I have two 2023 Sportage's and they both cost $558 each every 6 months. I am over 60 and have no accidents or tickets. Looking at your policy above the bulk of your increase was for liability. That typically has nothing to do with the vehicle as you can cause the same damage in a Sportage as your Ridgeline. Was there a ticket or accident that kicked in? Could be just a price increase from the carrier that they cant do until your renewal or policy change that has nothing to do with it being a Sportage.

 

I am with you on the bodily injury increase of around $500. Not sure why it would be that high, except for maybe because it’s a hybrid. Many EV type vehicles are seeing increases.

There are no tickets, accidents, claims, etc on the policy. This is our renewal paperwork effective April 1, 2024.

I will continue to shop around. It is tough getting Kia’s in general repaired and finding parts.

 

I would guess the new bodystyle would hopefully sidestep the EZ theft insurance hikes but I wouldn’t be surprised if the insurance calculations in general don’t discern by equipment, close chronologically but redesigned years.

Definitely shop around just in case, insurance is definitely a sneaky factor.

 

I was shopping for insurance in the fall (we have a 19 Sportage EX). Several carriers would not even quote insurance due to the issue with break ins / car theft. Even though I explained we had a push button start, not a traditional key start.... Didn't matter. They (carriers) are on the warpath against Kias.....

 

This is the main issue - insurance doesn't seem to care that the new Kia's have a start button and are not vulnerable to the Kia Boyz hack. However, from their perspective, even if the hack won't work, it may not prevent them from trying and then causing extensive damage to the vehicle which the insurance co won't want to repair. It's a terrible situation but the OP will just need to shop around and pray for coverage and good deal.

I live in Canada and, for the moment, insurance here is being more discerning in covering those with start buttons.

 

Don't pay anywhere near that through State Farm, a little less than half. Full coverage, $500 deductable, no tickets, no accidents 820+plus credit score for me and wife. If I hated my Kia as much as you I'd sell it and move on.

 

Wow, those are harsh words. I don't hate it, just the insurance rates on the Sportage. Besides, I would lose at least $5K by trying to sell it. My wife loves the car, but she does not realize how much insurance is for it. More than either of our two other vehicles.

I am not sure why all the hate when I say anything derogatory about a mechanical device. Your experience may vary, but it does not mean my concerns are any less valid than someone else's.

It all depends where you live. I live in a metropolitan area, not in the country or in the sticks.

 

I pay $230.08 for 6 months for our Sportage hybrid. It's actually less than I pay for our 2018 Santa Fe.

 

If I had that low of insurance premiums I would purchase two more vehicles.

 

This is interesting. I switched from 2019 Acura RDX to 2023 Kia sportage, and my insurance went down $120 per year. $10 per month is not a lot, but the fact I am saving on insurance when I switch from an older vehicle to a newer vehicle was great.

 

I went to a Toyota worth 3-5 times as much (ranging from trade-in to my private party estimates) as the Sorento at time of sale and my insurance barely changed with the same coverage.



You’re in Canada though, due to specific government regulations mandating basic anti-theft measures - the circumstances that caused us American’s so much trouble including insurance hikes never happened over there.

 

My insurance stayed the same from a Hyundai Accent to 23 Sportage Hybrid, So Cal

 

Seems that this thread is a case of, "It's not the car - It's the insurance company." Keep shopping for better rates, Sparky! Also no complaints w/my State Farm coverage (currently).

But it is also obvious from news stories cropping up locally and nationally, that auto insurance rates across the nation (as well as homeowners and most other types) are up almost 20% annually. Ouch.

Car insurance rates just had their biggest annual jump in 47 years. This is why | CNN Business

But a (possible) cause "that must not be named" is also the greatly increasing all cause mortality rates that are hurting life insurers who are raising rates in other areas to make up for it:

‘Excess mortality’ continuing surge causes concerns

That is a VERY scary chart right there. Why are so many more younger people dying these last few years? (HINT: Don't you dare suggest that it could be something to do with the COVID vaccines!?...) The data doesn't lie. And if it was COVID itself, why aren't the older age groups suffering more?

The good news is that its getting better. Kinda makes you want to run out and get a booster? Not...

 

I have a 2023 Hybrid Sportage SX PRESTIGE, 2019 Toyota Rav4, and 2011 Hyundia Tuson full coverage on all and pay $260 a month or $3100 ish a year. I can't seem to break down per car on my app but I don't see the pricing you are seeing. It may not be car related

 

I'm in Western PA with a SX-P and I have similar coverages with the exception that I take $250 deductibles and with AMICA, which I've been with for nearly 20 years and extremely happy with might I add.. I pay around $1000/Year. I do shop around on occasion and my rates are right on target with other providers. typically lower, in fact. My rates went up a little from my last vehicle which was to be expected as this was newer and a hybrid.

