Kia Sorento Insurance Rates

More often than not, trying to find reliable car insurance quotes can seem like a headache. That’s why you should know that the average Kia Sorento insurance costs drivers $1,414 per year for full coverage, which boils down to a $118 monthly insurance bill.

While there are a variety of factors that come into play, the model year of the vehicle often plays a big part. For example, the insurance cost of a Kia Sorento 2011 model is cheaper than the cost of a Kia Sorento 2013 model.

We have outlined all the information you need to know in this helpful guide. Feel encouraged to read through the details of this comprehensive guide and enter your five-digit ZIP code in the box above to start comparing Kia Sorento insurance rates from multiple providers.

U.S. average insurance rates for a Kia Sorento are $1,386 a year for full coverage. Comprehensive costs an estimated $294 each year, collision costs $536, and liability insurance costs around $398. Liability-only coverage costs as low as $460 a year, with high-risk coverage costing around $3,002. Teenage drivers pay the highest rates at $5,176 a year or more.

Average premium for full coverage: $1,386

Price estimates broken down by individual coverage:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and Sorento models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on insurance rates. More rural locations have lower incidents of accident claims than densely populated cities.

The graphic below illustrates how your location can change insurance prices.

The ranges above show why all drivers should compare prices for a targeted area, rather than relying on average rates.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below shows estimated Kia Sorento insurance rates for other coverage scenarios.

• The best discount rate is $798
• Using higher $1,000 deductibles will save approximately $188 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,386
• Using low deductibles for physical damage coverage bumps up the cost to $1,754
• Drivers who are prone to accidents and violations could pay up to $3,002 or more
• The price that insures a teen driver can cost as much as $5,176 or more

View Chart as Image

Auto insurance prices for a Kia Sorento are also quite variable based on the trim level and model year, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,600 to $2,300 in extra premium each year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 129% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay at least $5,100 a year. View Rates by Age

The state you live in has a huge impact on Kia Sorento insurance rates. A driver around age 40 might see prices as low as $920 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,980 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $560 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $358 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know which car insurance is cheapest is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate prices, and quoted prices may be quite different.

How to Find the Best Cheap Kia Sorento Insurance

Getting lower rates on Kia Sorento insurance requires avoiding accidents and violations, maintaining a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Compare prices at every policy renewal by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

The list below is a quick review of the data illustrated above.

• Drivers who want higher liability limits will pay an extra $440 each year to increase from a low limit to the 250/500 level
• Drivers can save approximately $170 per year simply by quoting online in advance
• Increasing physical damage deductibles can save approximately $550 each year
• Teenagers are the costliest to insure, with premiums as much as $431 a month if the policy includes full coverage

To this point, we’ve gone over a lot of details as it pertains to Kia Sorento insurance rates but a couple of the most important factors to keep in mind are the model year of your SUV and where you live. For example, Kia car insurance in Australia looks a lot different than what a driver in the United States might pay.

In order to eliminate any other individualized questions such as, “How much does a 2016 Kia Sorento cost?” use our free online tool below. It will provide you with tangible insurance options from multiple providers.

What are the safety ratings of the Kia Sorento?

The Kia Sorento safety ratings are important to know because positive scores translate to favorable insurance rates. 

Take a look at the Kia Sorento’s safety ratings as determined by the Insurance Insitute for Highway Safety (IIHS).

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

In case you are unaware, “Good” is the highest rating possible. Therefore, the Kia Sorento earned the best marks an SUV possibly can, which is good news if you like cheap insurance rates.

Kia Sorento Compared Against Other Vehicles in the Same Class

Classified as a midsize four-door SUV, the Kia Sorento has plenty of competition for its vehicle segment. Take a look at the following comparable models:

• Chevrolet Traverse
• Ford Explorer
• Hyundai Santa Fe

So why is it important to know the Kia Sorento’s competition?

Insurance companies will look at the loss percentages of the Kia Sorento as it compares to other midsize SUVs. And the positive news is that the Kia Sorento reflects a loss percentage that is above average for this vehicle class.

We have uncovered a lot of information about the Kia Sorento, so is there anything we might’ve missed? If not, start comparing Kia Sorento car insurance rates from multiple companies by using our free online quote tool.