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2008 Kia Sorento Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Feb 26, 2020

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Average insurance rates for a 2008 Kia Sorento are $1,076 a year for full coverage insurance. Comprehensive costs approximately $182, collision insurance costs $258, and liability costs around $478. Buying a liability-only policy costs as low as $526 a year, and high-risk insurance costs around $2,318. Teenage drivers receive the highest rates at up to $4,288 a year.

Annual premium for full coverage: $1,076

Rate estimates for 2008 Kia Sorento Insurance

Comprehensive $182
Collision $258
Liability $478

Rate data is compiled from all 50 U.S. states and averaged for all 2008 Kia Sorento models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range range from as low as $526 for just liability coverage to the much higher price of $2,318 for a driver that may need high-risk insurance.

Liability Only $526
Full Coverage $1,076
High Risk $2,318

View Chart as Image

2008 Kia Sorento insurance rates compared
Column chart showing 2008 Kia Sorento insurance prices range from $647 to $4,288 for full coverage

These differences illustrate why everyone should compare prices using their specific location and risk profile, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2008 Kia Sorento Insurance

Searching Companies

Finding low-cost insurance for a new or used Kia Sorento can be a painful process, but you can use a few tricks and make it easy.

There is a better way to buy car insurance and we’ll show you the absolute fastest way to compare rates for a new or used Kia and locate the cheapest rates from local insurance agents and online providers.

Smart consumers take time to check car insurance prices occasionally because rates are constantly changing. Despite the fact that you may have had the best rates on Sorento insurance a few years ago there is a good chance you can find better rates now. Ignore everything you know about car insurance because we’re going to demonstrate the only way to properly buy coverages while reducing your premium.

Best discounts on 2008 Kia Sorento coverage

Insurance can be prohibitively expensive, but companies offer discounts to cut the cost considerably. Certain discounts will be applied when you complete an application, but a few must be requested specifically before being credited. If you’re not getting every credit possible, you are throwing money away.

  • More Vehicles More Savings – Insuring multiple cars or trucks on the same insurance coverage policy qualifies for this discount.
  • Good Student Discount – Performing well in school can save 20 to 25%. The discount lasts up until you turn 25.
  • Life Insurance Discount – Some companies give a discount if you purchase life insurance from them.
  • Student Driver Training – Require your teen driver to complete a driver education course in high school.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • Low Mileage Discounts – Low mileage vehicles could qualify for a substantially lower rate.
  • Driver Safety – Taking part in a driver safety course could cut 5% off your bill if your company offers it.

Keep in mind that most discount credits are not given to all coverage premiums. Some only reduce individual premiums such as medical payments or collision. So when it seems like you can get free auto insurance, companies don’t profit that way. But all discounts will reduce the amount you have to pay.

For a list of companies with the best insurance coverage discounts, click here.

Comprehensive Insurance Coverage Comparison

Effectively comparing insurance coverage prices can take hours if you don’t know the best way to get rate quotes. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you could save time and use online quotes to maximize your effort.

Most major companies take part in a program where insurance shoppers send in one quote, and each participating company then returns a price quote determined by their information. This saves time by eliminating quote forms for each company you want a rate for.

To compare 2008 Kia Sorento rates now click here to start a free quote.

The only downside to comparing rates this way is you can’t choose which companies to get pricing from. So if you prefer to pick specific providers to request quotes from, we have a page of the cheapest insurance coverage companies in your area. Click here to view list.

It’s up to you which method you use, but make absolute certain that you use the exact same coverages and limits on every quote you get. If each company quotes unequal deductibles or liability limits it will be very difficult to determine the lowest rate for your Kia Sorento.

Complexity of Kia Sorento insurance rates

An important part of buying insurance is that you know some of the elements that come into play when calculating the rates you pay for auto insurance. Having a good understanding of what impacts premium levels allows you to make educated decisions that will entitle you to big savings.

  • Theft deterrents lower rates – Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft.
  • Better credit means lower rates – Your credit rating is a huge factor in calculating your auto insurance rates. Consumers who have good credit tend to be less risk to insure than those with lower ratings. If your credit history can use some improvement, you could potentially save money when insuring your 2008 Kia Sorento by improving your credit score.
  • How’s your driving record? – Whether or not you get tickets has a big impact on rates. Only having one citation can increase rates twenty percent or more. Good drivers get better rates than their less careful counterparts. Drivers with dangerous tickets like DWI, reckless driving or hit and run convictions are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to prevent a license revocation.
  • Too many auto insurance claims drive up costs – If you are a frequent claim filer, you can definitely plan on higher rates. Companies give lower rates to policyholders who are claim-free. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
  • Your auto insurance rates can be influenced by your job – Did you know your job can affect your rates? Occupations like doctors, social workers and stock brokers are shown to have the highest rates in part from stressful work requirements and lots of time spent at work. On the other hand, jobs such as pilots, students and performers pay the least on Sorento insurance.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your vehicles, there is no perfect coverage plan. Each situation is unique.

