Cheap Kia Sportage Hybrid Car Insurance in 2024 (Unlock Big Savings From These 10 Companies!)
State Farm, USAA, and Progressive are the top picks for cheap Kia Sportage Hybrid car insurance, with rates starting at just $75/mo. These providers offer the best combination of affordability, comprehensive coverage, and customer satisfaction. Learn why these companies lead in Kia Sportage Hybrid car insurance.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
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UPDATED: Jul 3, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jul 3, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Min. Coverage for Kia Sportage Hybrid
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Min. Coverage for Kia Sportage Hybrid
A.M. Best Rating
Complaint Level
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6,435 reviews
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Min. Coverage for Kia Sportage Hybrid
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
The best providers for cheap Kia Sportage Hybrid car insurance are State Farm, USAA, and Progressive. These companies offer the most competitive rates, comprehensive coverage options, and high customer satisfaction.
State Farm excels in affordability and service, USAA is praised for its exclusive benefits for military members, and Progressive stands out for its customizable policies and discounts. Learn more in our guide titled “How does the insurance company determine my premium?”
Our Top 10 Company Picks: Cheap Kia Sportage Hybrid Car Insurance
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $75 B Safety Discounts State Farm
#2 $80 A++ Military Rates USAA
#3 $83 A+ Snapshot Program Progressive
#4 $89 A+ Eco Discounts Allstate
#5 $92 A+ SmartRide Program Nationwide
#6 $96 A Hybrid Discounts Liberty Mutual
#7 $101 A Signal App Farmers
#8 $107 A Safe Driver American Family
#9 $112 A++ Bundling Policies Travelers
#10 $119 A+ Small Businesses The Hartford
This article explores why these three insurers are the top choices for your Kia Sportage Hybrid.
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Compare The Best Insurance Quotes In The Country
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#1 – State Farm: Top Overall Pick
Pros
- Bundling Policies: Significant discounts for bundling multiple insurance policies. Check out insurance savings in our complete “State Farm Car Insurance Review & Ratings.”
- Safety Features Discount: Offers discounts for vehicles with advanced safety features.
- Reliable Customer Service: Known for strong customer service and claims handling.
Cons
- Limited Multi-Policy Discount: The multi-policy discount is not as high compared to some competitors.
- Premium Costs: Despite discounts, premiums might still be relatively higher for certain coverage levels.
#2 – USAA: Best for Military Rates
Pros
- Exclusive Military Rates: Special rates and benefits for military members and their families.
- Comprehensive Coverage: Wide range of coverage options, including unique military-related policies.
- High Financial Rating: A++ rating from A.M. Best, indicating strong financial stability. See more details on our article called “USAA Insurance Review & Ratings.”
Cons
- Eligibility Restrictions: Only available to military members, veterans, and their families.
- Limited Local Agents: Fewer local agents compared to other major insurers.
#3 – Progressive: Best for Snapshot Program
Pros
- Snapshot Program: Usage-based insurance program offering potential savings.
- Discounts for Safe Drivers: Discounts for maintaining a safe driving record. Access comprehensive insights into our guide titled “Progressive Insurance Review & Ratings.”
- Online Tools: Robust online tools and mobile app for managing policies and claims.
Cons
- Rate Increases: Premiums may increase after the initial term, especially if Snapshot results are not favorable.
- Mixed Customer Reviews: Some customers report less satisfactory claims experiences.
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#4 – Allstate: Best for Eco Discounts
Pros
- Eco Discounts: Special discounts for eco-friendly vehicles. Unlock details in our guide titled “Allstate Insurance Review & Ratings.”
- Local Agents: Strong network of local agents for personalized service.
- Financial Stability: High financial ratings ensuring reliability.
Cons
- Higher Premiums: Generally higher premiums compared to some competitors.
- Complex Discounts: Discounts can be complex and vary significantly by state.
