Kia Sorento Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 30, 2024
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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 $1,382 a year for full coverage insurance. Comprehensive insurance costs approximately $284 each year, collision costs $524, and liability is $416. A policy with only liability insurance costs around $474 a year, with a high-risk policy costing $2,996 or more. Teens pay the most at $5,192 a year or more.
Average premium for full coverage: $1,382
Premium estimates by type of coverage:
Estimates include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and Sorento models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Kia Sorento go from as low as $474 for just the minimum liability insurance to a high rate of $2,996 for high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion.
The graphic below illustrates how rural and urban location affects auto insurance prices.
These rate differences illustrate why all drivers should compare rates quotes using their specific location and risk profile, instead of making a decision based on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below illustrates estimated Kia Sorento insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $795
- Raising to $1,000 deductibles will save $184 each year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,382
- Selecting low deductibles will cost an extra $356 annually
- Drivers with serious driving violations could pay around $2,996 or more
- An auto insurance policy for full coverage for a 16-year-old driver can cost $5,192
Car insurance prices for a Kia Sorento also have a wide range based on your driving characteristics, the model year and trim level, and physical damage deductibles and liability limits.
More mature drivers with no driving violations and high deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged in the ballpark of $5,100 a year. View Rates by Age
Where you choose to live also has a big influence on Kia Sorento insurance prices. A middle-age driver might find prices as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,870 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,250 | -$132 | -9.6% |
| Alaska | $1,062 | -$320 | -23.2% |
| Arizona | $1,148 | -$234 | -16.9% |
| Arkansas | $1,382 | -$0 | 0.0% |
| California | $1,574 | $192 | 13.9% |
| Colorado | $1,322 | -$60 | -4.3% |
| Connecticut | $1,422 | $40 | 2.9% |
| Delaware | $1,564 | $182 | 13.2% |
| Florida | $1,730 | $348 | 25.2% |
| Georgia | $1,276 | -$106 | -7.7% |
| Hawaii | $992 | -$390 | -28.2% |
| Idaho | $934 | -$448 | -32.4% |
| Illinois | $1,030 | -$352 | -25.5% |
| Indiana | $1,040 | -$342 | -24.7% |
| Iowa | $934 | -$448 | -32.4% |
| Kansas | $1,316 | -$66 | -4.8% |
| Kentucky | $1,886 | $504 | 36.5% |
| Louisiana | $2,046 | $664 | 48.0% |
| Maine | $852 | -$530 | -38.4% |
| Maryland | $1,140 | -$242 | -17.5% |
| Massachusetts | $1,106 | -$276 | -20.0% |
| Michigan | $2,402 | $1,020 | 73.8% |
| Minnesota | $1,156 | -$226 | -16.4% |
| Mississippi | $1,656 | $274 | 19.8% |
| Missouri | $1,226 | -$156 | -11.3% |
| Montana | $1,486 | $104 | 7.5% |
| Nebraska | $1,090 | -$292 | -21.1% |
| Nevada | $1,656 | $274 | 19.8% |
| New Hampshire | $996 | -$386 | -27.9% |
| New Jersey | $1,544 | $162 | 11.7% |
| New Mexico | $1,224 | -$158 | -11.4% |
| New York | $1,458 | $76 | 5.5% |
| North Carolina | $798 | -$584 | -42.3% |
| North Dakota | $1,130 | -$252 | -18.2% |
| Ohio | $956 | -$426 | -30.8% |
| Oklahoma | $1,420 | $38 | 2.7% |
| Oregon | $1,266 | -$116 | -8.4% |
| Pennsylvania | $1,318 | -$64 | -4.6% |
| Rhode Island | $1,842 | $460 | 33.3% |
| South Carolina | $1,252 | -$130 | -9.4% |
| South Dakota | $1,168 | -$214 | -15.5% |
| Tennessee | $1,210 | -$172 | -12.4% |
| Texas | $1,666 | $284 | 20.5% |
| Utah | $1,024 | -$358 | -25.9% |
| Vermont | $946 | -$436 | -31.5% |
| Virginia | $828 | -$554 | -40.1% |
| Washington | $1,070 | -$312 | -22.6% |
| West Virginia | $1,266 | -$116 | -8.4% |
| Wisconsin | $956 | -$426 | -30.8% |
| Wyoming | $1,232 | -$150 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $540 annually, whereas increasing liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will cost up to $375 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,300 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 129% more than the average policy. View High Risk Driver Rates
With such a large range in prices, the only way to figure out who has the best car insurance prices is to do a rate comparison from multiple companies. Every auto insurance company calculates prices differently, so rate quotes will be substantially different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Kia Sorento | $294 | $536 | $398 | $1,386 |
| 2023 Kia Sorento | $284 | $524 | $416 | $1,382 |
| 2022 Kia Sorento | $274 | $502 | $430 | $1,364 |
| 2021 Kia Sorento | $260 | $484 | $442 | $1,344 |
| 2020 Kia Sorento | $250 | $450 | $452 | $1,310 |
| 2019 Kia Sorento | $240 | $424 | $456 | $1,278 |
| 2018 Kia Sorento | $230 | $380 | $460 | $1,228 |
| 2017 Kia Sorento | $214 | $350 | $460 | $1,182 |
| 2016 Kia Sorento | $206 | $328 | $464 | $1,156 |
| 2015 Kia Sorento | $202 | $306 | $474 | $1,140 |
| 2014 Kia Sorento | $186 | $284 | $474 | $1,102 |
| 2013 Kia Sorento | $182 | $258 | $478 | $1,076 |
| 2012 Kia Sorento | $170 | $236 | $474 | $1,038 |
| 2011 Kia Sorento | $160 | $214 | $474 | $1,006 |
| 2008 Kia Sorento | $150 | $178 | $452 | $938 |
| 2007 Kia Sorento | $138 | $170 | $446 | $912 |
Rates are averaged for all Kia Sorento models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Low Cost Kia Sorento Insurance
Finding better rates on insurance for a Kia Sorento consists of being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and avoiding coverage lapses. Set aside time to shop around every couple of years by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below you'll find a review of the material that was raised in the charts and tables above.
- Insureds who purchase more liability protection will pay approximately $460 annually to raise from 30/60 bodily injury limits to 250/500 limits
- Youthful drivers pay the highest auto insurance prices, with premiums being up to $433 per month if full coverage is included
- Drivers considered higher risk who have several accidents or serious violations may pay on average $1,610 more per year than a low-risk driver
- Increasing policy deductibles can save around $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.
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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:
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,192 |
| 20 | $3,198 |
| 30 | $1,440 |
| 40 | $1,382 |
| 50 | $1,264 |
| 60 | $1,240 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,738 |
| $250 | $1,574 |
| $500 | $1,382 |
| $1,000 | $1,198 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,382 |
| 50/100 | $1,465 |
| 100/300 | $1,569 |
| 250/500 | $1,840 |
| 100 CSL | $1,507 |
| 300 CSL | $1,736 |
| 500 CSL | $1,902 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,402 |
| 20 | $5,090 |
| 30 | $3,060 |
| 40 | $2,996 |
| 50 | $2,860 |
| 60 | $2,834 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $73 |
| Multi-vehicle | $73 |
| Homeowner | $21 |
| 5-yr Accident Free | $102 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $63 |
| Advance Quote | $68 |
| Online Quote | $98 |
| Total Discounts | $587 |
Discounts are estimated and may not be available from every company or in every state.
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