The Kia Sportage is a small SUV produced by the South Korean manufacturer Kia since 1993. Considering the style of the vehicle, it’s relatively cheap to run and insure. In this guide, you’ll learn the key facts about insuring a Kia Sportage.
What insurance group does the Kia Sportage fall under?
All vehicles are assigned a specific insurance group that ranges from 1 (cheapest) to 50 (most expensive), which helps to determine the cost of your premium. Kia Sportage models can be found in insurance groups ranging from 2 to 10, meaning costs will typically be a cheap price for car insurance. As an example, a 30-year-old driver in an average postcode could pay around £553 for cover on a Kia Sportage 2 1.4 CRDi 76bhp ISG 5d that is in insurance group 2 or around £640 for a Kia Sportage GT-Line S 1.0 T-GDi 118bhp ISG 5d that is in insurance group 10. This shows the impact on premium pricing that occurs when one car is in a much higher insurance group.
These rates are based on the average cost of cover for cars in the insurance groups shown, for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: June 2024 (source: Confused)
Average Kia Sportage insurance costs
To provide you with an indication of how much it could cost you to insure your Kia Sportage, we ran several quotes to get an average figure. Our results estimated that you could insure your Kia Sportage with comprehensive cover for the average cost of £69.27 a month, or a single annual payment of £712.37.
For our enquiries, we used the following information:
The car is a 2018 model
The driver is a 30-year-old teacher from London
Manual transmission
Diesel
10,000 mileage per year
Factory fitted Thatcham approved alarm system
Used for social, domestic and commuting purposes
The car is not modified
The car is parked in a car park during the day
The car is parked on a driveway at night
Five years no claims discount
No driving or other convictions for the past 5 years
Which factors affect my Kia Sportage insurance rate?
There are a number of factors that are likely to influence the price of your insurance premiums. We have listed them below for you:
Your age, marital status, job and where you live
The model and age of your car
Your car’s safety rating, security and any anti-theft precautions
When it comes to insurance and saving money, every little helps. To keep your premiums at a price that’s affordable for you, there are several tricks that you can try that might just save you some money. We have listed the advice below:
Pay annually rather than monthly. It may seem daunting to part with a large sum of money in one go, but by doing so, you’ll actually be saving money. By paying annually, rather than monthly, you could save an average of £118.87 a year.
Make yourself a secure investment. By keeping a good credit rating and a clean history of no claims, you will appeal more to insurance companies as a secure investment, and they may reward you with lower premiums.
Be economical about your car usage. Simple lifestyle choices such as walking to the shops or getting public transport to work can help to lower your premiums.
Don’t just accept your renewal quote. Renewal quotes aren’t always that best price out there, and so when it’s time for renewal, make sure you shop around before you commit.
Install extra safety precautions. Companies don’t like insuring risks, and so the safer your car is, the more it will appeal to them as a wise investment. By adding extra safety measures, you may just see your premium drop.
Avoid driving convictions. This one may seem like an obvious one, but it is important nonetheless. A driving conviction, or any conviction for that matter, is likely to hike up your premium, so should be avoided.
Kia Sportage facts
In 2016 and 2017, the Sportage surpassed the Kia Rio to become the best-selling Kia in the world.
The current generation of the Sportage has set sales alight for Kia, raking up one million sales in 29 months.
The Kia Sportage was announced as the fastest selling used car in 2017 by data collected from Auto Trader, taking an average of just 24 days to sell.
Bottom line
The Kia Sportage is a cheap vehicle to insure considering it’s an SUV. If a younger driver with not so much of a no-claims bonus, this could therefore be the ideal SUV for you. Better yet, the tips in this guide will help you to cut your premiums even lower.
Frequently asked questions
Depending on the model version, you can expect a Kia Sportage to reach a top speed of 127 miles per hour.
When tested by Euro NCAP in 2015, the Kia Sportage was awarded a 5/5 rating for its safety. It scored an impressive 90% for adult occupant safety, and 83% for child occupant safety. It is also worth noting that it scored a great 71% for safety assist due to its safety measures.
As previously mentioned, the safer your vehicle is, the lower your premiums are likely to be. As standard, the Kia Sportage only comes with a basic selection of safety features, including Seat Belt reminders and ESC, or electronic stability control, to keep your car gripped to the road.
Fear not, though, as there is a large range of optional, extra safety features that you can choose from. You can add AEB City and AEB Inter-Urban to your Sportage, which are impressive technological features designed to help you to avoid low speed collisions. You can also add speed assistance, as well as a Lane Assist System to help prevent you drifting from your lane. For a full list of details about optional safety extras, visit the Kia website.
The UK standard car tax rate sits at £150 per year. However, you might pay more or less depending on your car’s emissions.
You can buy a Kia Sportage at dealerships, using online sellers or from a current owner.
You can compare the costs of Kia Sportage car insurance using any price comparison website.
The Kia Sportage can be found in insurance groups ranging from 2 to 10. This means they’re among the most cheapest cars on the road to insure.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (Mar ’24). 51% of car insurance customers could save £539.54
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
Millie Spark was a writer for Finder and covered a range of subjects including how to get the best deal on everyday shopping, and insurance. See full bio
Read our comprehensive guide and find out how much it may cost you to insure a Kia Picanto and how to save on your car insurance premiums.
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