#5 – Nationwide: Best for SmartRide Program
Pros
- SmartRide Program: Telematics program offering discounts based on driving behavior.
- Strong Customer Service: Good customer service and claims satisfaction.
- Wide Coverage Options: Extensive range of coverage options and add-ons. Delve into our evaluation of “Nationwide Insurance Review & Ratings.”
Cons
- Higher Initial Premiums: May have higher initial premiums before discounts.
- Telematics Concerns: Some drivers may have privacy concerns with the SmartRide program.
#6 – Liberty Mutual: Best for Hybrid Discounts
Pros
- Hybrid Discounts: Special discounts for hybrid and electric vehicles.
- Accident Forgiveness: No rate increase after the first accident.
- Strong Financial Ratings: Reliable financial stability. Discover more about offerings in our article called “Liberty Mutual Car Insurance Review & Ratings.”
Cons
- Higher Rates: Generally higher rates compared to some competitors.
- Mixed Customer Reviews: Some reports of less satisfactory claims handling.
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#7 – Farmers: Best for Signal App
Pros
- Signal App: Telematics app offering discounts based on driving behavior. Discover insights in our article titled“Farmers Car Insurance Review & Ratings.”
- Comprehensive Coverage: Wide range of insurance products and add-ons.
- Discounts for Safe Drivers: Rewards for maintaining a safe driving record.
Cons
- Higher Premiums: Generally higher premiums compared to some competitors.
- Telematics Concerns: Some drivers may have privacy concerns with the Signal app.
#8 – American Family: Best for Safe Driver
Pros
- Safe Driver Discounts: Rewards for maintaining a safe driving record.
- Comprehensive Coverage: Wide range of insurance products and add-ons.
- Teen Safe Driver Program: Special program to help teen drivers stay safe. Learn more in our guide titled “American Family Insurance Review & Ratings.”
Cons
- Higher Rates: Generally higher rates compared to some competitors.
- Limited Availability: Not available in all states.
#9 – Travelers: Best for Bundling Policies
Pros
- Bundling Discounts: Significant savings when bundling multiple policies.
- Strong Financial Ratings: High financial stability.
- Customizable Policies: Flexible coverage options. More information is available about this provider in our article called “Travelers Insurance Review & Ratings.”
Cons
- Higher Premiums: Generally higher premiums compared to some competitors.
- Complex Discounts: Discounts can be complex and vary significantly by state.
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#10 – The Hartford: Best for Small Business
Pros
- Small Business Expertise: Tailored policies for small business owners. Discover insights in our guide titled “The Hartford Insurance Review & Ratings.”
- Lifetime Renewability: Policies guaranteed for life for AARP members.
- Strong Customer Service: High customer satisfaction and claims handling.
Cons
- Higher Rates: Generally higher rates compared to some competitors.
- Eligibility Restrictions: Some policies are limited to AARP members.
Comparative Monthly Rates for Kia Sportage Hybrid Insurance
Understanding the monthly rates for Kia Sportage Hybrid car insurance is crucial for making informed decisions. The table below provides a comprehensive comparison of minimum and full coverage rates from various insurance providers, helping you identify the most cost-effective options for your needs.
Kia Sportage Hybrid Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $89 $168
American Family $107 $187
Farmers $101 $183
Liberty Mutual $96 $178
Nationwide $92 $172
Progressive $83 $162
State Farm $75 $145
The Hartford $119 $198
Travelers $112 $193
USAA $80 $155
State Farm stands out as the top provider for Kia Sportage Hybrid car insurance, offering the lowest rates for both minimum and full coverage at $75 and $145 per month, respectively. Following closely, USAA provides competitive rates with minimum coverage at $80 and full coverage at $155 monthly, making it an excellent choice for military members and their families.
Progressive also offers affordable options, with rates at $83 for minimum coverage and $162 for full coverage. On the higher end, The Hartford charges $119 for minimum coverage and $198 for full coverage, reflecting a significant difference from the most economical providers. See more details on our article called “What age do you get cheap car insurance?”
