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.

U.S. average auto insurance rates for a Kia Sorento are $1,382 annually for full coverage. Comprehensive insurance costs an estimated $284 each year, collision costs $524, and liability coverage costs around $416. Buying just liability costs as low as $474 a year, with insurance for high-risk drivers costing $2,996 or more. Teenage drivers pay the highest rates at $5,192 a year or more.

Average premium for full coverage: $1,382

Price estimates broken down by individual coverage:

Prices are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and Sorento models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on insurance rates. More rural locations have fewer accident claims than densely populated cities.

The graphic below illustrates how rural and urban location affects insurance prices.

The ranges above show why all drivers should compare prices for a targeted area and their own personal driving habits, rather than using average rates.

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

Additional Rate Details

The chart below shows estimated Kia Sorento insurance rates for other coverage scenarios.

• The best discount rate is $795
• Using higher $1,000 deductibles will save approximately $184 a year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,382
• Using low deductibles for physical damage coverage costs an additional $356 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,996 or more
• The price with full coverage for a teenage driver can cost as much as $5,192 or more

View Chart as Image

Insurance prices for a Kia Sorento are also quite variable based on the trim level and model year, your driver profile, and liability limits and deductibles.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $5,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying $1,600 to $2,300 additional each year, depending on your age. Insurance for high-risk drivers can be around 44% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $540 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $375 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Kia Sorento insurance rates. A driver around age 40 might see prices as low as $910 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,970 on average in New York, Louisiana, and Michigan.

View Chart as Image

Since prices can be so different, the only way to know which car insurance is cheapest is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate prices, and prices may be quite different between companies.

How to Buy Affordable Kia Sorento Insurance

Getting lower rates on auto insurance requires being a low-risk driver, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to shop around at least every other year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a brief review of the car insurance concepts raised in the charts and tables above.

• Drivers with DUI or reckless driving convictions may pay on average $1,610 more annually to insure their Sorento
• Drivers can save approximately $170 per year simply by quoting online in advance
• Increasing physical damage deductibles could save up to $550 each year
• Consumers who want more liability coverage will pay an extra $460 each year to increase from a low limit to higher 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.