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.

Average insurance rates for a Kia Sorento are $1,386 a year with full coverage. Comprehensive insurance costs an estimated $294 each year, collision costs $536, and liability is $398. A liability-only policy costs around $460 a year, with high-risk insurance costing $3,002 or more. Teenage drivers receive the highest rates at $5,176 a year or more.

Average premium for full coverage: $1,386

Rate estimates broken down by individual coverage type:

Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and Sorento models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. More rural locations tend to have lower incidents of collision claims than densely populated cities.

The graphic below illustrates the difference location can make on insurance prices.

These examples demonstrate why all drivers should compare rates quotes for a targeted area, instead of making a decision based on average rates.

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

More Rate Information

The chart below details estimated Kia Sorento insurance rates for other coverage scenarios.

• The best discount rate is $798
• Raising to $1,000 deductibles will save approximately $188 annually
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,386
• Using low deductibles will cost an additional $368 annually
• Drivers who are prone to accidents and violations could pay up to $3,002 or more
• The cost that insures a 16-year-old driver can cost as much as $5,176

View Chart as Image

Insurance rates for a Kia Sorento can also vary considerably based on the trim level and model year, your age and driving habits, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you may be forking out $1,600 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 129% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay at least $5,100 a year. View Rates by Age

Where you live also has a big influence on Kia Sorento insurance prices. A middle-age driver might find rates as low as $1,000 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,870 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $560 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $358 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out which company is cheapest is to do a rate comparison from multiple companies. Every auto insurance company uses a different method to calculate rates, so the rates can be significantly different.

How to Find More Affordable Kia Sorento Insurance

Saving money on insurance for a Kia Sorento consists of being safe and accident-free, having above-average credit, eliminating unnecessary coverage, and taking advantage of discounts. Compare prices every other policy renewal by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a summary of the ideas that were touched on in this article.

• Youthful drivers are charged the highest rates, with premiums as much as $431 per month if full coverage is included
• Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,620 more annually than a low-risk driver
• Increasing deductibles can save approximately $550 each year
• You may be able to save approximately $170 per year simply by quoting online in advance

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.