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.

Estimated insurance rates for a Kia Sorento are $1,386 a year for full coverage. Comprehensive costs approximately $294 a year, collision insurance costs $536, and liability coverage costs around $398. A liability-only policy costs as low as $460 a year, and high-risk insurance costs around $3,002. Teen drivers pay the most at up to $5,176 a year.

Average premium for full coverage: $1,386

Premium estimates by type of coverage:

Rates are based on $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all states and Sorento trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than larger metro areas. The diagram below illustrates the difference location can make on auto insurance prices.

These rate differences show why it is important to compare prices using their specific location, rather than using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $798
• Using higher $1,000 deductibles will save $1,198 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,386
• Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,754
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,002
• An auto insurance policy that insures a teenage driver can cost $5,176 or more

View Chart as Image

Auto insurance prices for a Kia Sorento also have a wide range based on the trim level of your Sorento, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,600 to $2,300 in extra premium annually, depending on your age. A high-risk auto insurance policy can be around 44% to 129% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $5,100 a year. View Rates by Age

Where you choose to live has a huge impact on Kia Sorento insurance rates. A driver around age 40 might see prices as low as $920 a year in states like Iowa, Maine, and Idaho, or as much as $1,980 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could cut prices by as much as $560 a year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $358 extra every year. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Kia Sorento Insurance

Finding better rates on auto insurance requires avoiding accidents and claims, maintaining a good credit score, not filing small claims, and possibly higher deductibles. Shop around every couple of years by obtaining price quotes from direct carriers, and also from insurance agencies where you live.

The points below are a quick review of the material that was touched on in this article.

• Consumers who purchase increased liability limits will pay about $440 each year to increase from 30/60 bodily injury limits to the 250/500 level
• Drivers under the age of 20 have the highest car insurance prices, as much as $431 per month if the policy includes full coverage
• Drivers with a DUI or reckless driving violation could be forced to pay on average $1,620 more per year to insure a Kia Sorento
• Increasing policy deductibles can save approximately $550 each year

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.