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 rates for a Kia Sorento are $1,382 a year for full coverage. Comprehensive insurance costs on average $284 a year, collision costs $524, and liability is $416. Liability-only coverage costs around $474 a year, with high-risk coverage costing $2,996 or more. Teen drivers cost the most to insure at $5,192 a year or more.

Average premium for full coverage: $1,382

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and Sorento trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of accident claims than larger metro areas.

The diagram below illustrates how rural and urban location affects car insurance rates.

The examples above show why it is important to compare rates quotes based on a specific location, instead of making a decision based on price averages.

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

Additional Charts and Tables

The chart below shows estimated Kia Sorento insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $795
• Raising to $1,000 deductibles will save around $1,198 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,382
• Choosing low $100 deductibles will cost an additional $356 annually
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,996 or more
• Policy cost that insures a 16-year-old driver may cost $5,192

View Chart as Image

Insurance rates for a Kia Sorento also range considerably based on the trim level of your Sorento, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,600 to $2,300 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 129% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $5,100 a year. View Rates by Age

Your home state also has a big influence on Kia Sorento insurance prices. A middle-age driver might find rates as low as $910 a year in states like Idaho, Maine, and Iowa, or as much as $1,970 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can reduce rates by up to $540 annually, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $375 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know exactly what you will pay is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, and rates will be varied.

How to Find Affordable Kia Sorento Insurance

Finding cheaper rates on insurance for a Kia Sorento consists of being a good driver, having a good credit score, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Shop around every other policy renewal by getting rate quotes from direct carriers, and also from local exclusive and independent agents.

The following list is a brief review of the ideas that were raised in the charts and tables above.

• Drivers age 16 to 20 pay higher rates, costing up to $433 each month if comprehensive and collision insurance is included
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,610 more each year than a safer driver
• Increasing comprehensive and collision deductibles can save approximately $550 each year
• Drivers can save as much as $170 per year simply by quoting early and online

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.