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

Average premium for full coverage: $1,386

Price estimates for individual coverage:

Rate estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for different Sorento trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Areas with sparse population have fewer physical damage claims than densely populated cities. The price range example below illustrates how geographic area affects auto insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, instead of using average rates.

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

More Rate Information

The chart below illustrates average Kia Sorento insurance rates for additional coverage choices and driver risks.

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

View Chart as Image

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

An older driver with a good driving record and high physical damage deductibles may pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay as much as $5,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at least $1,600 to $2,300 in extra premium each year, depending on your age. High-risk driver insurance can be as much as 44% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $560 every year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $358 extra every year. View Rates by Deductible or Liability Limit

The state you live in 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 Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,870 on average in Michigan, New York, and Florida.

View Chart as Image

How to Buy the Best Kia Sorento Insurance

Getting lower rates on car insurance requires being a safe and courteous driver, having above-average credit, not filing small claims, and possibly raising deductibles. Invest the time to compare rates every other policy renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a brief recap of the ideas that were presented in the illustrations above.

• Teenage drivers are expensive to insure, as much as $431 a month if full coverage is included
• Higher risk drivers who tend to receive serious violations pay on average $1,620 more every year for auto insurance
• Increasing physical damage deductibles could save up to $550 each year
• It is possible to save up to $170 per year just by shopping early and online

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.