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.

Average insurance rates for a Kia Sorento are $1,386 a year including full coverage. Comprehensive costs approximately $294 a year, collision insurance costs $536, and liability insurance is estimated at $398. A liability-only policy costs approximately $460 a year, and high-risk insurance costs around $3,002. Teen drivers receive the highest rates at up to $5,176 a year.

Average premium for full coverage: $1,386

Rate estimates by individual coverage type:

Full coverage includes $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and Sorento trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas. The diagram below illustrates the effect of geographic area on auto insurance prices.

These examples highlight why it is important to get quotes using their specific location and risk profile, rather than relying on price averages.

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

Additional Rate Information

The chart below breaks down average Kia Sorento insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $798
• Choosing higher $1,000 deductibles can save $1,198 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,386
• Choosing low $100 deductibles for comp and collision coverage will increase the cost to $1,754
• High-risk insureds with multiple violations and an at-fault accident could pay around $3,002
• The cost for full coverage for a teen driver can cost $5,176 each year

View Chart as Image

Insurance rates for a Kia Sorento can also vary considerably based on your driver profile, the model of your Sorento, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles could pay as little as $1,300 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark of $5,100 a year. View Rates by Age

Where you live plays a big part in determining prices for Kia Sorento insurance rates. A good driver about age 40 could pay as low as $1,070 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,980 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $560 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $358 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,600 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 129% more than average. View High Risk Driver Rates

How to Find More Affordable Kia Sorento Insurance

Saving money on Kia Sorento insurance takes being a safe and courteous driver, maintaining good credit, not filing small claims, and possibly raising deductibles. Take the time to compare rates at least every other year by requesting rates from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

Below is a summary of the car insurance concepts covered in the above illustrations.

• High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,620 more per year for auto insurance
• You may be able to save around $170 per year just by quoting early and online
• Increasing deductibles can save around $550 each year
• Drivers who purchase higher levels of liability will pay about $440 per year to raise limits from a minimum limit to 250/500 limits

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.