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.

U.S. average insurance prices for a Kia Sorento are $1,382 every 12 months with full coverage. Comprehensive insurance costs on average $284, collision costs $524, and liability insurance costs around $416. Liability-only insurance costs as low as $474 a year, with high-risk driver insurance costing $2,996 or more. 16-year-old drivers pay the highest rates at $5,192 a year or more.

Average premium for full coverage: $1,382

Price estimates by individual coverage:

These estimates include $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for different Sorento trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on auto insurance rates. Rural areas have more infrequent collision claims than congested cities.

The price range example below illustrates how your location can change car insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, rather than relying on rate averages.

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

Rates by State, City, and Model

The chart below details estimated Kia Sorento insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $795
• Using higher $1,000 deductibles will save around $184 annually
• The average price for the average middle-age driver with $500 deductibles is $1,382
• Buying more expensive low deductibles for physical damage coverage costs an extra $356 a year
• Drivers with multiple tickets or accidents could pay upwards of $2,996 or more
• The price to insure a teen driver with full coverage may cost $5,192 or more

View Chart as Image

Car insurance prices for a Kia Sorento are also quite variable based on deductibles and policy limits, your driving record, and the trim level of your Sorento.

Opting for high physical damage deductibles could cut prices by as much as $540 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $375 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles could pay as little as $1,300 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged upwards of $5,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $1,600 to $2,300 extra each year, depending on your age. High-risk driver insurance can be anywhere from 44% to 129% more than the average rate. View High Risk Driver Rates

The state you live in has a huge impact on Kia Sorento insurance rates. A driver around age 40 might see prices as low as $1,000 a year in states like New Hampshire, Ohio, and Utah, or at least $1,870 on average in Florida, Michigan, and New York.

View Chart as Image

Since prices can be so different, the best way to find out exactly what you will pay is to compare prices from as many companies as possible. Each insurance company utilizes a different rate formula, so rate quotes may be quite different.

How to Shop for Cheap Kia Sorento Insurance

Getting lower rates on Kia Sorento insurance requires being safe and accident-free, maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to shop around at every policy renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below you'll find a brief summary of the data illustrated above.

• Drivers who require more liability protection will pay around $460 every year to increase from a low limit to a 250/500 level
• You may be able to save as much as $170 per year simply by shopping early and online
• Increasing physical damage deductibles could save as much as $550 each year
• Youthful drivers are expensive to insure, costing up to $433 a month if the policy includes full coverage

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.