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.

Average auto insurance rates for a Kia Sorento are $1,382 annually including full coverage. Comprehensive insurance costs on average $284 each year, collision costs $524, and liability coverage is estimated at $416. A policy with just liability insurance costs approximately $474 a year, with coverage for high-risk drivers costing $2,996 or more. Teen drivers receive the highest rates at $5,192 a year or more.

Average premium for full coverage: $1,382

Rate estimates by individual coverage type:

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Sorento models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than larger metro areas.

The graphic below illustrates how where you live affects car insurance rates.

These examples highlight why all drivers should get quotes based on a specific location and their own personal driving habits, rather than using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $795
• Choosing higher $1,000 deductibles can save around $184 every year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,382
• Choosing low deductibles for comp and collision coverage costs an additional $356 each year
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,996 or more
• The cost with full coverage for a teenage driver may cost $5,192 each year

View Chart as Image

Insurance rates for a Kia Sorento can also vary considerably based on the trim level of your Sorento, your driving characteristics, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,300 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,600 to $2,300 additional per year, depending on your age. Insurance for high-risk drivers ranges around 44% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $540 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $375 more each year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Kia Sorento insurance rates. A good driver about age 40 could pay as low as $1,060 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,970 on average in Michigan, New York, and Louisiana.

View Chart as Image

With so much variability in rates, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Each auto insurer uses a different rate calculation, and rates can be significantly different between companies.

How to Buy Cheap Kia Sorento Insurance

Saving money on auto insurance takes being safe and accident-free, having good credit, not filing small claims, and insuring your home and auto with the same company. Take the time to comparison shop at every other renewal by quoting rates from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

Below you'll find a brief summary of the concepts that were touched on in the above illustrations.

• Drivers that tend to have accidents or serious violations pay on average $1,610 more each year than a low-risk driver
• Youthful drivers pay higher rates, as much as $433 per month if they have full coverage
• You may be able to save as much as $170 per year simply by quoting online in advance
• Increasing deductibles could save up to $550 each year
• You may be able to save as much as $170 per year simply by quoting online in advance

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.