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.

U.S. average insurance prices for a Kia Sorento are $1,386 every 12 months including full coverage. Comprehensive insurance costs around $294, collision costs $536, and liability insurance is estimated at $398. Liability-only insurance costs approximately $460 a year, with high-risk driver insurance costing $3,002 or more. Teenage drivers pay the highest rates at $5,176 a year or more.

Average premium for full coverage: $1,386

Price estimates for individual coverage:

These estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different Sorento trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than densely populated cities.

The price range example below illustrates how where you live affects auto insurance rates.

The ranges above highlight why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, rather than relying on average rates.

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

More Rate Details

The chart below breaks down estimated Kia Sorento insurance rates for additional coverage choices and driver risks.

• The best discount rate is $798
• Choosing higher $1,000 deductibles can save about $188 every year
• The average price for the average middle-age driver using $500 deductibles is $1,386
• Using more expensive low deductibles for comp and collision coverage costs an extra $368 a year
• High-risk insureds who are prone to accidents and violations could pay at least $3,002 or more
• The price to insure a teen driver with full coverage can be $5,176 each year

View Chart as Image

Car insurance prices for a Kia Sorento are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level and model year.

Using high physical damage deductibles can save as much as $560 each year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles could pay as little as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged as much as $5,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,600 to $2,300 extra each year, depending on your age. High-risk driver insurance ranges anywhere from 44% to 129% more than a normal policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Kia Sorento insurance rates. A good driver about age 40 could pay as low as $1,070 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,980 on average in Michigan, New York, and Louisiana.

View Chart as Image

Since prices can be so different, the best way to figure out your exact price is to compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, so rate quotes may be quite different.

How to Shop for Cheap Kia Sorento Insurance

Getting lower rates on Kia Sorento insurance takes being safe and accident-free, maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Take the time to comparison shop at least once a year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a brief summary of the primary concepts that were touched on in the above illustrations.

• You may be able to save up to $170 per year simply by shopping early and online
• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,620 more every year than a low-risk driver
• Increasing physical damage deductibles could save as much as $550 each year
• Youthful drivers are the costliest to insure, possibly costing $431 a month if the policy includes full coverage

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.