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.

The average insurance prices for a Kia Sorento are $1,382 every 12 months for full coverage insurance. Comprehensive insurance costs around $284 each year, collision costs $524, and liability coverage costs around $416. Liability-only insurance costs as low as $474 a year, with high-risk driver insurance costing $2,996 or more. Teenage drivers cost the most to insure at $5,192 a year or more.

Average premium for full coverage: $1,382

Policy rates for type of insurance:

Includes $500 deductible amounts, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Sorento models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than densely populated cities.

The graphic below illustrates how location helps determine auto insurance rates.

The examples above illustrate why all drivers should compare prices for a specific zip code and their own driving history, rather than using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $795
• Using higher $1,000 deductibles will save about $184 each year
• The average price for a good driver age 40 using $500 deductibles is $1,382
• Using low deductibles for physical damage coverage costs an extra $356 each year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,996 or more
• Policy cost to insure a teenage driver can be $5,192 or more

View Chart as Image

Auto insurance rates for a Kia Sorento also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.

Using high physical damage deductibles could cut rates by as much as $540 a year, whereas increasing liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $375 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay as much as $5,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,600 to $2,300 in extra premium every 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

Your home state has a huge impact on Kia Sorento insurance rates. A driver around age 40 might see rates as low as $900 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.

View Chart as Image

Because rates have so much variability, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate rates, and quoted rates will be varied.

How to Shop for the Cheapest Kia Sorento Insurance

Finding cheaper rates on auto insurance requires having a good driving record, having a good credit score, being claim-free, and maximizing policy discounts. Invest time comparing rates once a year by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The next list is a recap of the data that was covered in the charts and tables above.

• It is possible to save up to $170 per year simply by quoting online in advance
• Consumers who may need increased levels of liability coverage will pay an extra $460 annually to increase from a 30/60 limit to a 250/500 level
• Drivers age 20 and younger are expensive to insure, possibly costing $433 each month if comprehensive and collision insurance is included
• Drivers that have major violations or accidents may pay on average $1,610 more every year to buy Kia Sorento insurance

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.