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 $1,386 a year with full coverage. Comprehensive costs an estimated $294 each year, collision costs $536, and liability coverage costs around $398. Buying just liability costs as low as $460 a year, with insurance for high-risk drivers costing around $3,002. 16-year-old drivers pay the highest rates at $5,176 a year or more.

Average premium for full coverage: $1,386

Price estimates broken down by individual coverage:

Full coverage includes $500 deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and Sorento models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance rates. More rural locations have a lower frequency of collision claims than congested cities.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

The ranges above demonstrate why all drivers should compare prices for a targeted area and risk profile, rather than using rate averages.

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

Detailed Rate Analysis

The chart below details estimated Kia Sorento insurance rates for other coverage scenarios.

• The best full coverage rate is $798
• Using higher $1,000 deductibles will save approximately $188 annually
• The average rate for the average middle-age driver who has $500 deductibles is $1,386
• Buying low deductibles for physical damage coverage will increase the cost to $1,754
• Higher-risk drivers with multiple tickets or accidents could pay up to $3,002 or more
• The price for full coverage for a teenage driver can cost as much as $5,176 or more

View Chart as Image

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

More mature drivers with no violations or accidents and high deductibles may only pay around $1,300 a year for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay at least $5,100 a year. View Rates by Age

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 $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 could cut prices by as much as $560 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $358 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out $1,600 to $2,300 additional each year, depending on your age. Insurance for high-risk drivers can be around 44% to 129% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the best way to find out which car insurance is cheapest is to do a rate comparison and see how they stack up. Each insurance company utilizes a different rate formula, and prices may be quite different from one company to the next.

How to Find More Affordable Kia Sorento Insurance

Getting lower rates on auto insurance requires not taking risks behind the wheel, having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates at every other renewal by getting quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following is a summary of the concepts that were covered above.

• Drivers who have multiple accidents or major violations may pay on average $1,620 more annually for Sorento insurance
• Teens are expensive to insure, costing up to $431 a month including comprehensive and collision insurance
• You may be able to save approximately $170 per year simply by quoting online in advance
• Increasing physical damage deductibles can save around $550 each year
• You may be able to save approximately $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.