Kia Sorento Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 30, 2024
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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 $1,386 a year for full coverage insurance. Comprehensive insurance costs on average $294, collision insurance costs $536, and liability costs $398. Liability-only insurance costs as little as $460 a year, and high-risk driver insurance costs $3,002 or more. Teenage drivers pay the most at up to $5,176 a year.
Average premium for full coverage: $1,386
Premium estimates by type of coverage:
Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and for all Sorento models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Kia Sorento range from the low end price of $460 for basic liability insurance to the much higher price of $3,002 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Your location can make a big difference on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than densely populated cities. The example below illustrates the difference between rural and urban areas on car insurance rates.
These rate differences illustrate why everyone should compare rates based on a specific location, instead of making a decision based on average rates.
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.
Rate Comparisons
The chart below illustrates average Kia Sorento insurance rates for different risk profiles and scenarios.
- The best discount rate is $798
- Drivers who choose higher $1,000 deductibles will pay around $188 each year
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,386
- Using pricier low deductibles for comprehensive and collision insurance will cost an additional $368 annually
- Drivers who are prone to accidents and violations could pay upwards of $3,002
- An auto insurance policy that insures a 16-year-old driver for full coverage may cost $5,176 a year
Insurance prices for a Kia Sorento also have a wide range based on the model of your Sorento, your age and driving record, and policy deductibles and limits.
If you have a few violations or you caused an accident, you are probably paying at a minimum $1,600 to $2,300 additional annually, depending on your age. Kia Sorento insurance for high-risk drivers can cost from 44% to 129% more than a normal policy. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $5,100 a year. View Rates by Age
Where you choose to live makes a big difference in Kia Sorento insurance prices. A 40-year-old driver could pay as low as $910 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,870 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,254 | -$132 | -9.5% |
| Alaska | $1,066 | -$320 | -23.1% |
| Arizona | $1,152 | -$234 | -16.9% |
| Arkansas | $1,386 | -$0 | 0.0% |
| California | $1,582 | $196 | 14.1% |
| Colorado | $1,324 | -$62 | -4.5% |
| Connecticut | $1,428 | $42 | 3.0% |
| Delaware | $1,570 | $184 | 13.3% |
| Florida | $1,736 | $350 | 25.3% |
| Georgia | $1,282 | -$104 | -7.5% |
| Hawaii | $998 | -$388 | -28.0% |
| Idaho | $940 | -$446 | -32.2% |
| Illinois | $1,036 | -$350 | -25.3% |
| Indiana | $1,044 | -$342 | -24.7% |
| Iowa | $936 | -$450 | -32.5% |
| Kansas | $1,320 | -$66 | -4.8% |
| Kentucky | $1,894 | $508 | 36.7% |
| Louisiana | $2,054 | $668 | 48.2% |
| Maine | $858 | -$528 | -38.1% |
| Maryland | $1,142 | -$244 | -17.6% |
| Massachusetts | $1,110 | -$276 | -19.9% |
| Michigan | $2,410 | $1,024 | 73.9% |
| Minnesota | $1,162 | -$224 | -16.2% |
| Mississippi | $1,662 | $276 | 19.9% |
| Missouri | $1,232 | -$154 | -11.1% |
| Montana | $1,490 | $104 | 7.5% |
| Nebraska | $1,094 | -$292 | -21.1% |
| Nevada | $1,664 | $278 | 20.1% |
| New Hampshire | $1,000 | -$386 | -27.8% |
| New Jersey | $1,552 | $166 | 12.0% |
| New Mexico | $1,230 | -$156 | -11.3% |
| New York | $1,462 | $76 | 5.5% |
| North Carolina | $800 | -$586 | -42.3% |
| North Dakota | $1,136 | -$250 | -18.0% |
| Ohio | $958 | -$428 | -30.9% |
| Oklahoma | $1,426 | $40 | 2.9% |
| Oregon | $1,272 | -$114 | -8.2% |
| Pennsylvania | $1,324 | -$62 | -4.5% |
| Rhode Island | $1,852 | $466 | 33.6% |
| South Carolina | $1,258 | -$128 | -9.2% |
| South Dakota | $1,170 | -$216 | -15.6% |
| Tennessee | $1,216 | -$170 | -12.3% |
| Texas | $1,672 | $286 | 20.6% |
| Utah | $1,028 | -$358 | -25.8% |
| Vermont | $950 | -$436 | -31.5% |
| Virginia | $830 | -$556 | -40.1% |
| Washington | $1,074 | -$312 | -22.5% |
| West Virginia | $1,272 | -$114 | -8.2% |
| Wisconsin | $962 | -$424 | -30.6% |
| Wyoming | $1,236 | -$150 | -10.8% |
Using high physical damage deductibles could save up to $560 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $358 more each year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Kia Sorento | $306 | $542 | $390 | $1,396 |
| 2023 Kia Sorento | $294 | $536 | $398 | $1,386 |
| 2022 Kia Sorento | $284 | $524 | $416 | $1,382 |
| 2021 Kia Sorento | $274 | $502 | $430 | $1,364 |
| 2020 Kia Sorento | $260 | $484 | $442 | $1,344 |
| 2019 Kia Sorento | $250 | $450 | $452 | $1,310 |
| 2018 Kia Sorento | $240 | $424 | $456 | $1,278 |
| 2017 Kia Sorento | $230 | $380 | $460 | $1,228 |
| 2016 Kia Sorento | $214 | $350 | $460 | $1,182 |
| 2015 Kia Sorento | $206 | $328 | $464 | $1,156 |
| 2014 Kia Sorento | $202 | $306 | $474 | $1,140 |
| 2013 Kia Sorento | $186 | $284 | $474 | $1,102 |
| 2012 Kia Sorento | $182 | $258 | $478 | $1,076 |
| 2011 Kia Sorento | $170 | $236 | $474 | $1,038 |
| 2008 Kia Sorento | $152 | $188 | $460 | $958 |
| 2007 Kia Sorento | $150 | $178 | $452 | $938 |
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 Cheap Kia Sorento Insurance
Finding better rates on insurance for a Kia Sorento not only requires being safe and accident-free, but also having a good credit score, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Compare prices at every other renewal by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.
Below you'll find a quick review of the concepts that were covered above.
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,620 more each year than a low-risk driver
- Youthful drivers pay higher prices, with premiums being up to $431 per month if comprehensive and collision insurance is included
- It is possible to save as much as $170 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles can save approximately $550 each year
- It is possible to save as much as $170 per year just by quoting online well ahead of the renewal date
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.
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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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,176 |
| 20 | $3,208 |
| 30 | $1,450 |
| 40 | $1,386 |
| 50 | $1,268 |
| 60 | $1,244 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,754 |
| $250 | $1,584 |
| $500 | $1,386 |
| $1,000 | $1,198 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,386 |
| 50/100 | $1,466 |
| 100/300 | $1,565 |
| 250/500 | $1,824 |
| 100 CSL | $1,505 |
| 300 CSL | $1,724 |
| 500 CSL | $1,884 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,382 |
| 20 | $5,098 |
| 30 | $3,068 |
| 40 | $3,002 |
| 50 | $2,864 |
| 60 | $2,840 |
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.
| Discount | Savings |
|---|---|
| Multi-policy | $74 |
| Multi-vehicle | $72 |
| Homeowner | $20 |
| 5-yr Accident Free | $102 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $64 |
| Advance Quote | $69 |
| Online Quote | $98 |
| Total Discounts | $588 |
Discounts are estimated and may not be available from every company or in every state.
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