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 auto insurance rates for a Kia Sorento are $1,382 annually including full coverage. Comprehensive costs an estimated $284 a year, collision insurance costs $524, and liability insurance is $416. Liability-only coverage costs around $474 a year, and high-risk coverage costs around $2,996. Teens pay the most at up to $5,192 a year.

Average premium for full coverage: $1,382

Premium estimates broken down by type of coverage:

Rates are based on $500 deductible amounts, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Sorento trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects insurance prices.

These rate differences highlight why it is important to compare rates quotes for a targeted area and their own personal driving habits, rather than relying on averaged prices.

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

Additional Charts and Tables

The chart below breaks down average Kia Sorento insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $795
• Raising to $1,000 deductibles will save approximately $1,198 every year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,382
• Selecting low $100 deductibles will cost $1,738
• Higher-risk drivers with serious driving violations could pay up to $2,996
• An auto insurance policy with full coverage for a teen driver can cost as much as $5,192

View Chart as Image

Insurance prices for a Kia Sorento also have a wide range based on the model of your Sorento, your driving characteristics, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles could pay as little 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 without any violations or accidents they can expect to pay at least $5,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying $1,600 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $540 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $375 more per year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Kia Sorento insurance rates. A middle-age driver might find prices as low as $1,060 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,970 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Buy the Best Cheap Kia Sorento Insurance

Finding better rates on Kia Sorento insurance consists of having a good driving record, having a good credit history, refrain from filing small claims, and deciding if full coverage is necessary. Invest the time to compare rates at least once a year by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The next list is a quick review of the primary concepts that were presented in the illustrations above.

• You may be able to save approximately $170 per year just by quoting early and online
• High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,610 more annually to buy Kia Sorento insurance
• Increasing policy deductibles could save up to $550 each year
• Drivers age 20 and younger are charged the highest prices, with the cost nearing $433 per month including comprehensive and collision insurance

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.