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2003 Kia Sorento Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Feb 26, 2020

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Average insurance rates for a 2003 Kia Sorento are $938 a year for full coverage insurance. Comprehensive costs around $150 each year, collision costs $178, and liability insurance costs $452. Buying a liability-only policy costs as little as $504 a year, with high-risk insurance costing around $2,010. Teen drivers receive the highest rates at $3,810 a year or more.

Annual premium for full coverage: $938

Rate estimates for 2003 Kia Sorento Insurance

Comprehensive $150
Collision $178
Liability $452

Rate data is compiled from all 50 U.S. states and averaged for all 2003 Kia Sorento models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range go from as low as $504 for the bare minimum liability coverage to a high rate of $2,010 for a driver that may need high-risk insurance.

Liability Only $504
Full Coverage $938
High Risk $2,010

View Chart as Image

2003 Kia Sorento insurance rates compared
Column chart showing 2003 Kia Sorento insurance prices range from $577 to $3,810 for full coverage

These differences illustrate why all drivers should compare rates for a specific zip code and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2003 Kia Sorento Insurance

Searching Companies

Trying to find lower insurance coverage rates for your Kia Sorento? Did you fall for a flashy sales pitch and buy overpriced insurance coverage? Believe me, there are many consumers feeling the pinch from expensive insurance coverage.

With consumers having so many insurance coverage companies to choose from, it can be hard to find the cheapest company.

It is always a good idea to compare prices on a regular basis because insurance rates are usually higher with each renewal. Despite the fact that you may have had the lowest price for Sorento coverage a few years ago you may be paying too much now. Starting now, block out anything you think you know about insurance coverage because I’m going to teach you the best way to save on insurance coverage.

Discounts on Kia Sorento insurance

Companies that sell car insurance don’t always list all their discounts in an easy-to-find place, so here is a list some of the best known as well as the least known auto insurance savings.

  • Early Signing – Some insurance companies reward drivers for buying a policy before your current expiration date. This can save 10% or more.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more for Sorento coverage than less cautious drivers.
  • Life Insurance Discount – Select insurance companies reward you with a break if you buy life insurance from them.
  • Auto/Home Discount – When you have multiple policies with one company you may save approximately 10% to 15%.
  • More Vehicles More Savings – Having multiple cars or trucks on the same auto insurance policy can get a discount on all vehicles.
  • Military Rewards – Being deployed with a military unit may qualify for rate reductions.
  • Accident Forgiveness – Certain companies permit an accident before your rates go up so long as you haven’t had any claims for a set time period.

It’s important to note that most of the big mark downs will not be given to the entire policy premium. Some only reduce specific coverage prices like comp or med pay. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way.

Insurance companies that may offer these benefits may include but are not limited to:

Double check with all companies you are considering which discounts they offer. Some discounts may not be available in your state.

Auto Insurance Prices Online

All the larger auto insurance companies quote coverage prices on the web. Getting online rates is fairly simple as you just type in the coverage amounts you desire into a form. When the form is submitted, their rating system makes automated requests for information on your driving record and credit history and generates pricing information. Quoting online makes it a lot easier to compare rates but having to visit several different sites and enter the same data into a form is not the best way to spend an afternoon. Unfortunately, it is important to perform this step if you are searching for a better rate.

Compare rates the easy way

The smarter way to find cheaper rates requires only one form to return rates from a lot of companies. This type of form saves time, eliminates repetitive work, and makes rate comparisons a lot less work. Once the form is submitted, it is rated with multiple companies and you can pick your choice of the quote results. If you find a better price it’s easy to complete the application and purchase coverage. The entire process only takes a few minutes and you will find out if you’re overpaying now.

To save time and compare pricing, click here and complete the simple form. To compare your current rates, we recommend that you enter the limits and deductibles identical to your current policy. This way, you will receive comparison quotes for similar coverage.

