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.

Estimated insurance rates for a Kia Sorento are $1,386 a year including full coverage. Comprehensive costs on average $294 a year, collision insurance costs $536, and liability is $398. A liability-only policy costs around $460 a year, and high-risk insurance costs around $3,002. Teenage drivers pay the most at up to $5,176 a year.

Average premium for full coverage: $1,386

Premium estimates by type of coverage:

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and Sorento trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates how geographic area affects car insurance rates.

These rate differences highlight why it is important to compare rates quotes based on a specific location, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below breaks down average Kia Sorento insurance rates for different risk profiles and scenarios.

• The best discount rate is $798
• Raising to $1,000 deductibles will save around $1,198 every year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,386
• Using low $100 deductibles bumps up the cost to $1,754
• Drivers who are prone to accidents and violations could pay upwards of $3,002
• An auto insurance policy that insures a 16-year-old driver may cost $5,176

View Chart as Image

Auto insurance prices for a Kia Sorento also have a wide range based on the trim level of your Sorento, your driving record and age, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are likely paying at a minimum $1,600 to $2,300 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 129% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay upwards of $5,100 a year. View Rates by Age

Where you choose to live also has a big influence on Kia Sorento insurance prices. A middle-age driver might find prices as low as $1,070 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,980 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $560 annually, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $358 extra every year. View Rates by Deductible or Liability Limit

How to Find Affordable Kia Sorento Insurance

Finding better rates on insurance for a Kia Sorento consists of avoiding accidents and claims, maintaining a good credit score, refrain from filing small claims, and deciding if full coverage is necessary. Compare prices at every policy renewal by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The points below are a brief review of the data presented in the illustrations above.

• Insureds who require increased liability limits will pay an extra $440 per year to raise from 30/60 bodily injury limits to the 250/500 level
• You may be able to save as much as $170 per year just by quoting early and online
• Increasing policy deductibles can save approximately $550 each year
• Drivers under the age of 20 are charged the highest prices, with the cost nearing $431 per 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.