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.

The average insurance rates for a Kia Sorento are $1,386 a year for full coverage. Comprehensive insurance costs approximately $294 a year, collision costs $536, and liability insurance is $398. A liability-only policy costs around $460 a year, with high-risk insurance costing $3,002 or more. Teens cost the most to insure at $5,176 a year or more.

Average premium for full coverage: $1,386

Policy rates by type of insurance:

Rate estimates include $500 deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and Sorento trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural locations are shown to have lower incidents of accident claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects auto insurance prices.

The examples above show why it is important to compare rates quotes using their specific location, rather than relying on averaged prices.

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

More Rate Information

The chart below shows estimated Kia Sorento insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $798
• Raising to $1,000 deductibles will save $1,198 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,386
• Selecting low $100 deductibles will cost an additional $368 a year
• Higher-risk drivers with serious driving violations could pay around $3,002 or more
• Policy cost that insures a teen driver can cost $5,176

View Chart as Image

Car insurance rates for a Kia Sorento also range considerably based on the trim level of your Sorento, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,600 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 129% more than the average policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged in the ballpark of $5,100 a year. View Rates by Age

Your home state also has a big influence on Kia Sorento insurance rates. A middle-age driver might find rates as low as $920 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,980 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $560 each year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes from as many companies as possible. Every auto insurance company calculates rates differently, so rate quotes will be varied.

How to Find the Best Kia Sorento Insurance

Finding cheaper rates on Kia Sorento insurance consists of not taking risks behind the wheel, having a positive credit history, avoid buying unnecessary coverage, and avoiding coverage lapses. Compare rates at every policy renewal by requesting quotes from direct carriers, and also from insurance agencies where you live.

The following is a brief recap of the data raised in the charts and tables above.

• Drivers who purchase higher liability limits will pay approximately $440 each year to raise from a 30/60 limit to the 250/500 level
• Drivers can save around $170 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $550 each year
• Teens pay the highest auto insurance rates, costing up to $431 each month if full coverage is purchased

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.