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.

Estimated insurance rates for a Kia Sorento are $1,382 a year for full coverage. Comprehensive insurance costs around $284, collision costs $524, and liability coverage is $416. A liability-only policy costs around $474 a year, with high-risk insurance costing $2,996 or more. 16-year-old drivers pay the most at $5,192 a year or more.

Average premium for full coverage: $1,382

Premium estimates for type of coverage:

Rates are based on $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for all Sorento models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than congested cities.

The example below illustrates how location impacts auto insurance rates.

These rate differences show why everyone should compare rates quotes for a specific zip code and risk profile, rather than using rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $795
• Raising to $1,000 deductibles will save about $184 a year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,382
• Buying pricier low deductibles will cost an extra $356 each year
• Unlucky drivers with multiple tickets or accidents could pay at least $2,996 or more
• An auto insurance policy for full coverage for a teenage driver for full coverage can be $5,192

View Chart as Image

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

A more mature driver with a good driving record and high deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay as much as $5,100 a year. View Rates by Age

Where you choose to live also has a big influence on Kia Sorento insurance rates. A middle-age driver might find prices as low as $910 a year in states like Idaho, Maine, and Iowa, or at least $1,970 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $540 a year, whereas buying more liability protection will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $375 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at least $1,600 to $2,300 in extra premium annually, depending on your age. Kia Sorento insurance for high-risk drivers is expensive and can cost around 44% to 129% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the only way to know your exact price is to regularly compare prices and see how they stack up. Every auto insurance company utilizes a different rate formula, and quoted prices will be substantially different from one company to the next.

How to Find the Best Cheap Kia Sorento Insurance

Finding better rates on auto insurance consists of being a low-risk driver, having good credit, not filing small claims, and maximizing policy discounts. Spend time shopping around every couple of years by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The items below are a quick review of the material that was touched on above.

• Consumers who may need more liability coverage will pay around $460 each year to raise from 30/60 bodily injury limits to 250/500 limits
• Teen drivers are expensive to insure, as much as $433 per month if they have full coverage
• Drivers with a DUI or reckless driving violation may be required to pay an average of $1,610 more every year to insure their Sorento
• Increasing policy deductibles can save around $550 each year

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.