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 $1,386 annually with full coverage. Comprehensive costs around $294 each year, collision insurance costs $536, and liability costs $398. Buying just liability costs as little as $460 a year, and insurance for high-risk drivers costs around $3,002. Teen drivers cost the most to insure at up to $5,176 a year.

Average premium for full coverage: $1,386

Policy rates for type of insurance:

These estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Sorento models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on insurance rates. Areas with sparse population are shown to have fewer collision claims than larger metro areas. The graphic below illustrates how location impacts auto insurance rates.

The examples above demonstrate why all drivers should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.

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

Rate Comparisons

The chart below details average Kia Sorento insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $798
• Drivers who choose higher $1,000 deductibles will pay about $188 annually
• The estimated rate for a good driver age 40 using $500 deductibles is $1,386
• Choosing low deductibles for comprehensive and collision insurance will cost $1,754
• Drivers with multiple violations and an at-fault accident could pay at least $3,002
• Policy cost with full coverage for a 16-year-old driver can be $5,176 a year

View Chart as Image

Insurance rates for a Kia Sorento also range considerably based on the model year and trim level, your driving record, and deductibles and policy limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay as much as $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 may be forking out at least $1,600 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers can cost from 44% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $560 annually, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Kia Sorento insurance prices. A 40-year-old driver could pay as low as $1,000 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,870 on average in Florida, Michigan, and New York.

View Chart as Image

How to Buy Cheap Kia Sorento Insurance

Finding cheaper rates on insurance for a Kia Sorento not only requires having a decent driving record, but also having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Spend time shopping around at least once a year by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following items are a brief summary of the primary concepts that were touched on above.

• You may be able to save up to $170 per year just by quoting online in advance
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,620 more every year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles could save up to $550 each year
• 16 to 18-year-old drivers pay higher rates, as much as $431 each month including comprehensive and collision insurance

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.