Kia Sorento Insurance Rates

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

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 3, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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 insurance rates for a Kia Sorento are $894 a year with full coverage. Comprehensive insurance costs around $132, collision costs $162, and liability is estimated at $442. A policy with only liability insurance costs approximately $496 a year, with a high-risk policy costing $1,918 or more. 16-year-old drivers pay the most at $3,674 a year or more.

Average premium for full coverage: $894

Premium estimates for type of coverage:

Comprehensive $132
Collision $162
Liability $442

Rate estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for different Sorento trim levels.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Kia Sorento go from as low as $496 for the bare minimum liability coverage to a much higher rate of $1,918 for coverage for higher-risk drivers.

Liability Only $496
Full Coverage $894
High Risk $1,918

Insurance Price Range by Location

Living in a larger city can have significant affects on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than congested cities.

The price range example below illustrates how location helps determine auto insurance rates.

Rural Areas $671
Small Cities $939
Large Cities $1,207

These rate differences demonstrate why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, instead of using rate averages.

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

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

Additional Rate Information

The chart below details estimated Kia Sorento insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $552
  • Choosing higher $1,000 deductibles can save about $68 annually
  • The average rate for a 40-year-old good driver using $500 deductibles is $894
  • Buying more expensive low deductibles for comp and collision coverage will cost an extra $126 every year
  • Unlucky drivers with multiple tickets or accidents could pay at least $1,918 or more
  • An auto insurance policy for full coverage for a teen driver with full coverage can be $3,674 each year

View Chart as Image

Kia Sorento insurance cost comparison chart
Column chart showing full coverage Kia Sorento insurance prices range from $552 to $3,674

Car insurance prices for a Kia Sorento also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.

An older driver with no driving violations and high deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged as much as $3,600 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Kia Sorento insurance prices. A good driver about age 40 could pay as low as $650 a year in states like New Hampshire, Ohio, and Utah, or at least $1,210 on average in Florida, Michigan, and New York.

Kia Sorento Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $810 -$84 -9.4%
Alaska $688 -$206 -23.0%
Arizona $744 -$150 -16.8%
Arkansas $894 -$0 0.0%
California $1,018 $124 13.9%
Colorado $854 -$40 -4.5%
Connecticut $920 $26 2.9%
Delaware $1,012 $118 13.2%
Florida $1,120 $226 25.3%
Georgia $826 -$68 -7.6%
Hawaii $642 -$252 -28.2%
Idaho $606 -$288 -32.2%
Illinois $666 -$228 -25.5%
Indiana $674 -$220 -24.6%
Iowa $604 -$290 -32.4%
Kansas $852 -$42 -4.7%
Kentucky $1,220 $326 36.5%
Louisiana $1,326 $432 48.3%
Maine $552 -$342 -38.3%
Maryland $740 -$154 -17.2%
Massachusetts $718 -$176 -19.7%
Michigan $1,554 $660 73.8%
Minnesota $748 -$146 -16.3%
Mississippi $1,072 $178 19.9%
Missouri $794 -$100 -11.2%
Montana $962 $68 7.6%
Nebraska $706 -$188 -21.0%
Nevada $1,072 $178 19.9%
New Hampshire $644 -$250 -28.0%
New Jersey $1,000 $106 11.9%
New Mexico $792 -$102 -11.4%
New York $944 $50 5.6%
North Carolina $514 -$380 -42.5%
North Dakota $732 -$162 -18.1%
Ohio $620 -$274 -30.6%
Oklahoma $920 $26 2.9%
Oregon $820 -$74 -8.3%
Pennsylvania $854 -$40 -4.5%
Rhode Island $1,194 $300 33.6%
South Carolina $810 -$84 -9.4%
South Dakota $756 -$138 -15.4%
Tennessee $786 -$108 -12.1%
Texas $1,078 $184 20.6%
Utah $664 -$230 -25.7%
Vermont $612 -$282 -31.5%
Virginia $536 -$358 -40.0%
Washington $692 -$202 -22.6%
West Virginia $820 -$74 -8.3%
Wisconsin $620 -$274 -30.6%
Wyoming $798 -$96 -10.7%

View Chart as Image

Kia Sorento insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $200 every year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at least $1,100 to $1,500 extra annually, depending on your age. High-risk driver insurance ranges as much as 41% to 136% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the best way to find out your exact price is to compare prices and see which company has the best price. Each auto insurer utilizes a different rate formula, so rate quotes will be substantially different from one company to the next.

Kia Sorento Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2016 Kia Sorento $230 $380 $460 $1,228
2015 Kia Sorento $214 $350 $460 $1,182
2014 Kia Sorento $206 $328 $464 $1,156
2013 Kia Sorento $202 $306 $474 $1,140
2012 Kia Sorento $186 $284 $474 $1,102
2011 Kia Sorento $182 $258 $478 $1,076
2008 Kia Sorento $154 $192 $468 $972
2007 Kia Sorento $152 $188 $460 $958
2004 Kia Sorento $132 $162 $442 $894

Rates are averaged for all Kia Sorento models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Best Kia Sorento Insurance

Finding better rates on car insurance takes being a safe and courteous driver, having above-average credit, being claim-free, and qualifying for all possible discounts. Invest time comparing rates at least once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below is a brief recap of the primary concepts that were covered in the charts and tables above.

  • You may be able to save up to $100 per year simply by shopping early and online
  • Higher risk drivers who tend to receive serious violations pay an average of $1,020 more every year for auto insurance
  • Increasing policy deductibles can save around $200 each year
  • Teenage drivers are the costliest to insure, possibly costing $306 per month if full coverage is included

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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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:

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.

Rates by Driver Age

Kia Sorento Insurance Rates by Driver Age
Driver Age Premium
16 $3,674
20 $2,044
30 $906
40 $894
50 $824
60 $806

Full coverage, $500 deductibles

Rates by Deductible

Kia Sorento Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,020
$250 $962
$500 $894
$1,000 $826

Full coverage, driver age 40

Rates by Liability Limit

Kia Sorento Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $894
50/100 $982
100/300 $1,093
250/500 $1,380
100 CSL $1,027
300 CSL $1,270
500 CSL $1,447

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Sorento Insurance Rates for High Risk Drivers
Age Premium
16 $5,152
20 $3,256
30 $1,928
40 $1,918
50 $1,836
60 $1,816

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 $118

Potential Rate Discounts

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

Discount Savings
Multi-policy $44
Multi-vehicle $48
Homeowner $16
5-yr Accident Free $52
5-yr Claim Free $55
Paid in Full/EFT $30
Advance Quote $38
Online Quote $59
Total Discounts $342
Rate after discounts $552

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles