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 insurance rates for a Kia Sorento are $1,382 a year for full coverage. Comprehensive costs an estimated $284, collision costs $524, and liability coverage is $416. A policy with just liability insurance costs around $474 a year, with coverage for high-risk drivers costing around $2,996. Teens receive the highest rates at $5,192 a year or more.

Average premium for full coverage: $1,382

Rate estimates broken down by individual coverage type:

Price estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for different Sorento trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. More rural locations tend to have a lower frequency of accident claims than cities with more traffic congestion.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

These examples show why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, rather than using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $795
• Raising to $1,000 deductibles will save approximately $184 a year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,382
• Selecting more expensive low deductibles will increase the cost to $1,738
• Unlucky drivers with serious driving violations could pay up to $2,996 or more
• The cost for full coverage for a teenage driver with full coverage can cost as much as $5,192

View Chart as Image

Insurance rates for a Kia Sorento can also vary considerably based on your driver profile, the trim level of your Sorento, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles may only pay around $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay at least $5,100 a year. View Rates by Age

Where you live also has a big influence on Kia Sorento insurance rates. A middle-age driver might find rates as low as $910 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,970 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 $540 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $375 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying $1,600 to $2,300 additional per year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 129% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to know which company is cheapest is to compare rates and see how they stack up. Every auto insurance company calculates rates differently, and rates can be significantly different from one company to the next.

How to Find Cheaper Kia Sorento Insurance

Saving money on auto insurance consists of having a good driving record, having a good credit history, eliminating unneeded coverage, and maximizing policy discounts. Set aside time to compare rates at every other renewal by obtaining price quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.

The next list is a condensed summary of the concepts that were covered above.

• Drivers with multiple at-fault accidents pay an average of $1,610 more annually to buy Kia Sorento insurance
• Drivers age 20 and younger are expensive to insure, costing as high as $433 per month including comprehensive and collision insurance
• Drivers can save approximately $170 per year simply by shopping early and online
• Increasing deductibles can save around $550 each year
• Drivers can save approximately $170 per year simply by shopping early and online

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.