Fifth generation, award-winning design — and insurance premiums that stay reasonable.
Compare Sportage quotes →| Variant | Year | Est. monthly premium |
|---|---|---|
| Sportage 1.6 T-GDI AWD GT-Line | 2022–2026 | R1,500 — R1,950*estimate |
| Sportage 1.6 T-GDI FWD EX+ | 2022–2026 | R1,150 — R1,650*estimate |
| Sportage 2.0 EX CVT | 2022–2026 | R1,000 — R1,450*estimate |
| Sportage 2.0 EX MT | 2022–2026 | R860 — R1,250*estimate |
Estimates based on a Kia Sportage at trade value R555,000. Low-risk driver profile. Comprehensive cover.
| Insurer | Comprehensive | TPFT | Third Party |
|---|---|---|---|
|
Pineapple
Lowest
|
R941/mo*estimate | R471/mo*estimate | R188/mo*estimate |
| R1,224/mo*estimate | R612/mo*estimate | R245/mo*estimate | |
|
Momentum Insure
|
R1,458/mo*estimate | R729/mo*estimate | R292/mo*estimate |
| R1,580/mo*estimate | R790/mo*estimate | R316/mo*estimate | |
| R1,775/mo*estimate | R888/mo*estimate | R355/mo*estimate | |
| R1,943/mo*estimate | R972/mo*estimate | R389/mo*estimate | |
| R1,943/mo*estimate | R972/mo*estimate | R389/mo*estimate |
*estimate = modelled from real advert and quote data, scaled to this vehicle's value for a low-risk driver. Actual premiums depend on your age, address, claims history, and vehicle condition. TPFT and third party figures are approximate.
These are actual monthly premiums published by the insurers themselves, recorded from their own adverts and direct quotes. They are not modelled, calculated or estimated figures. Each one applies to the specific vehicle and driver listed.
| Insurer | Vehicle | Driver | Actual premium |
|---|---|---|---|
| OUTsurance | 2019 Sportage | Not stated | R929*actual advertised price |
| Prime Meridian | 2019 Sportage | Not stated | R1,650*actual advertised price |
*actual advertised price = a real premium the insurer published in its own advertising. *actual quoted price = a real premium an insurer gave a specific driver. Neither is an estimate. Your own premium will differ with your age, address, claims history and cover.
Kia's 5-year warranty is one of the best in SA, but turbocharged engines and DCT gearboxes can be costly once cover ends. An extended warranty protects you from unexpected repair bills after the factory warranty expires.
The fifth-generation Kia Sportage is one of the most striking-looking mid-size SUVs on SA roads and competes directly with the Hyundai Tucson (which shares its platform), Toyota RAV4, and Volkswagen Tiguan. Its bold design, long standard features list, and Kia's excellent 5-year warranty have positioned it as a premium Korean alternative in a segment dominated by Japanese and European brands.
The Sportage benefits from the same insurer pricing dynamics as the Hyundai Tucson — Korean platforms are well-understood, parts are competitive, and SA service centres are well-distributed. This translates to premiums that are meaningfully below equivalent European models at similar price points.
1.6 T-GDI AWD GT-Line — the performance flagship with AWD and the highest retail price (above R720,000). The turbocharged engine, AWD system, and GT-Line styling package lift premiums significantly. Expect the top end of the Sportage premium range.
1.6 T-GDI FWD EX+ — turbopetrol without AWD. The most popular premium Sportage choice. T-GDI loading is moderate without the AWD addition; well-priced by most SA insurers.
2.0 EX CVT — naturally aspirated with CVT. The simplest drivetrain in the range. Lower repair cost exposure than the turbopetrol variants produces more accessible premiums.
2.0 EX MT — manual entry-spec. The most affordable Sportage to insure. Lowest retail value and no complex gearbox loading make this the best choice for buyers focused on total running cost.
Given their shared platform, the Sportage and Tucson are typically priced within R30–R70/month of each other on comparable profiles. The Sportage occasionally runs marginally higher on top specs due to its slightly higher retail pricing, but the difference is negligible for most buyers. Choose between them on design and feature preferences, not insurance cost.
The Sportage runs R100–R200/month cheaper than a comparable Tiguan on comprehensive cover. VW's parts costs in SA are a consistent premium driver that the Sportage doesn't carry. Buyers in this segment who prioritise running costs should weigh this gap carefully.