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 $1,382 a year for full coverage. Comprehensive insurance costs an estimated $284 each year, collision insurance costs $524, and liability costs $416. A policy with just liability insurance costs as little as $474 a year, and coverage for high-risk drivers costs $2,996 or more. 16-year-old drivers pay the highest rates at up to $5,192 a year.

Average premium for full coverage: $1,382

Price estimates broken down by individual coverage:

Rates are based on $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and Sorento models.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on insurance rates. More rural locations have lower incidents of accident claims than congested cities. The graphic below illustrates how where you live affects insurance prices.

The ranges above show why all drivers should compare rates for a targeted area, instead of making a decision based on rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $795
• Drivers who choose higher $1,000 deductibles will pay approximately $184 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,382
• Buying low deductibles for comprehensive and collision insurance will cost an additional $356 annually
• Drivers with multiple tickets or accidents could pay up to $2,996
• The price that insures a 16-year-old driver can cost as much as $5,192 a year

View Chart as Image

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 extra each year, depending on your age. Insurance for high-risk drivers can cost from 44% to 129% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay at least $5,100 a year. View Rates by Age

The state you live in makes a big difference in Kia Sorento insurance prices. A 40-year-old driver could pay as low as $910 a year in states like Iowa, Maine, and Idaho, or at least $1,970 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $540 annually, 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 $375 more per year. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Kia Sorento Insurance

Getting lower rates on insurance for a Kia Sorento not only requires being a good driver, but also having above-average credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Comparison shop every year by requesting rates from direct carriers, and also from your local independent and exclusive agents.

The following list is a quick review of the coverage data touched on in the above illustrations.

• Drivers can save approximately $170 per year just by quoting online in advance
• Increasing physical damage deductibles can save approximately $550 each year
• Drivers age 16 to 20 are charged the highest prices, with premiums as much as $433 a month if full coverage is included
• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,610 more annually than a safer driver

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.