By comparing these rates, drivers can select the insurance company that best fits their budget and coverage needs.
Factors Affecting Kia Sportage Hybrid Insurance Rates
When determining the insurance costs for your Kia Sportage Hybrid, several factors play a crucial role. Insurance providers assess various variables to gauge the risk associated with insuring your vehicle.
Key considerations influencing your insurance premiums include the vehicle’s value and repair expenses, factoring in the cost of repairs or replacement and the availability of parts. Your age and driving history are also pivotal; older drivers with clean records typically receive lower rates compared to younger or less experienced drivers with prior accidents or traffic violations.
Additionally, where you live and how you use your Kia Sportage Hybrid impact premiums, with urban areas and high-mileage usage correlating to higher insurance costs. Some insurers may review your credit history, as lower scores often coincide with higher claim likelihoods.
The deductible amount you choose affects premiums; opting for a higher deductible can lower costs but increases out-of-pocket expenses in the event of a claim. Moreover, safety features like lane departure warnings and automatic braking systems can qualify your vehicle for insurance discounts.
Check out insurance savings in our complete “Safety Features Car Insurance Discount.”
Lastly, the type and extent of coverage you select—whether comprehensive or basic liability—affect premiums, with comprehensive coverage typically resulting in higher costs due to broader protection against theft, vandalism, and natural disasters.
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The Benefits of Insuring Your Kia Sportage Hybrid
Investing in comprehensive car insurance for your Kia Sportage Hybrid offers a range of benefits beyond mere financial protection.
Firstly, it provides repair coverage, ensuring that in case of an accident or damage, the insurance can handle repair costs, thus saving you from substantial out-of-pocket expenses.
Secondly, liability coverage is crucial as it shields you financially in situations where you are deemed responsible for property damage or injuries to others, covering their medical expenses or property repairs.
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Moreover, having adequate insurance provides peace of mind, offering reassurance against unforeseen events such as minor collisions or major accidents, alleviating both emotional stress and financial strain.
Additionally, comprehensive insurance often includes rental car coverage, enabling you to access alternative transportation while your Kia Sportage Hybrid undergoes repairs following an accident.
Discover more about offerings in our article called “Does my car insurance cover rental cars when I am traveling out of town?”
Lastly, comprehensive coverage extends to protection against theft; in the unfortunate event of your vehicle being stolen and not recovered, your insurance policy can aid in replacing your Kia Sportage Hybrid, lessening the financial impact of the loss.
Exploring Different Insurance Options for the Kia Sportage Hybrid
When it comes to insuring your Kia Sportage Hybrid, you have several insurance options to consider. Here are some coverage types commonly available:
- Liability Insurance: This coverage is mandatory in most states and covers damages you cause to other people’s property or injuries you cause to others in an accident.
- Collision Insurance: Collision coverage pays for repairs to your Kia Sportage Hybrid if it is damaged in a collision, regardless of who is at fault.
- Comprehensive Insurance: Comprehensive coverage protects your Kia Sportage Hybrid against non-collision events, such as theft, vandalism, natural disasters, or accidents involving animals.
- Personal Injury Protection (PIP): PIP coverage pays for medical expenses and lost wages for you and your passengers in the event of an accident, regardless of fault.
- Uninsured/Underinsured Motorist Coverage: This type of coverage protects you if you are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages.
- Gap Insurance: Gap insurance covers the difference between the actual cash value of your Kia Sportage Hybrid and the amount you owe on your auto loan or lease in the event of a total loss.
How to Find Affordable Car Insurance for Your Kia Sportage Hybrid
Finding affordable car insurance for your Kia Sportage Hybrid involves thorough research and careful consideration. Here are some practical tips to guide you:
Firstly, compare quotes from multiple insurance providers. Each company evaluates risk factors differently, so obtaining quotes from several insurers can help you find a policy that fits both your needs and budget.
