Kia Sorento Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 30, 2024
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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 auto insurance rates for a Kia Sorento are $1,386 annually for full coverage insurance. Comprehensive costs approximately $294, collision insurance costs $536, and liability is $398. Liability-only insurance costs around $460 a year, and high-risk driver insurance costs around $3,002. 16-year-old drivers pay the most at up to $5,176 a year.
Average premium for full coverage: $1,386
Premium estimates by type of coverage:
These estimates include $500 deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for different Sorento trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Kia Sorento range from as cheap as $460 for minimum levels of liability insurance to a much higher rate of $3,002 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than congested cities. The price range example below illustrates how geographic area affects auto insurance prices.
These rate differences illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on rate 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.
Additional Rate Details
The chart below illustrates average Kia Sorento insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $798
- Raising to $1,000 deductibles will save $188 each year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,386
- Buying more expensive low deductibles will cost $1,754
- Drivers with multiple tickets or accidents could pay around $3,002
- An auto insurance policy with full coverage for a 16-year-old driver with full coverage can cost $5,176
Insurance prices for a Kia Sorento also have a wide range based on the model of your Sorento, your risk profile, and physical damage deductibles and liability limits.
An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,600 to $2,300 additional annually, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 129% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $560 annually, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $358 more each year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Kia Sorento insurance prices. A middle-age driver might find prices as low as $910 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,870 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,254 | -$132 | -9.5% |
| Alaska | $1,066 | -$320 | -23.1% |
| Arizona | $1,152 | -$234 | -16.9% |
| Arkansas | $1,386 | -$0 | 0.0% |
| California | $1,582 | $196 | 14.1% |
| Colorado | $1,324 | -$62 | -4.5% |
| Connecticut | $1,428 | $42 | 3.0% |
| Delaware | $1,570 | $184 | 13.3% |
| Florida | $1,736 | $350 | 25.3% |
| Georgia | $1,282 | -$104 | -7.5% |
| Hawaii | $998 | -$388 | -28.0% |
| Idaho | $940 | -$446 | -32.2% |
| Illinois | $1,036 | -$350 | -25.3% |
| Indiana | $1,044 | -$342 | -24.7% |
| Iowa | $936 | -$450 | -32.5% |
| Kansas | $1,320 | -$66 | -4.8% |
| Kentucky | $1,894 | $508 | 36.7% |
| Louisiana | $2,054 | $668 | 48.2% |
| Maine | $858 | -$528 | -38.1% |
| Maryland | $1,142 | -$244 | -17.6% |
| Massachusetts | $1,110 | -$276 | -19.9% |
| Michigan | $2,410 | $1,024 | 73.9% |
| Minnesota | $1,162 | -$224 | -16.2% |
| Mississippi | $1,662 | $276 | 19.9% |
| Missouri | $1,232 | -$154 | -11.1% |
| Montana | $1,490 | $104 | 7.5% |
| Nebraska | $1,094 | -$292 | -21.1% |
| Nevada | $1,664 | $278 | 20.1% |
| New Hampshire | $1,000 | -$386 | -27.8% |
| New Jersey | $1,552 | $166 | 12.0% |
| New Mexico | $1,230 | -$156 | -11.3% |
| New York | $1,462 | $76 | 5.5% |
| North Carolina | $800 | -$586 | -42.3% |
| North Dakota | $1,136 | -$250 | -18.0% |
| Ohio | $958 | -$428 | -30.9% |
| Oklahoma | $1,426 | $40 | 2.9% |
| Oregon | $1,272 | -$114 | -8.2% |
| Pennsylvania | $1,324 | -$62 | -4.5% |
| Rhode Island | $1,852 | $466 | 33.6% |
| South Carolina | $1,258 | -$128 | -9.2% |
| South Dakota | $1,170 | -$216 | -15.6% |
| Tennessee | $1,216 | -$170 | -12.3% |
| Texas | $1,672 | $286 | 20.6% |
| Utah | $1,028 | -$358 | -25.8% |
| Vermont | $950 | -$436 | -31.5% |
| Virginia | $830 | -$556 | -40.1% |
| Washington | $1,074 | -$312 | -22.5% |
| West Virginia | $1,272 | -$114 | -8.2% |
| Wisconsin | $962 | -$424 | -30.6% |
| Wyoming | $1,236 | -$150 | -10.8% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Kia Sorento | $306 | $542 | $390 | $1,396 |
| 2023 Kia Sorento | $294 | $536 | $398 | $1,386 |
| 2022 Kia Sorento | $284 | $524 | $416 | $1,382 |
| 2021 Kia Sorento | $274 | $502 | $430 | $1,364 |
| 2020 Kia Sorento | $260 | $484 | $442 | $1,344 |
| 2019 Kia Sorento | $250 | $450 | $452 | $1,310 |
| 2018 Kia Sorento | $240 | $424 | $456 | $1,278 |
| 2017 Kia Sorento | $230 | $380 | $460 | $1,228 |
| 2016 Kia Sorento | $214 | $350 | $460 | $1,182 |
| 2015 Kia Sorento | $206 | $328 | $464 | $1,156 |
| 2014 Kia Sorento | $202 | $306 | $474 | $1,140 |
| 2013 Kia Sorento | $186 | $284 | $474 | $1,102 |
| 2012 Kia Sorento | $182 | $258 | $478 | $1,076 |
| 2011 Kia Sorento | $170 | $236 | $474 | $1,038 |
| 2008 Kia Sorento | $152 | $188 | $460 | $958 |
| 2007 Kia Sorento | $150 | $178 | $452 | $938 |
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 Buy Cheap Kia Sorento Insurance
Finding better rates on insurance for a Kia Sorento consists of not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest the time to compare rates once a year by requesting quotes from direct insurance companies, and also from insurance agencies where you live.
The following is a brief summary of the data that was presented in the illustrations above.
- It is possible to save around $170 per year just by shopping early and online
- Insureds who purchase higher liability limits will pay around $440 annually to raise from 30/60 bodily injury limits to higher 250/500 limits
- Teens are the costliest to insure, with premiums being up to $431 per month if they have full coverage
- Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,620 more per 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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,176 |
| 20 | $3,208 |
| 30 | $1,450 |
| 40 | $1,386 |
| 50 | $1,268 |
| 60 | $1,244 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,754 |
| $250 | $1,584 |
| $500 | $1,386 |
| $1,000 | $1,198 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,386 |
| 50/100 | $1,466 |
| 100/300 | $1,565 |
| 250/500 | $1,824 |
| 100 CSL | $1,505 |
| 300 CSL | $1,724 |
| 500 CSL | $1,884 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,382 |
| 20 | $5,098 |
| 30 | $3,068 |
| 40 | $3,002 |
| 50 | $2,864 |
| 60 | $2,840 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $74 |
| Multi-vehicle | $72 |
| Homeowner | $20 |
| 5-yr Accident Free | $102 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $64 |
| Advance Quote | $69 |
| Online Quote | $98 |
| Total Discounts | $588 |
Discounts are estimated and may not be available from every company or in every state.
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