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 auto insurance rates for a Kia Sorento are $1,382 annually including full coverage. Comprehensive costs approximately $284, collision costs $524, and liability is $416. Liability-only insurance costs around $474 a year, with high-risk driver insurance costing around $2,996. 16-year-old drivers cost the most to insure at $5,192 a year or more.

Average premium for full coverage: $1,382

Policy rates by type of insurance:

Price estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Sorento models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than congested cities.

The example below illustrates how where you live affects auto insurance prices.

The examples above highlight why everyone should compare rates quotes using their specific location and their own personal driving habits, instead of using rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $795
• Raising to $1,000 deductibles will save $184 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,382
• Buying pricier low deductibles will cost $1,738
• At-risk drivers with multiple tickets or accidents could pay around $2,996 or more
• Policy cost with full coverage for a teen driver for full coverage can cost $5,192

View Chart as Image

Auto insurance rates for a Kia Sorento also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $5,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,600 to $2,300 in extra premium every year, depending on your age. Kia Sorento insurance for high-risk drivers is expensive and can cost as much as 44% to 129% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $540 every year, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $375 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Kia Sorento insurance prices. A middle-age driver might find rates as low as $1,060 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,970 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates and see which company has the best rate. Every auto insurance company utilizes a different rate formula, and quoted rates will be varied between companies.

How to Buy Cheaper Kia Sorento Insurance

Finding cheaper rates on car insurance consists of being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Take the time to comparison shop every time your policy renews by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The items below are a condensed summary of the information touched on in the above illustrations.

• You may be able to save around $170 per year simply by quoting online well ahead of the renewal date
• Teen drivers have the highest car insurance rates, with premiums being up to $433 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save up to $550 each year
• Higher risk drivers with multiple at-fault accidents may have to pay on average $1,610 more per year to insure their Sorento
• Policyholders who purchase more liability coverage will pay around $460 per year to raise from a 30/60 limit to higher 250/500 limits

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.