Secondly, consider bundling your policies. Many insurers offer discounts when you combine car insurance with other policies like homeowner’s or renter’s insurance. Consolidating your insurance needs with one provider could lead to significant savings.
Maintaining a clean driving record is crucial for securing lower insurance rates. Avoiding traffic violations and accidents demonstrates your commitment to safe driving and can potentially reduce your premiums.
Additionally, think about taking a defensive driving course. Not only can this improve your driving skills, but it may also make you eligible for additional insurance discounts. Learn more in our guide titled “Defensive Driving Courses Can Lower Your Car Insurance Rates.”
Regularly review your coverage to ensure it aligns with your current circumstances. Adjust your coverage levels as needed to maintain adequate protection.
Consider increasing your deductible to lower your monthly premiums. While opting for a higher deductible can reduce costs, remember that you’ll need to cover this amount out of pocket if you file a claim.
Lastly, take advantage of available discounts. Many insurers offer discounts for safe driving records, good students, and installing safety features in your vehicle. When obtaining quotes, inquire about these discounts to maximize your savings potential.
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Comparing Car Insurance Quotes for the Kia Sportage Hybrid
When comparing car insurance quotes for your Kia Sportage Hybrid, it’s important to look beyond the price tag. Here are a few factors to consider:
- Coverage Limits and Deductibles: Pay close attention to the coverage levels and deductibles offered by each insurer. A low premium may come with high deductibles or limited coverage, potentially leaving you exposed in the event of an accident.
- Customer Reviews and Satisfaction Ratings: Research customer reviews and satisfaction ratings for each insurer you are considering. Positive feedback and high ratings indicate a company’s ability to provide excellent customer service and handle claims promptly.
- Discounts and Special Offers: In addition to comparing coverage and customer satisfaction, it’s worth exploring the discounts and special offers available from each insurer. Some companies may offer discounts for safe driving records, multiple policies, or certain vehicle safety features. Taking advantage of these discounts can help you save money on your car insurance premiums.
The factors mentioned underscore the need to strike a balance between affordability and adequacy when choosing car insurance, emphasizing the importance of deductible amounts, customer satisfaction scores, and eligibility for discounts. This approach aims to maximize savings while ensuring comprehensive protection.
Stop overpaying for car insurance. Our free quote comparison tool allows you to shop for quotes from the top providers near you by entering your ZIP code below.
Frequently Asked Questions
What factors affect the cost of insurance for a Kia Sportage Hybrid car?
The cost of insurance for a Kia Sportage Hybrid car can be influenced by various factors such as the driver’s age, driving record, location, coverage options, deductible amount, and the insurance provider’s policies.
For additional details, explore our comprehensive resource titled “What age do you get cheap car insurance?”
Is insurance more expensive for a Kia Sportage Hybrid compared to a regular Kia Sportage?
Insurance rates for a Kia Sportage Hybrid may be slightly higher compared to a regular Kia Sportage due to the hybrid technology and potentially higher repair costs associated with hybrid vehicles.
Are hybrid cars generally more expensive to insure?
Hybrid cars can be slightly more expensive to insure compared to their non-hybrid counterparts. This is because hybrid vehicles often have higher repair costs and specialized parts, which can impact insurance rates.
Are there any discounts available for insuring a Kia Sportage Hybrid?
Insurance providers may offer various discounts for insuring a Kia Sportage Hybrid. These can include discounts for safety features, hybrid vehicle discounts, multi-policy discounts, good driver discounts, and more. It’s advisable to check with different insurance companies to explore available discounts.
Can I save on insurance for a Kia Sportage Hybrid by increasing my deductible?
Opting for a higher deductible can help lower the insurance premium for a Kia Sportage Hybrid. However, it’s important to consider whether you can comfortably afford the higher deductible amount in case of an accident or claim.
