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 auto insurance rates for a Kia Sorento are $1,382 annually for full coverage insurance. Comprehensive insurance costs an estimated $284, collision insurance costs $524, and liability coverage costs around $416. A policy with just liability insurance costs as low as $474 a year, and coverage for high-risk drivers costs $2,996 or more. Teen 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:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for different Sorento trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of insurance. More rural locations have fewer physical damage claims than larger metro areas. The price range example below illustrates the effect of geographic area on insurance prices.

The ranges above illustrate why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, rather than using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $795
• Using higher $1,000 deductibles will save approximately $184 each year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,382
• Choosing more expensive low deductibles for physical damage coverage costs an additional $356 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,996
• The price with full coverage for a teenage driver with full coverage can cost as much as $5,192 or more

View Chart as Image

Insurance prices for a Kia Sorento are also quite variable based on the trim level and model year, your risk profile, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles may only pay around $1,300 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay at least $5,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying $1,600 to $2,300 extra each year, depending on your age. High-risk driver insurance can be around 44% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $540 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $375 more per year. View Rates by Deductible or Liability Limit

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 $900 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,870 on average in Florida, New York, and Michigan.

View Chart as Image

How to Buy More Affordable Kia Sorento Insurance

Getting lower rates on auto insurance requires avoiding accidents and violations, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Take the time to compare rates at every other renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a summary of the concepts that were covered in the above illustrations.

• Drivers who have multiple accidents or major violations may pay on average $1,610 more annually for car insurance
• Teenagers are charged the highest prices, as much as $433 a month including comprehensive and collision insurance
• It is possible to save approximately $170 per year just by shopping early and online
• Increasing physical damage deductibles could save up to $550 each year
• It is possible to save approximately $170 per year just by shopping early and online

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.