Kia Sorento Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 3, 2023

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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 prices for a Kia Sorento are $894 every 12 months with full coverage. Comprehensive insurance costs on average $132 a year, collision insurance costs $162, and liability is estimated at $442. A liability-only policy costs approximately $496 a year, and high-risk insurance costs $1,918 or more. Teen drivers pay the most at up to $3,674 a year.

Average premium for full coverage: $894

Premium estimates by type of coverage:

Comprehensive $132
Collision $162
Liability $442

Price estimates include $500 deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and Sorento trim levels.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Kia Sorento range from the cheapest price of $496 for just liability coverage to a high of $1,918 for a driver that may need high-risk insurance.

Liability Only $496
Full Coverage $894
High Risk $1,918

Insurance Price Range by Location

Living in a larger city can have significant affects on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

Rural Areas $671
Small Cities $939
Large Cities $1,207

These rate differences demonstrate why it is important to get quotes based on a specific location and their own driving history, instead of using price averages.

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.

Detailed Rate Analysis

The chart below details average Kia Sorento insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $552
  • Choosing higher $1,000 deductibles can save around $826 annually
  • The average price for a 40-year-old good driver with $500 deductibles is $894
  • Choosing low $100 deductibles for comp and collision coverage costs an extra $126 every year
  • Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $1,918
  • An auto insurance policy to insure a teen driver may cost $3,674 each year

View Chart as Image

Kia Sorento insurance cost comparison chart
Column chart showing Kia Sorento insurance prices range from $552 to $3,674 for full coverage

Auto insurance prices for a Kia Sorento also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level of your Sorento.

Choosing high deductibles can save as much as $200 every year, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay upwards of $3,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at a minimum $1,100 to $1,500 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges as much as 41% to 136% more than average. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Kia Sorento insurance prices. A good driver about age 40 could pay as low as $650 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,210 on average in Florida, Michigan, and New York.

Kia Sorento Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $810 -$84 -9.4%
Alaska $688 -$206 -23.0%
Arizona $744 -$150 -16.8%
Arkansas $894 -$0 0.0%
California $1,018 $124 13.9%
Colorado $854 -$40 -4.5%
Connecticut $920 $26 2.9%
Delaware $1,012 $118 13.2%
Florida $1,120 $226 25.3%
Georgia $826 -$68 -7.6%
Hawaii $642 -$252 -28.2%
Idaho $606 -$288 -32.2%
Illinois $666 -$228 -25.5%
Indiana $674 -$220 -24.6%
Iowa $604 -$290 -32.4%
Kansas $852 -$42 -4.7%
Kentucky $1,220 $326 36.5%
Louisiana $1,326 $432 48.3%
Maine $552 -$342 -38.3%
Maryland $740 -$154 -17.2%
Massachusetts $718 -$176 -19.7%
Michigan $1,554 $660 73.8%
Minnesota $748 -$146 -16.3%
Mississippi $1,072 $178 19.9%
Missouri $794 -$100 -11.2%
Montana $962 $68 7.6%
Nebraska $706 -$188 -21.0%
Nevada $1,072 $178 19.9%
New Hampshire $644 -$250 -28.0%
New Jersey $1,000 $106 11.9%
New Mexico $792 -$102 -11.4%
New York $944 $50 5.6%
North Carolina $514 -$380 -42.5%
North Dakota $732 -$162 -18.1%
Ohio $620 -$274 -30.6%
Oklahoma $920 $26 2.9%
Oregon $820 -$74 -8.3%
Pennsylvania $854 -$40 -4.5%
Rhode Island $1,194 $300 33.6%
South Carolina $810 -$84 -9.4%
South Dakota $756 -$138 -15.4%
Tennessee $786 -$108 -12.1%
Texas $1,078 $184 20.6%
Utah $664 -$230 -25.7%
Vermont $612 -$282 -31.5%
Virginia $536 -$358 -40.0%
Washington $692 -$202 -22.6%
West Virginia $820 -$74 -8.3%
Wisconsin $620 -$274 -30.6%
Wyoming $798 -$96 -10.7%

View Chart as Image

Kia Sorento insurance rates by U.S. city
Kia Sorento Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2016 Kia Sorento $230 $380 $460 $1,228
2015 Kia Sorento $214 $350 $460 $1,182
2014 Kia Sorento $206 $328 $464 $1,156
2013 Kia Sorento $202 $306 $474 $1,140
2012 Kia Sorento $186 $284 $474 $1,102
2011 Kia Sorento $182 $258 $478 $1,076
2008 Kia Sorento $154 $192 $468 $972
2007 Kia Sorento $152 $188 $460 $958
2004 Kia Sorento $132 $162 $442 $894

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 Shop for Cheaper Kia Sorento Insurance

Finding better rates on car insurance takes not taking risks behind the wheel, having a good credit score, being claim-free, and deciding if full coverage is necessary. Set aside time to compare rates once a year by quoting rates from direct companies, and also from local exclusive and independent agents.

The following is a condensed summary of the data that was covered above.

  • You may be able to save as much as $100 per year just by quoting early and online
  • Policyholders who require higher liability limits will pay about $490 every year to raise limits from 30/60 bodily injury limits to a 250/500 level
  • Teens are charged the highest prices, possibly costing $306 per month if comprehensive and collision insurance is included
  • Higher risk drivers with multiple at-fault accidents may pay on average $1,020 more each year for 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.

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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.

Rates by Driver Age

Kia Sorento Insurance Rates by Driver Age
Driver Age Premium
16 $3,674
20 $2,044
30 $906
40 $894
50 $824
60 $806

Full coverage, $500 deductibles

Rates by Deductible

Kia Sorento Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,020
$250 $962
$500 $894
$1,000 $826

Full coverage, driver age 40

Rates by Liability Limit

Kia Sorento Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $894
50/100 $982
100/300 $1,093
250/500 $1,380
100 CSL $1,027
300 CSL $1,270
500 CSL $1,447

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Sorento Insurance Rates for High Risk Drivers
Age Premium
16 $5,152
20 $3,256
30 $1,928
40 $1,918
50 $1,836
60 $1,816

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.

SR-22 Surcharge $118

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $44
Multi-vehicle $48
Homeowner $16
5-yr Accident Free $52
5-yr Claim Free $55
Paid in Full/EFT $30
Advance Quote $38
Online Quote $59
Total Discounts $342
Rate after discounts $552

Discounts are estimated and may not be available from every company or in every state.

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