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 with full coverage. Comprehensive insurance costs approximately $284 a year, collision insurance costs $524, and liability is estimated at $416. Buying just liability costs approximately $474 a year, and insurance 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 by individual coverage:

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Sorento trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on the price of insurance. Rural locations have lower incidents of collision claims than congested cities. The diagram below illustrates how geographic area affects auto insurance prices.

The ranges above demonstrate why it is important to get quotes using their specific location, instead of making a decision based on rate averages.

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

More Rate Details

The chart below details average Kia Sorento insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $795
• Choosing higher $1,000 deductibles can save $1,198 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,382
• Buying low $100 deductibles for comp and collision coverage will cost an additional $356 annually
• Higher-risk drivers with multiple tickets or accidents could pay around $2,996
• The price that insures a 16-year-old driver can cost $5,192 each year

View Chart as Image

Insurance prices for a Kia Sorento are also quite variable based on the trim level of your Sorento, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,600 to $2,300 additional each year, depending on your age. A high-risk auto insurance policy ranges from 44% to 129% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age

The state you live in plays a big part in determining prices for Kia Sorento insurance prices. A good driver about age 40 could pay as low as $1,000 a year in states like Utah, Ohio, and New Hampshire, or at least $1,870 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $540 annually, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $375 more each year. View Rates by Deductible or Liability Limit

How to Find Cheaper Kia Sorento Insurance

Getting lower rates on insurance for a Kia Sorento takes having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Comparison shop at least once a year by getting quotes from direct companies, and also from local insurance agencies.

The following items are a condensed summary of the primary concepts that were presented in the illustrations above.

• You may be able to save around $170 per year just by quoting early and online
• Drivers considered higher risk with multiple at-fault accidents may have to pay on average $1,610 more per year than a driver with a clean driving record
• Increasing physical damage deductibles can save approximately $550 each year
• 16 to 18-year-old drivers are the costliest to insure, costing up to $433 a month if comprehensive and collision insurance is included

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.