Average costs for Kia Sportage car insurance coverage range between $1,280 per year with full coverage and more or less depending on factors like location, driving record and driver age.
Save money with good credit scores, driving safely, and not filing small claims. To find the cheapest rates possible for you, compare prices that meet your specific situation.
Liability Rates
Kia Sportage drivers typically pay lower-than-average liability insurance premiums compared to drivers of similar SUVs and cars, such as Audi A4s. Full coverage typically costs under $1,280 annually while liability only typically costs approximately $71 monthly on average.
Liability rates are determined based on how much damage your car causes to other vehicles or people in an accident, with higher risks being penalized with higher premiums. Kia Sportage SUVs should have lower liability rates due to being smaller. However, should there be multiple accidents or traffic tickets, your rates could skyrocket much quicker.
Medical payments and comprehensive coverage are also typically included with an auto policy, providing for hospital bills and expenses associated with an accident that was not your responsibility. Medical payments usually provide for at least $10,000 worth of coverage while comprehensive coverage covers repairs or replacement of damaged car components following an incident.
Cost of car insurance depends on various factors, including location and driving history. Drivers in large cities tend to pay more than those living in smaller towns, while younger drivers are more likely to cause accidents than their elder counterparts, hence why teens and 20-something drivers tend to experience higher premiums.
Your driving style and safety features also play a crucial role in Kia Sportage insurance rates, with safer drivers often receiving lower premiums; having anti-theft devices installed in your car could also save money.
A key step to finding affordable Kia Sportage car insurance is shopping around and comparing quotes. There are plenty of online tools that can assist in this search, such as MetroMile's low rates for liability only coverage at $29/month while NationalGeneral and StateAuto provide close to average Kia Sportage-specific rates. Simply enter your ZIP code now to start saving money with car insurance!
Medical Payments
Ideally, in an accident with another driver, your liability insurance will cover their medical bills and property damage; however if an uninsured or underinsured motorist hits you first, those bills can quickly add up; that's why most states mandate having medical payments or personal injury protection (PIP) coverage to help pay for injuries sustained themselves as well as cover any car repairs in case an incident was your responsibility.
Collision and comprehensive coverage costs also affect Kia Sportage insurance premiums, especially if your vehicle is leased or financed through your lender. While collision coverage will likely be mandated by your lender, comprehensive can help pay to repair damages other than an accident (e.g. fire or vandalism); additionally it covers repair or replacement of windows/windshields damaged in accidents as well as cracked/broken windshields on cars financed or leased through lenders.
Your driving history also plays a large part in determining the cost of Kia Sportage car insurance premiums. Drivers with impeccable records and good safety ratings tend to qualify for lower premiums. Conversely, those with prior traffic violations or accidents typically must pay higher rates.
Your commute and driving mileage per year also play an integral part in determining Kia Sportage insurance premiums. Driving longer distances puts you at greater risk for an accident; busy traffic periods also increase this risk and should all be taken into account by your insurance provider when they calculate your rates.
If you want to save money on Kia Sportage car insurance, start by comparing quotes with multiple insurers. State Auto offered the least costly policies with rates as low as $18 monthly coverage on a 2016 Kia Sportage; other affordable carriers with competitive pricing included MetroMile, National General, American Family and CSAA - to find these best prices by entering your ZIP code above and receiving personalized quotes within minutes!
Comprehensive Coverage
Kia Sportage SUVs are considered relatively safe vehicles, helping keep car insurance costs lower. Kia models such as Soul, Sorento, and Telluride have received safety awards from the Insurance Institute for Highway Safety; some even come equipped with features to enhance driver safety such as forward collision warning systems or automated emergency braking - technologies which may either prevent crashes altogether or lessen their severity - thus decreasing risk.
Other factors affecting Kia Sportage car insurance costs include its model year, additional add-ons selected, and your driving record. Drivers with clean records often enjoy lower premiums while those involved in accidents or violations will face higher rates.
Drivers with excellent credit scores can save as much as $276 annually on Kia Sportage insurance compared to drivers with subpar scores, because such scores indicate you are a lower-risk driver, making it easier for insurers to calculate and estimate potential crashes or losses that might incur premium charges.
Standard comprehensive coverage policies offer protection for damage to your Kia Sportage from theft, natural disasters, fire and vandalism incidents as well as manmade incidents like road debris. They're typically required when leasing or financing the car while optional extensions for most other policies; it costs about $470 annually to insure one with standard collision and comprehensive coverage.
Location can have an immense effect on Kia Sportage car insurance premiums. A 40-year-old driver might pay as little as $810 annually for liability only coverage in states like Indiana or North Carolina; someone living in Detroit might need to spend upwards of $20,694. To find affordable Kia Sportage coverage quickly and affordably, shop around and compare rates from multiple providers - then start searching today to save yourself some cash!
Collision Coverage
Kia Sportage models are known to be safe, helping keep car insurance rates down. In fact, the Insurance Institute for Highway Safety recognized them as top safety picks. Furthermore, these models feature advanced features like LED projector headlights and front crash prevention as standard features or may be added at an additional cost.
How much you pay for Kia Sportage car insurance will depend on both your driving history and location. Drivers who maintain an impeccable record and good credit can save hundreds each year by selecting liability only coverage; while those involved in accidents or tickets will typically face higher rates; nonetheless they may still find affordable car insurance by shopping around for deals and asking about discounts.
Insurance costs for a Kia Sportage vary based on both its model year and your state of residence, with drivers in Ohio, Florida, or Virginia likely experiencing cheaper premiums compared to drivers living in New York, Michigan or California. Insurance premiums also fluctuate depending upon factors like driver age and coverage level chosen.
Kia Sportage drivers looking for cheaper insurance should reduce coverage limits to the state minimum and compare premiums among different companies when renewing. They should also take defensive driving courses, maintain clean records, and increase policy deductibles to bring down their insurance costs further.
To reduce costs when insuring a Kia Sportage, begin by shopping around online rates from multiple companies. CompareCart offers a free tool to gather quotes and identify which providers offer competitive rates tailored specifically for your circumstances. Be sure to ask about discounts such as those for good driving records, student discounts and veteran benefits; in addition to exploring usage-based car insurance. This type of plan takes into account how frequently and far people drive - making them very economical options for people who only require their vehicle for short journeys or work from home use cases.