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Kia Sportage 2 insurance cost UK 2026

A Kia Sportage 2 costs about £700 a year to insure in 2026 and sits in insurance groups 15–19 — the cheapest mainstream trim of the UK’s best-selling family SUV to cover. Parkers lists the 1.6 CRDi diesel at group 15, the 1.6 T-GDi petrol at group 17 and the 48V mild hybrid at group 19, so the 2 undercuts the GT-Line (up to group 28) and GT-Line S (up to group 29) by a comfortable margin. Below: premiums by driver age, how the 2 compares with every other Sportage trim, and the cheapest way to run one. For the whole range, see the full Kia Sportage insurance guide.

See the cost table → Full Sportage guide
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Group 15–19
Sportage 2 insurance groups (Parkers)
~£700/yr
Typical comprehensive premium, 30–49 driver
vs £795
All-Sportage average — the 2 is ~£95 cheaper
Direct Answer

How much does Kia Sportage 2 insurance cost in 2026?

The typical Kia Sportage 2 comprehensive premium is around £700 a year in 2026 for a 30–49-year-old driver — below the model-wide Sportage average of about £795 reported by Finder UK, though above the roughly £600 a year the ABI’s Motor Insurance Premium Tracker says the average UK driver pays. The reason the 2 is the cheap seat of the range is structural: it is the entry point of the mainstream 2022–2025 fifth-generation Sportage line-up, its three engines all sit in a tight group 15–19 band on the 1–50 scale (1.6 CRDi diesel group 15, 1.6 T-GDi petrol group 17, 1.6 T-GDi 157 48V mild hybrid group 19, per Parkers), and it skips the expensive full-hybrid and plug-in hybrid powertrains entirely — the ones that push GT-Line and GT-Line S cars up to groups 28–29.

As always, who is driving matters more than the trim badge: the same Sportage 2 can cost a newly passed 17-year-old about £2,350 and an over-50s driver under £600. Note that any Sportage first registered after 1 August 2024 is rated under Thatcham’s newer Vehicle Risk Rating system rather than the classic 1–50 groups, and that the 2 trim was dropped from the 2025–26 facelift line-up — making it a used-market buy, which itself helps the premium because insured values are lower. Full range context, hybrid and PHEV figures and cheapest-insurer picks are in the complete Kia Sportage insurance guide.

Kia Sportage 2 insurance cost by driver age — UK 2026
Annual comprehensive premium for the group 15–19 Sportage 2 trim — a 17–19 driver pays over 4× a 50–64 driver.
17–19£2,350 20–24£1,120 25–29£800 30–49£700 50–64£580 65+£630

Source: Parkers / Thatcham insurance group data for the Sportage 2 (groups 15–19), ABI Motor Insurance Premium Tracker (~£600 UK average), Finder UK Sportage data (~£795/yr model average) and a Car Insurance Expert composite quote sample for comprehensive Sportage 2 cover across major UK insurers.

Driver profileKia Sportage 2, typical annual comprehensive (groups 15–19)vs ~£600 UK average
17–19, newly passed£2,350+£1,750
20–24£1,120+£520
25–29£800+£200
30–49£700+£100
50–64£580–£20
65+£630+£30

Sources: Parkers / Thatcham insurance group data for the 2022-on Sportage 2 (1.6 CRDi group 15, 1.6 T-GDi group 17, 48V mild hybrid group 19), ABI Motor Insurance Premium Tracker (~£600 UK average premium paid), Confused.com / WTW Car Insurance Price Index, Finder UK and NimbleFins Kia Sportage data (model average ~£795/yr), and a Car Insurance Expert composite quote sample for comprehensive Sportage 2 cover across major UK insurers. Figures are indicative annual premiums; individual quotes vary by postcode, mileage, claims history and excess.

Trim Comparison

Why the Sportage 2 is the cheapest trim to insure

Three things keep the 2 at the bottom of the Sportage insurance ladder. First, list price and insured value: the 2 was the ~£28,000–£30,000 entry point of the 2022–2025 range, while a GT-Line S PHEV pushed past £40,000 — and group ratings track repair-and-replacement value closely. Second, powertrain: the 2 was offered only with the 1.6 CRDi diesel, the 1.6 T-GDi petrol and the 48V mild hybrid — never the full hybrid or plug-in hybrid, whose high-voltage batteries and drivetrains are expensive to repair and lift higher trims into groups 22–29. Third, spec restraint: 17-inch alloys, cloth seats and simpler bodywork are all cheaper to put right after a bump than the GT-Line’s larger wheels and sportier styling.

Trim (2022–2025 Sportage)Powertrains offeredInsurance groupsTypical premium, 30–49 driver
21.6 CRDi · 1.6 T-GDi · 48V mild hybrid15–19~£700
3Adds full hybrid (HEV)16–26£730–£790
GT-LinePetrol, MHEV, HEV, PHEV16–28£750–£810
GT-Line SHEV and PHEV heavy20–29£790–£850

Groups: Parkers insurance group listings for the Kia Sportage (2022 onwards). Premiums: indicative Car Insurance Expert composite ranges for a 30–49-year-old on comprehensive cover; the higher figure in each range reflects the electrified variants.

The practical takeaway: if you are choosing between used Sportage trims and insurance cost matters, the 2 with the standard 1.6 T-GDi (group 17) or CRDi diesel (group 15) is the sweet spot. The 48V mild hybrid’s two-group penalty is worth only a few tens of pounds a year, so its fuel savings usually win over a typical annual mileage.

