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.

Estimated auto insurance rates for a Kia Sorento are $1,382 annually for full coverage. Comprehensive costs on average $284, collision costs $524, and liability costs around $416. A policy with only liability insurance costs as low as $474 a year, with a high-risk policy costing around $2,996. Teens pay the most at $5,192 a year or more.

Average premium for full coverage: $1,382

Premium estimates by type of coverage:

Includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all states and for all Sorento models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. Rural areas are statistically proven to have fewer accident claims than cities with more traffic congestion.

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

These rate differences show why everyone should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $795
• Using higher $1,000 deductibles will save around $184 a year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,382
• Selecting pricier low deductibles for physical damage coverage will cost $1,738
• High-risk insureds with serious driving violations could pay upwards of $2,996 or more
• An auto insurance policy with full coverage for a 16-year-old driver for full coverage may cost $5,192 or more

View Chart as Image

Car insurance prices for a Kia Sorento also have a wide range based on the model of your Sorento, your driver profile, and policy deductibles and limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged upwards of $5,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,600 to $2,300 extra annually, depending on your age. Kia Sorento insurance for high-risk drivers can be from 44% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $540 annually, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $375 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Kia Sorento insurance prices. A driver around age 40 might see prices as low as $910 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,970 on average in Michigan, Louisiana, and New York.

View Chart as Image

With such a large range in prices, the only way to know exactly what you will pay is to regularly compare prices from multiple companies. Each insurance company calculates prices differently, so rate quotes will be substantially different between companies.

How to Buy the Cheapest Kia Sorento Insurance

Finding better rates on insurance for a Kia Sorento requires having a decent driving record, having a good credit score, not filing small claims, and maximizing policy discounts. Set aside time to shop around at least once a year by requesting quotes from direct carriers, and also from local insurance agents.

The following items are a recap of the primary concepts that were raised in the charts and tables above.

• Drivers can save as much as $170 per year simply by quoting online well ahead of the renewal date
• Drivers considered higher risk that have major violations or accidents may be required to pay an average of $1,610 more each year than a driver with a clean driving record
• Increasing policy deductibles could save up to $550 each year
• 16 to 18-year-old drivers are expensive to insure, as much as $433 per month if comprehensive and collision insurance is included

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.