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.

The average insurance prices for a Kia Sorento are $1,386 every 12 months with full coverage. Comprehensive costs an estimated $294, collision costs $536, and liability costs $398. Buying just liability costs as little as $460 a year, with insurance for high-risk drivers costing around $3,002. 16-year-old drivers cost the most to insure at $5,176 a year or more.

Average premium for full coverage: $1,386

Policy rates broken down by type of insurance:

Includes $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for different Sorento trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. More rural locations are shown to have more infrequent collision claims than congested cities.

The price range example below illustrates how where you live affects insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, instead of using rate averages.

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

Additional Rate Information

The chart below details estimated Kia Sorento insurance rates for other coverage scenarios.

• The best full coverage rate is $798
• Drivers who choose higher $1,000 deductibles will pay approximately $188 annually
• The average price for a good driver age 40 who has $500 deductibles is $1,386
• Buying more expensive low deductibles for comprehensive and collision insurance increases the price to $1,754
• Higher-risk drivers with multiple tickets or accidents could pay up to $3,002 or more
• Policy cost to insure a teen driver with full coverage can cost as much as $5,176 a year

View Chart as Image

Insurance rates for a Kia Sorento also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.

Opting for high physical damage deductibles could save up to $560 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay at least $5,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,600 to $2,300 extra every year, depending on your age. High-risk driver insurance can cost as much as 44% to 129% more than the average rate. View High Risk Driver Rates

Your home state makes a big difference in Kia Sorento insurance prices. A 40-year-old driver could pay as low as $1,000 a year in states like Utah, Ohio, and New Hampshire, or at least $1,870 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to compare rates and see which company has the best rate. Every company utilizes a different rate formula, so the rates will be varied.

How to Shop for the Cheapest Kia Sorento Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and claims, but also having good credit, not filing small claims, and taking advantage of discounts. Take the time to comparison shop every couple of years by getting quotes from direct companies, and also from your local independent and exclusive agents.

The points below are a recap of the material that was touched on in the above illustrations.

• Policyholders who want increased liability limits will pay around $440 every year to go from a 30/60 limit to a 250/500 level
• Drivers under the age of 20 are charged the highest rates, as much as $431 each month if they have full coverage
• Higher risk drivers that have major violations or accidents may pay on average $1,620 more annually to insure a Kia Sorento
• Increasing comprehensive and collision deductibles could save as much as $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.