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 prices for a Kia Sorento are $1,382 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $284, collision costs $524, and liability insurance costs around $416. Liability-only insurance costs as low as $474 a year, with high-risk driver insurance costing $2,996 or more. Teenage drivers pay the most at $5,192 a year or more.

Average premium for full coverage: $1,382

Premium estimates by type of coverage:

Full coverage includes $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for all Sorento models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities.

The example below illustrates how location impacts auto insurance prices.

These rate differences illustrate why everyone should compare prices using their specific location and their own driving history, rather than relying on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $795
• Using higher $1,000 deductibles will save $184 each year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,382
• Using pricier low deductibles for physical damage coverage costs an extra $356 a year
• Drivers who are prone to accidents and violations could pay around $2,996 or more
• An auto insurance policy to insure a teen driver for full coverage can cost $5,192 or more

View Chart as Image

Insurance prices for a Kia Sorento also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your Sorento.

Using high physical damage deductibles could cut prices by as much as $540 each year, whereas buying more liability protection will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $375 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers 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 were responsible for an accident, you are probably paying anywhere from $1,600 to $2,300 additional annually, depending on your age. Kia Sorento insurance for high-risk drivers can be anywhere from 44% to 129% more than a normal policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Kia Sorento insurance rates. A driver around age 40 might see prices as low as $900 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

With such a large range in prices, the only way to figure out who has the best car insurance prices is to regularly compare prices from as many companies as possible. Each insurance company uses a different method to calculate prices, and prices will be substantially different.

How to Shop for More Affordable Kia Sorento Insurance

Finding better rates on Kia Sorento insurance requires being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Spend time shopping around at every policy renewal by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The items below are a summary of the data touched on above.

• Drivers who purchase more liability coverage will pay an extra $460 annually to increase from 30/60 bodily injury limits to a 250/500 level
• It is possible to save around $170 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save as much as $550 each year
• Teen drivers are the costliest to insure, with premiums being up to $433 per month if full coverage is included

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.