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.

Average auto insurance rates for a Kia Sorento are $1,386 annually for full coverage insurance. Comprehensive insurance costs approximately $294 a year, collision insurance costs $536, and liability insurance is $398. A liability-only policy costs around $460 a year, and high-risk insurance costs $3,002 or more. Teenage drivers receive the highest rates at up to $5,176 a year.

Average premium for full coverage: $1,386

Rate estimates by individual coverage type:

Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and Sorento trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations tend to have fewer physical damage claims than densely populated cities. The diagram below illustrates the difference location can make on auto insurance prices.

These examples illustrate why it is important to compare rates quotes using their specific location and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Analysis

The chart below illustrates average Kia Sorento insurance rates for additional coverage and risk scenarios.

• The best discount rate is $798
• Raising to $1,000 deductibles will save $1,198 each year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,386
• Using low $100 deductibles costs an additional $368 a year
• Higher-risk drivers who are prone to accidents and violations could pay around $3,002
• The cost with full coverage for a teen driver can cost $5,176

View Chart as Image

Insurance rates for a Kia Sorento can also vary considerably based on the trim level of your Sorento, your risk profile, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,600 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $560 each year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 more per year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Kia Sorento insurance rates. A middle-age driver might find rates as low as $910 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,870 on average in Florida, New York, and Michigan.

View Chart as Image

How to Buy the Best Kia Sorento Insurance

Saving money on Kia Sorento insurance consists of avoiding accidents and violations, having a good credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Make time to compare rates at least once a year by requesting rates from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The list below is a brief recap of the primary concepts that were touched on in this article.

• It is possible to save around $170 per year just by quoting early and online
• High-risk drivers who tend to receive serious violations could be forced to pay on average $1,620 more per year for car insurance
• Increasing deductibles could save up to $550 each year
• Teenagers are expensive to insure, costing up to $431 per month including comprehensive and collision 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.