The Kia Sportage has been around for more than 25 years and has gone through five generations of models, with each model being more appealing than their last. When you purchase this high-ranking compact crossover, you'll want to get equally high-quality car insurance. An insurance agent is the perfect person to help you find the best insurance rates for your Kia Sportage, as well as help you save money on your premium.
What Kind of Insurance Do You Need for Your Kia Sportage?
Your car insurance is designed to protect you from any potential risks you'll encounter when on the road, or even when your car is parked. Every state requires different coverages and there is a handful of important additions that you should consider. Your insurance agent can help you determine the exact insurance you need.
Bodily Injury Liability
Most states require a minimum amount of liability coverage. Depending on your personal situation, you may want to consider purchasing more than what is minimally required to make sure you have enough coverage should you get in an accident. Bodily injury liability insurance pays for any associated costs from an accident where you're at fault and the other party is injured. This includes everything from medical care costs to lost wages.
Property Damage Liability
Property damage liability is the part of your liability insurance that covers any damage or injuries that may occur if you're at fault for crashing into someone's property, vehicle, or home. Similar to bodily injury liability, it covers any claims that the third party makes against you. It would pay to repair or replace the damage. Most states also require a minimum amount of property damage liability insurance.
Medical Payments/Personal Injury Protection
Personal injury protection (PIP) or medical payments coverage, is an extension to your car insurance policy that pays for medical expenses, lost wages, and any other damage you personally incur should you be in an accident. Unlike bodily injury liability, PIP insurance does not factor in fault and is often referred to as "no-fault" insurance. This means that, even if you caused the accident, you can still make a claim under your PIP insurance. This type of coverage can be purchased in most states, but is mandated in the following 15 states.
- Maryland (unless a waiver is signed at initial purchase of the policy)
- New Jersey
- New York
- North Dakota
Uninsured Motorist Coverage
If you're in an accident with a driver who is uninsured or underinsured, you're left covering any damage and medical expense yourself. Uninsured motorist coverage is there to pay for injuries and damage so you don't have to.
Optional Coverage to Consider
If you collide with another vehicle or object, collision insurance pays for any damage to your car and the property you hit. Even though collision insurance is not required by the states, it's best to talk with your independent insurance agent about the value of this coverage.
From hailstorms and fires to a deer in the road and falling rocks, there are a number of other incidents that could result in damage to your car. Repairing a car can be very costly. Comprehensive insurance covers the cost to repair or replace your car if you experience one of these mishaps.
Windshield replacement costs range from the low hundreds up to $1,000. Depending on the year and model of your Kia Sportage, it might be worth investing in glass coverage. Plus, it's illegal to drive with a cracked windshield, so if you're at risk for having to replace your windshield often, this low-cost and often no-deductible coverage is worth purchasing.
If you're leasing your Kia Sportage or still owe money on your loan, you could find yourself with a totaled car and still owing money. If you're left with a "gap" between what your insurance pays out for your totaled car and what you owe, gap coverage cover the difference .
What Affects the Cost of Insurance for Your Kia Sportage?
How Much You Drive a Year
The more often you drive your car, the greater risk there is of getting in an accident or experiencing another type of incident. Therefore, the more mileage you put on your vehicle each year, the higher your insurance premium will be.
Your Driving Record
If you have violations on your record, it will negatively impact your insurance premiums. Your insurance agent can help you determine when violations will fall off your record. Most insurance companies reward safe drivers, so it's worth looking for a company that will drop your rates after a certain number of years without an accident.
The Value of Your Car
A brand-new Kia Sportage ranges from $23,990 to $35,090. More expensive cars will cost more to insure. Value decrease with the age of a car, so if you're willing to purchase an older model vehicle, you'll most likely save on insurance costs.
|Model Year||Price Range of Kia Sportage|
|2019||$18,125 - $25,375|
|2018||$15,950 - $22,550|
|2017||$15,000 - $20,900|
|2016||$12,825 - $18,075|
The Safety of Your Car
A large contributing factor to car insurance premiums is how safe the car is. The Kia Sportage has increased its safety rankings over the years. With the 2020 models, the National Highway Safety Administration (NHTSA) gave the car five-out-of-five stars on the overall crash test and overall side crash test. The Insurance Institute for Highway Safety (IIHS) gave the vehicle an overall "good" rating across the board for crash tests, which is the institute's highest rating designation.
Where You Live and Drive
Living in a densely populated city where you have to commute a long way and deal with increased traffic can negatively impact your premiums. Insurance companies take commuting times and potential traffic during your commute into consideration when setting premiums. The busier the roads are, the more likely you are to get into an accident.
Additional Factors That Affect Your Kia Sportage Insurance Premiums
In addition to the above factors, the following will also be taken into consideration when setting your car insurance premium.
- Safety features like anti-theft devices
- Your age
- Your gender
- The deductibles you choose
- Your credit rating
What Is the Average Cost to Insure a Kia Sportage?
|Average annual cost to insure a Kia Sportage||$1,280|
Which States Are Most and Least Affordable for Car Insurance?
Estimated annual car insurance premiums in the United States:
|Most Expensive States||Annual Premium|
|Most Affordable States||Annual Premium|
Top Insurance Carriers That Insure the Kia Sportage
According to the Insurance Information Institute, the companies that offer the best car insurance for a Kia Sportage are the ones with the highest market share. This includes:
- State Farm
- Liberty Mutual
Get a Kia Sportage Quote
An independent insurance agent can help you get the most affordable quote available for your Kia Sportage. Your agent will shop quotes from top insurance companies, finding you the best rate. Your agent can help you understand how to balance premium costs and insurance levels so you get the best value for your dollar.
Reach out to a TrustedChoice.com agent today to get a quote for insurance on your Kia Sportage. An independent insurance agent can shop dozens of insurance companies and help you get the right type of auto insurance.
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