive insurance generally costs more than liability coverage; however, it could save you significant sums in the event that your car is damaged by fire or vandalism. Furthermore, some car insurers provide discounts if you complete defensive driving courses or install anti-theft devices into your car.

Comprehensive Coverage

Add comprehensive coverage to your Kia Sportage policy for an estimated annual cost of $226 and experience totalling damage caused by events other than collision with another vehicle or object; theft/vandalism damage compensation will also be covered; when combined, maximum liability limits increase up to $250,000.

Insurance premiums tend to be higher for smaller SUVs due to their greater propensity for collision with other vehicles or objects than larger cars, yet the Kia Sportage doesn't fall into that category and should not have high rates. Liability coverage, which covers damage done to other drivers' vehicles or medical bills for other people involved in an accident, plays an integral part of car insurance pricing calculations.

Collision coverage, which pays to repair damage caused by collision with another car or object, is another significant factor influencing auto insurance rates. Leasing or financing agreements often mandate standard collision coverage coverage on Kia vehicles leased or financed through lenders.

Maintain a safe driving record and avoid accidents or violations to lower your auto insurance rates, raise deductibles to save on premium payments, or take advantage of discounts such as good student, senior citizen or military discounts.

Find the lowest cost Kia Sportage car insurance policy by comparing quotes online from multiple providers. When making this comparison, be sure to include all mandatory coverage required by your state as well as optional collision and comprehensive policies. It may be wise to add uninsured/underinsured motorist coverage which protects against injury caused by uninsured/underinsured drivers who do not carry enough coverage or do not have it at all.

Kia Sportage car insurance costs rank 38th of 47 for small SUVs in terms of affordability. Toyota RAV4 insurance costs less while Honda CR-V, Chevrolet Equinox and Nissan Rogue cost more. If you are young driver looking to save on insurance premiums the most effective strategy would be having an excellent credit score; drivers with 800+ credit scores typically enjoy lower premiums.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage costs roughly $5 a month or $71 annually to add onto a Kia Sportage policy and can help cover repairs if you're hit by someone without enough coverage, either because they either lack insurance altogether or don't carry enough. It provides much-needed repairs coverage in these instances of injury caused by drivers without enough coverage - providing protection in cases when another party either doesn't have insurance at all or fails to offer sufficient compensation in the event of an accident.

Full coverage on a Kia Sportage costs approximately $142/month or $1576 annually, depending on which policy option is chosen. Our research showed MetroMile to have the cheapest liability-only coverage at just $23 per month; NationalGeneral and Dairyland could also offer competitive policies; the exact amount depends upon each individual and their specific profile.

There are a number of factors that can have an effect on your auto insurance rates, including where you live and the frequency with which you drive. The table below details these aspects based on state average insurance premiums for the Kia Sportage.

Age and driving record are also key considerations when purchasing car insurance. Younger drivers tend to pay more, while accident-free driving should get you discounted rates. To save money when shopping for auto coverage online is to compare prices and policy options while shopping for discounts such as good student, safe driver or multi-policy homeowner bundle discounts which could lower your rate significantly.

In some states, where you park your vehicle can impact its car insurance rates. For instance, parking a Sportage garage instead of on the street may help bring down its premium.

An additional factor influencing your rate is your driving history and criminal background. A few speeding tickets or DUI/DWI can significantly raise your rate; to save money on car insurance, avoid getting any traffic tickets or commit major misdemeanors; increasing deductibles could also help save money; for those who drive less frequently pay-per-mile insurance may offer better savings options than standard policies.