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 rates for a Kia Sorento are $1,386 a year for full coverage. Comprehensive insurance costs around $294 a year, collision insurance costs $536, and liability is estimated at $398. A liability-only policy costs approximately $460 a year, and high-risk insurance costs $3,002 or more. Teenage drivers cost the most to insure at up to $5,176 a year.

Average premium for full coverage: $1,386

Policy rates for type of insurance:

Estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Sorento trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than densely populated cities. The diagram below illustrates how where you live affects auto insurance rates.

The examples above show why it is important to get quotes for a specific zip code and risk profile, instead of using average rates.

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

Rate Comparisons

The chart below shows average Kia Sorento insurance rates for additional coverage choices and driver risks.

• The best discount rate is $798
• Choosing higher $1,000 deductibles can save about $1,198 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,386
• Using low $100 deductibles for comp and collision coverage will cost an extra $368 every year
• Unlucky drivers who are prone to accidents and violations could pay at least $3,002
• Policy cost for full coverage for a teen driver can be $5,176 each year

View Chart as Image

Car insurance rates for a Kia Sorento also range considerably based on your risk profile, the trim level of your Sorento, and deductibles and policy limits.

Older drivers with no driving violations and high deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged as much as $5,100 a year. View Rates by Age

Your home state plays a big part in determining prices for Kia Sorento insurance prices. A good driver about age 40 could pay as low as $920 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,980 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $560 every year, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,600 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 129% more than a normal policy. View High Risk Driver Rates

How to Find Low Cost Kia Sorento Insurance

Finding cheaper rates on car insurance takes being a good driver, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Take the time to comparison shop at every other renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following list is a review of the concepts that were touched on in the above illustrations.

• Higher risk drivers who have several accidents or serious violations may be required to pay an average of $1,620 more every year than a safer driver
• Drivers age 16 to 20 are the costliest to insure, costing up to $431 each month if full coverage is included
• Drivers can save up to $170 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $550 each year
• Drivers can save up to $170 per year just by quoting early and online

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.