As others have said, I would definitely shop around. I have been quoted through Nationwide and they have been significantly higher than AMICA in most cases, So, I would not be surprised if you're being soaked by them as well.

 

We have been looking at a sportage to replace the old airport beater and got insurance quotes for all the different flavors they come in just yesterday... The Gasoline versions have the highest insurance cost while the hybrid is $200 less per 6 months. After comparing the gasoline and the hybrid options which are virtually identical while also virtually identically priced why would anyone buy the gasoline version. The hybrid is the same price has the same goodies uses less gas and costs less to insure. We are in TX so our insurance rates are higher than many areas due to the high number of uninsured drivers. And our personal cars we drive very little as in 10K between the two last year. We are not the norm here as most here will drive 30K a year or more(per vehicle).

 

Allot going on above but I'll say that my insurance rate almost doubled from the 2017 I traded in. I have Erie Insurance. My contact was shocked as well. His feeling was that the car was so new they couldn't spec it and it was likely once they got more details on that SUV it would stabilize. I paid a few months upcharge but made it clear closer to May I'll need to shop around if that rate didn't significantly drop for my next renewal. I pay my auto insurance 1 year at a time.

 

All the Pricing depends where you live

 

Our insurance broker said insurance rates in Colorado (home and auto) went up anywhere between 25-35% this year.

 

Speaking of insurance, one interesting thing of note north of the border, is the EV insurance have gone up significantly the last year, following a few incidents where minor damage to EV's cause damage to the battery, and the battery replacement cost is higher than the MSRP of the car. There's been 2 Ioniq 5's which ran over something on the highway, caused what visually looks like very minor damage to the underneath of the car, but upon examination by dealership they identified battery damage which requires whole battery replacement, and the repair cost is over CAD$50k.

Because of this, both of these vehicles are total losses for insurance companies, and insurance companies are quickly ramping up the premium for EVs. I can foresee unless the industry fixes this quickly, this will impact the resale value of EV's too

 

Speaking of insurance, one interesting thing of note north of the border, is the EV insurance have gone up significantly the last year, following a few incidents where minor damage to EV's cause damage to the battery, and the battery replacement cost is higher than the MSRP of the car. There's been 2 Ioniq 5's which ran over something on the highway, caused what visually looks like very minor damage to the underneath of the car, but upon examination by dealership they identified battery damage which requires whole battery replacement, and the repair cost is over CAD$50k.

Because of this, both of these vehicles are total losses for insurance companies, and insurance companies are quickly ramping up the premium for EVs. I can foresee unless the industry fixes this quickly, this will impact the resale value of EV's too

I agree. It would be fool hearted to purchase a used EV at this time out of warranty.

 

I think HEV and PHEV's are better because the batteries are smaller, plus you are not depleting the battery nearly as much (ICE kicks in when battery level is low) so they tend to last longer.

My colleague's Camry Hybrid is over 12 years old and the battery still works. Fuel efficiency is not as good as year 1 or 2, but she told me she can still achieve 80% of the efficiency.

Not to mention, worse comes to worst, the battery replacement cost for HEV and PHEVs are MUCH lower. Essentially you can get to the battery under the trunk / rear seat. In an EV you have to remove the entire underbody of the car to get to the battery.

 

Not to mention, better reliability reviews - Wasn’t it Consumer Reports that ranked HEVs over ICE powertrains?

Consumer Reports: Hybrids Make Great Sense for Reliability and Fuel Economy-Minded Car Buyers

EVs less reliable than conventional cars: Consumer Reports

”Consumer Reports said hybrid vehicles are the most reliable when compared to electric vehicles, gas-powered vehicles and plug-in hybrids. Hybrid vehicles have 26 percent fewer problems than gas-powered cars, which Consumer Reports said is likely because hybrids have been on the market longer than EVs and are manufactured by companies that produce “reliable vehicles overall,” such as Toyota, Hyundai and Kia.”

Wow.

 

Yes I was surprised too. I thought hybrids having 2 drive components would need more maintenance. Turns out hybrids / plugin are most reliable, then ICE. EVs are least reliable for now cause it's so new

 

It does make sense if you think of the ICE and motor working together - The motor has more early torque, so can take strain off the ICE and of course, the ICE is used less often than in a conventional ICE-equipped car.

 

Just seen this