2015 Kia Sorento Insurance Rates
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UPDATED: Feb 26, 2020
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Average insurance rates for a 2015 Kia Sorento are $1,310 a year with full coverage. Comprehensive costs on average $250 each year, collision insurance costs $450, and liability costs $452. Buying a liability-only policy costs as little as $504 a year, and high-risk insurance costs around $2,838. Teen drivers receive the highest rates at up to $5,016 a year.
Annual premium for full coverage: $1,310
Rate estimates for 2015 Kia Sorento Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2015 Kia Sorento models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a middle-aged driver, prices range range from as low as $504 for the bare minimum liability coverage to a high rate of $2,838 for a high risk driver.
These differences demonstrate why all drivers should compare rates based on a specific location and risk profile, instead of using price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2015 Kia Sorento Insurance
Expensive insurance coverage can drain your checking account and put the squeeze on your family’s finances. Shopping your coverage around is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.
Lots of car insurance companies contend for your insurance dollar, so it’s not easy to compare every provider and uncover the absolute best price available.
It’s important to price shop coverage on a regular basis since rates are rarely the same from one policy term to another. If you had the best deal for Sorento coverage on your last policy there is a good chance you can find better rates now. You’ll find quite a bit of inaccurate information about insurance coverage on the internet, so by reading this article, you’re going to learn some proven techniques to find cheap insurance coverage.
More discounts equal less premium
Insurance can be prohibitively expensive, but you can get discounts that can drop the cost substantially. Certain discounts will be triggered automatically at the time of quoting, but some may not be applied and must be asked about before you get the savings.
- Safe Driver Discount – Insureds without accidents may save up to 50% more for Sorento coverage than drivers with accidents.
- Multi-car Discount – Having more than one vehicle with the same company could earn a price break for each car.
- Sign Online – A few companies will discount your bill up to fifty bucks for buying a policy and signing up online.
- Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
- Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education in high school.
- Claim Free – Drivers who don’t have accidents can earn big discounts compared to frequent claim filers.
- Good Student Discount – Getting good grades can get you a discount of up to 25%. The discount lasts until age 25.
- Payment Discounts – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
Drivers should understand that most of the big mark downs will not be given to your bottom line cost. Most only apply to individual premiums such as medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, you’re out of luck. But any discount will cut your premiums.
A partial list of companies that possibly offer these benefits include:
It’s a good idea to ask every prospective company which discounts you may be entitled to. Savings may not be available in every state.
How to Get Car Insurance
All the larger car insurance companies allow you to get prices for coverage on their websites. Getting quotes doesn’t take much effort as you just type in the coverages you want into a form. After the form is submitted, the company’s rating system collects information on your driving record and credit history and quotes a price based on many factors. Online price quotes makes it a lot easier to compare rates but the time required to go to multiple sites and fill out multiple forms can be a bit repetitive. Unfortunately, it is important to get many rate quotes in order to find the lowest price.
The easiest way to find better car insurance pricing requires only one form to get prices from a bunch of companies at once. The form is fast, requires less work, and makes quoting online much more enjoyable. After sending your information, it is quoted and you can choose any or none of the resulting price quotes.
If a lower price is quoted, it’s easy to complete the application and purchase coverage. The whole process just takes a couple of minutes and can result in significant savings.
If you want to fill out one form to compare multiple rates now, click here and begin entering your coverage information. If you have your current policy handy, we recommend you replicate coverages and limits as shown on your current policy. This way, you will get an apples-to-apples comparison based on similar coverages.
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It’s not one size fits all
When it comes to choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that may help you determine whether you might need an agent’s assistance.
- Is my teenager covered with friends in the car?
- Does medical payments coverage apply to all occupants?
- Which companies will insure high-risk drivers?
- If I drive on a suspended license am I covered?
- How much liability do I need to cover my assets?
- What is the rate difference between pleasure use and commuting?
If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.
Auto insurance coverages 101
Having a good grasp of a auto insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Auto insurance terms can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average auto insurance policy.
Comprehensive (Other than Collision)
Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things such as rock chips in glass, falling objects, hail damage, a broken windshield and theft. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Medical expense insurance
Personal Injury Protection (PIP) and medical payments coverage kick in for bills like X-ray expenses, ambulance fees, prosthetic devices and EMT expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Coverage for collisions
This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision insurance covers claims such as colliding with a tree, crashing into a ditch, sustaining damage from a pot hole, rolling your car and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.
Liability insurance provides protection from injuries or damage you cause to other’s property or people by causing an accident. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage protects against claims such as loss of income, structural damage and court costs. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.
Protection from uninsured/underinsured drivers
Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your 2015 Kia Sorento.
Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are similar to your liability insurance amounts.
The best insurance company isn’t always the cheapest
Affordable 2015 Kia Sorento insurance can be purchased online and also from your neighborhood agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies may not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.
When buying insurance coverage, never sacrifice coverage to reduce premiums. In many cases, consumers will sacrifice collision coverage only to regret they didn’t purchase enough coverage. Your strategy should be to buy enough coverage for the lowest price while not skimping on critical coverages.
- Your Car has been Stolen: Now What? (Allstate)
- How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
- All About Airbag Safety (State Farm)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
- What to do at the Scene of an Accident (Insurance Information Insitute)
- Shopping for a Safe Car (Insurance Information Insitute)
Rates by U.S. City
|New York City, NY||$2,067|
|Los Angeles, CA||$2,235|
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$93|
|5-yr Claim Free||$85|
|Paid in Full/EFT||$57|
Discounts are estimated and may not be available from every company or in every state.