Tailor your coverage to you

When buying coverage for your vehicles, there is no best way to insure your cars. Everyone’s needs are different so your insurance should reflect that These are some specific questions might point out if you will benefit from professional help.

  • Are my tools covered if they get stolen from my vehicle?
  • How do I insure my teen driver?
  • Is my 2003 Kia Sorento covered for smoke damage?
  • When do I need to add a new car to my policy?
  • Am I covered if I crash into my own garage door?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Insurance coverages explained

Having a good grasp of a insurance policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types available from insurance companies.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from flooding, damage from getting keyed, theft and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto liability – Liability insurance provides protection from damages or injuries you inflict on a person or their property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers things such as loss of income, emergency aid and bail bonds. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2003 Kia Sorento.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like colliding with another moving vehicle, backing into a parked car and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like EMT expenses, rehabilitation expenses, dental work and hospital visits. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Keep this in mind

Discount 2003 Kia Sorento insurance can be purchased on the web and with local insurance agents, and you need to price shop both to have the best selection. Some companies do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.

As you shop your coverage around, don’t be tempted to sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed comprehensive coverage or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage for the lowest price, not the least amount of coverage.

You just learned many ideas to compare insurance prices online. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. You may even discover the most savings is with a company that doesn’t do a lot of advertising. These smaller insurers often have lower prices on specific markets as compared to the big name companies such as State Farm and Allstate.

Additional auto insurance information is located at the links below

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2003 Kia Sorento Insurance Rates by City
City Premium
New York City, NY $1,482
Los Angeles, CA $1,602
Philadelphia, PA $1,252
Jacksonville, FL $1,362
Phoenix, AZ $1,089
Chicago, IL $1,260
Houston, TX $1,472
Seattle, WA $915
Columbus, OH $787
Indianapolis, IN $796

Rates by Driver Age

2003 Kia Sorento Insurance Rates by Driver Age
Driver Age Premium
16 $3,810
20 $2,140
30 $950
40 $938
50 $862
60 $844

Full coverage, $500 deductibles

Rates by Deductible

2003 Kia Sorento Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,078
$250 $1,016
$500 $938
$1,000 $864

Full coverage, driver age 40

Rates by Liability Limit

Kia Sorento Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $938
50/100 $1,028
100/300 $1,141
250/500 $1,435
100 CSL $1,074
300 CSL $1,322
500 CSL $1,503

Full coverage, driver age 40

Rates for High Risk Drivers

2003 Kia Sorento Insurance Rates for High Risk Drivers
Age Premium
16 $5,350
20 $3,404
30 $2,022
40 $2,010
50 $1,922
60 $1,904

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $123

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $47
Multi-vehicle $50
Homeowner $17
5-yr Accident Free $55
5-yr Claim Free $58
Paid in Full/EFT $32
Advance Quote $40
Online Quote $62
Total Discounts $361
Rate after discounts $577

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2003 Kia Sorento Insurance Rates by State
State Premium
Alabama $850
Alaska $720
Arizona $778
Arkansas $938
California $1,068
Colorado $894
Connecticut $966
Delaware $1,062
Florida $1,174
Georgia $866
Hawaii $674
Idaho $636
Illinois $700
Indiana $704
Iowa $632
Kansas $892
Kentucky $1,280
Louisiana $1,388
Maine $578
Maryland $774
Massachusetts $750
Michigan $1,630
Minnesota $786
Mississippi $1,124
Missouri $830
Montana $1,006
Nebraska $740
Nevada $1,126
New Hampshire $676
New Jersey $1,050
New Mexico $830
New York $988
North Carolina $540
North Dakota $768
Ohio $650
Oklahoma $964
Oregon $860
Pennsylvania $894
Rhode Island $1,252
South Carolina $850
South Dakota $790
Tennessee $820
Texas $1,132
Utah $694
Vermont $642
Virginia $562
Washington $726
West Virginia $860
Wisconsin $650
Wyoming $838

Free Auto Insurance Comparison

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