Save Money

Cheaper alternatives — and how to cut the cost of a Sportage 2

If ~£700 a year is more than you want to pay, there are two routes. Stay in the Sportage family but go older: the previous-generation (2016–2021) Sportage 1.6 GDi in entry trim sits as low as group 11–14, and its lower value trims the premium further. Or shop the rivals: the Hyundai Tucson averages about £760 a year and the Nissan Qashqai sits in the same £700–£800 band, so neither is dramatically cheaper like-for-like — but stepping down half a size to a small crossover such as a Ford Puma or Kia Stonic, which start in the low-to-mid teens groups, can knock £100+ off a typical quote.

To cut the premium on the Sportage 2 you actually want:

  • Compare 3–4 weeks before renewal — quotes are consistently cheapest around 21–26 days out, and loyalty rarely pays.
  • Be accurate on mileage — over-declaring by thousands of miles inflates the price for nothing.
  • Raise the voluntary excess to a level you could genuinely afford after a claim.
  • Pay annually — monthly instalments typically add 10–20% APR-equivalent interest.
  • Under 25? Price a telematics policy — black-box cover routinely saves young drivers several hundred pounds on a group 15–19 SUV.
  • Park off-street and skip modifications — a driveway helps; even cosmetic mods push quotes up.
FAQs

Kia Sportage 2 insurance FAQs

The Kia Sportage 2 sits in insurance groups 15 to 19 on the 1–50 scale, according to Parkers group data for the 2022-on model: group 15 for the 1.6 CRDi diesel, group 17 for the 1.6 T-GDi petrol and group 19 for the 1.6 T-GDi 157 48V mild hybrid. That is the lowest band of any mainstream Sportage trim. Cars first registered after 1 August 2024 are rated under Thatcham’s newer Vehicle Risk Rating system instead.
A typical 30–49-year-old driver pays about £700 a year for comprehensive cover on a Kia Sportage 2 in 2026. Drivers aged 50–64 pay closer to £580, while a newly passed 17–19-year-old can pay around £2,350. That compares with a Sportage model-wide average of roughly £795 (Finder UK) and a UK all-cars average of about £600 on the ABI’s premium tracker.
Yes. The 2 tops out at group 19, whereas GT-Line variants reach group 28 and GT-Line S group 29 once the hybrid and plug-in hybrid powertrains are included. For a mid-range driver that difference is typically worth £50–£150 a year. The gap comes from the higher list price, bigger alloys, sportier bodywork and the electrified drivetrains offered higher up the range.
Expect around £2,350 a year at 17–19 and about £1,120 at 20–24 for standard comprehensive cover. A telematics (black-box) policy usually undercuts that for under-25s, often by several hundred pounds. The Sportage 2’s group 15–19 rating makes it one of the more realistic family SUVs for a young driver, but a small hatchback in groups 1–10 would still be far cheaper.
Slightly. The 1.6 T-GDi 157 48V mild hybrid is group 19 versus group 17 for the standard T-GDi, reflecting its higher price and extra electrical hardware. In cash terms the two-group gap is usually worth only £20–£40 a year for an experienced driver, so choose between them on fuel economy and purchase price rather than insurance.
The 1.6 CRDi diesel, at group 15 — the lowest group of any 2022-on Sportage variant. Among the petrols, the standard 1.6 T-GDi (group 17) beats the 48V mild hybrid (group 19). If you want the absolute cheapest Sportage of any generation to insure, the previous-generation 1.6 GDi petrol sits as low as group 11.
No. The 2025–26 facelift simplified the UK line-up to Pure, GT-Line and GT-Line S, so the 2 trim is now a used or nearly-new buy from the 2022–2025 model years. That is good news for insurance: used 2s are worth less than new facelift cars, and their group 15–19 rating carries on applying under the old 1–50 scale.
Compare quotes three to four weeks before renewal, be accurate about annual mileage, raise the voluntary excess to a level you could genuinely afford, park on a driveway or in a garage, and pay annually rather than monthly to avoid interest. Under-25s should price a black-box policy, and adding a named experienced driver can trim a young driver’s premium. Avoid modifications — even cosmetic ones raise the quote.

Our sources for this guide

  • Parkers — Kia Sportage (2022 onwards) insurance groups — trim-by-trim Thatcham group listings: Sportage 2 at groups 15–19. View listings
  • ABI Motor Insurance Premium Tracker — UK average comprehensive premium paid, ~£600 a year
  • Confused.com / WTW Car Insurance Price Index — quoted-premium trend data. View index
  • Finder UK — Kia Sportage average comprehensive premium ~£795/yr and group spread by variant. Source
  • NimbleFins — Kia Sportage running and insurance cost data
  • Thatcham Research — insurance group ratings (1–50) and the post-Aug-2024 Vehicle Risk Rating system

Reviewed by the Car Insurance Expert editorial team

Reviewed by the Car Insurance Expert editorial team (Motor Insurance Research Editor). Methodology: insurance groups are taken from the published Parkers / Thatcham listings for the Sportage 2 trim; national-average figures come from the ABI and Confused.com / WTW indices; Sportage-2-specific premiums are an indicative composite quote sample across major UK insurers and are clearly labelled as such — we do not sell insurance or hold primary quote data. Premium figures and insurance groups are refreshed quarterly; regulatory and group-rating information is checked annually.

Spotted an error or want to suggest content? Email editorial@carinsuranceexpert.co.uk.

Last updated: 28 July 2026

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