To find out more, explore our guide titled “Your Insurance Agent’s Role in the Claims Process.”
Is a Kia Sportage cheap to insure?
The Kia Sportage, a compact SUV manufactured by South Korean automaker Kia since 1993, is known for its stylish design and is fairly affordable to maintain and insure.
Is insurance higher on a Kia?
Kia insurance is reasonably priced compared to other car brands. Remember, Kia offers various models, and your specific car model impacts your insurance costs more significantly than the brand itself.
What is the downside to Kia Sportage?
The Sportage is a well-crafted vehicle with minimal reported problems in this model. Some concerns have arisen with the non-engine electronics, primarily involving the sat-nav system (if installed) and the starting process.
Is Kia Sportage hard to insure?
Insuring certain cars can be challenging. If you own a Kia or Hyundai model from 2015 to 2021, this may concern you. State Farm and Progressive have announced they will no longer offer policies for several of these models.
To learn more, explore our comprehensive resource on “How do I add or remove drivers from my Nationwide car insurance policy?”
Why is the Kia Sportage so popular?
The newly designed Kia Sportage impresses with its stylish exterior, advanced safety features, spacious cargo area, and enhanced fuel efficiency, making it a favorite among enthusiasts.
Is Kia Sportage high maintenance?
The Kia Sportage is an an economical vehicle with an average monthly repair cost of $38.
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Is Kia Sportage fuel efficient?
The 2023 Kia Sportage, according to EPA estimates, achieves up to 32 miles per gallon on the highway.
Is a Kia Sportage cheap to run?
The ongoing expenses for your Kia Sportage are comparable to those of other vehicles. These include insurance, road tax, servicing, and MOTs. Insurance groups for the Sportage typically range from 15 to 26, varying with the model selected.
Learn more by reading our guide titled “Best Collision Mitigation Car Insurance Discounts.”
Is Kia an affordable car?
Kia vehicles offer cost-effective purchasing and upkeep, making them a perfect choice for drivers with active lifestyles.
What is the common problem with Kia Sportage?
Regarding the issues faced by Kia Sportage, the most frequently mentioned problem is the engine idling or stalling while the vehicle is in motion. Some owners have described this as a jerking issue with the Kia Sportage.
Is Kia Sportage good for long distance driving?
The Kia Sportage Hybrid offers impressive power with its best-in-class 227 horsepower, coupled with an EPA-estimated driving range of over 500 miles. It features an active all-wheel drive system with four modes to handle various terrain challenges during your adventures.
What SUV is better than a Kia Sportage?
The Hyundai Tucson offers a compelling option compared to the Kia Sportage, sharing many features and equipment as a close relative. Its exceptional value led to accolades in 2024, including Best Compact SUV for Value and Best Compact SUV for Family Needs.
Access comprehensive insights into our guide titled “Best Car Insurance by Vehicle.”
Which insurance group is Kia Sportage?
The type of car you own impacts your insurance costs. Consider vehicles in insurance group 12 like certain Kia Sportage and BMW 2 Series models for potentially lower insurance rates when buying new or used cars.
How many years will a Kia Sportage last?
Maintaining a Kia SUV with professional assistance ensures longevity. Typically, with an average lifespan of around 200,000 miles, these vehicles can remain on the road for 13 to 17 years, driven at an annual rate of 10,000 to 15,000 miles. With proper upkeep, a well-maintained Kia SUV may even reach up to 250,000 miles.
What insurance companies will not insure Kias?
Maintaining a Kia SUV with professional assistance ensures longevity. Typically, with an average lifespan of around 200,000 miles, these vehicles can remain on the road for 13 to 17 years, driven at an annual rate of 10,000 to 15,000 miles. With proper upkeep, a well-maintained Kia SUV may even reach up to 250,000 miles.
Get the right car insurance at the best price — enter your ZIP code below to shop for coverage from the top insurers.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