These are some specific questions can aid in determining whether you might need an agent’s assistance.

  • Do I need special endorsements for business use of my vehicle?
  • Is a new car covered when I drive it off the dealer lot?
  • Am I missing any policy discounts?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I covered if hit by an uninsured driver?
  • Where can I find high-risk insurance?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Buyer beware of car insurance advertising tricks

Consumers constantly see and hear ads for the lowest price auto insurance from the likes of Progressive, GEICO, Allstate and State Farm. They all have a common claim that you’ll save big if you switch your coverage to them.

How does each company make almost identical claims? This is how they do it.

All companies are able to cherry pick for the right customer that makes them money. For instance, a preferred risk might be profiled as between the ages of 30 and 50, a clean driving record, and has a high credit rating. Any new insured that hits that “sweet spot” receives the best rates and is almost guaranteed to save a lot of money.

Drivers who don’t meet the requirements will be quoted a higher premium which usually ends up with the customer not buying. The ad wording is “customers that switch” not “everyone that quotes” save money. That’s the way companies can truthfully claim big savings.

This emphasizes why drivers should compare as many rates as you can. It is impossible to predict which company will give you the biggest savings on Kia Sorento insurance.

Car insurance coverage specifics

Having a good grasp of your car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like fire damage, a tree branch falling on your vehicle, a broken windshield, damage from getting keyed and rock chips in glass. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage protection

Collision coverage pays for damage to your Sorento resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with another moving vehicle, rolling your car and backing into a parked car. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability coverages

Liability coverage protects you from injuries or damage you cause to other’s property or people. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as repair costs for stationary objects, medical services and pain and suffering. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like prosthetic devices, surgery and EMT expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages are identical to your policy’s liability coverage.

Be Smart and Buy Smart

Insureds who switch companies do it for a number of reasons such as questionable increases in premium, policy non-renewal, lack of trust in their agent or policy cancellation. Regardless of your reason, switching car insurance companies is not as difficult as it may seem.

Affordable 2008 Kia Sorento insurance can be found on the web in addition to many insurance agents, and you need to price shop both to have the best chance of lowering rates. A few companies do not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

When shopping online for car insurance, it’s a bad idea to buy less coverage just to save a little money. There are many occasions where an accident victim reduced uninsured motorist or liability limits and learned later that it was a big mistake. The aim is to find the BEST coverage at the best price while still protecting your assets.

Additional information is available on the following sites:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2008 Kia Sorento Insurance Rates by City
City Premium
New York City, NY $1,698
Los Angeles, CA $1,839
Philadelphia, PA $1,439
Jacksonville, FL $1,561
Phoenix, AZ $1,252
Chicago, IL $1,444
Houston, TX $1,687
Seattle, WA $1,046
Columbus, OH $900
Indianapolis, IN $915

Rates by Driver Age

2008 Kia Sorento Insurance Rates by Driver Age
Driver Age Premium
16 $4,288
20 $2,462
30 $1,098
40 $1,076
50 $988
60 $966

Full coverage, $500 deductibles

Rates by Deductible

2008 Kia Sorento Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,266
$250 $1,180
$500 $1,076
$1,000 $974

Full coverage, driver age 40

Rates by Liability Limit

Kia Sorento Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,076
50/100 $1,172
100/300 $1,291
250/500 $1,602
100 CSL $1,219
300 CSL $1,482
500 CSL $1,674

Full coverage, driver age 40

Rates for High Risk Drivers

2008 Kia Sorento Insurance Rates for High Risk Drivers
Age Premium
16 $6,056
20 $3,928
30 $2,342
40 $2,318
50 $2,216
60 $2,194

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.

SR-22 Surcharge $146

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $55
Multi-vehicle $58
Homeowner $19
5-yr Accident Free $68
5-yr Claim Free $68
Paid in Full/EFT $40
Advance Quote $48
Online Quote $73
Total Discounts $429
Rate after discounts $647

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2008 Kia Sorento Insurance Rates by State
State Premium
Alabama $972
Alaska $826
Arizona $894
Arkansas $1,076
California $1,226
Colorado $1,028
Connecticut $1,104
Delaware $1,218
Florida $1,346
Georgia $992
Hawaii $770
Idaho $728
Illinois $802
Indiana $810
Iowa $724
Kansas $1,022
Kentucky $1,468
Louisiana $1,592
Maine $662
Maryland $886
Massachusetts $862
Michigan $1,870
Minnesota $900
Mississippi $1,288
Missouri $954
Montana $1,156
Nebraska $848
Nevada $1,288
New Hampshire $776
New Jersey $1,204
New Mexico $952
New York $1,132
North Carolina $618
North Dakota $878
Ohio $744
Oklahoma $1,104
Oregon $984
Pennsylvania $1,028
Rhode Island $1,434
South Carolina $974
South Dakota $908
Tennessee $944
Texas $1,298
Utah $796
Vermont $736
Virginia $644
Washington $830
West Virginia $984
Wisconsin $744
Wyoming $960

Free Auto Insurance Comparison

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