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 prices for a Kia Sorento are $1,382 every 12 months for full coverage. Comprehensive insurance costs an estimated $284 each year, collision insurance costs $524, and liability costs $416. A liability-only policy costs as little as $474 a year, and high-risk insurance costs $2,996 or more. Teenage drivers pay the most at up to $5,192 a year.

Average premium for full coverage: $1,382

Premium estimates broken down by type of coverage:

Rate estimates include $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and Sorento models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than densely populated cities. The graphic below illustrates how your location can change insurance prices.

These rate differences show why all drivers should compare rates for a targeted area and their own driving history, instead of using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $795
• Drivers who choose higher $1,000 deductibles will pay approximately $184 a year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,382
• Using low deductibles for comprehensive and collision insurance costs an extra $356 every year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,996
• An auto insurance policy to insure a teen driver can cost as much as $5,192 a year

View Chart as Image

Auto insurance prices for a Kia Sorento also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.

Using high physical damage deductibles could save up to $540 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $375 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay at least $5,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying $1,600 to $2,300 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 129% more than a normal policy. View High Risk Driver Rates

Where you choose to live 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 be forced to pay as much as $1,970 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Shop for the Best Kia Sorento Insurance

Finding better rates on car insurance not only requires being a good driver, but also having a good credit score, not filing small claims, and consideration of higher deductibles. Invest the time to shop around every couple of years by obtaining price quotes from direct carriers, and also from several local insurance agents.

The following list is a brief recap of the material that was illustrated above.

• Policyholders who want an increased level of liability coverage will pay an extra $460 each year to go from 30/60 bodily injury limits to a 250/500 level
• Drivers age 16 to 20 are the costliest to insure, as much as $433 per month if comprehensive and collision insurance is included
• Higher risk drivers who tend to receive serious violations pay on average $1,610 more annually than a safer driver
• Increasing policy deductibles could save as much as $550 each year

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.