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.

The average insurance rates for a Kia Sorento are $1,386 a year for full coverage. Comprehensive insurance costs an estimated $294, collision insurance costs $536, and liability is estimated at $398. Liability-only insurance costs approximately $460 a year, and high-risk driver insurance costs $3,002 or more. 16-year-old drivers cost the most to insure at up to $5,176 a year.

Average premium for full coverage: $1,386

Policy rates broken down by type of insurance:

Estimates include $500 deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for different Sorento trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on insurance rates. More rural locations are shown to have a lower frequency of accident claims than congested cities. The price range example below illustrates the difference location can make on insurance prices.

The examples above show why anyone shopping for car insurance should get quotes for a targeted area and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Details

The chart below shows average Kia Sorento insurance rates for other coverage scenarios.

• The best full coverage rate is $798
• Choosing higher $1,000 deductibles can save approximately $188 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,386
• Buying more expensive low deductibles for comp and collision coverage will cost an extra $368 annually
• Higher-risk drivers with multiple tickets or accidents could pay up to $3,002
• Policy cost for full coverage for a 16-year-old driver with full coverage can cost as much as $5,176 each year

View Chart as Image

Auto insurance rates for a Kia Sorento also range considerably based on your risk profile, the trim level of your Sorento, and liability limits and deductibles.

An older driver with a good driving record and high deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay at least $5,100 a year. View Rates by Age

Your home state plays a big part in determining prices for Kia Sorento insurance prices. A good driver about age 40 could pay as low as $920 a year in states like Iowa, Maine, and Idaho, or at least $1,980 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $560 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $358 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,600 to $2,300 in extra premium every year, depending on your age. High-risk driver insurance ranges from 44% to 129% more than the average rate. View High Risk Driver Rates

How to Find Low Cost Kia Sorento Insurance

Finding cheaper rates on insurance for a Kia Sorento takes not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Make time to compare rates once a year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following is a review of the data that was touched on in this article.

• Drivers can save approximately $170 per year just by shopping early and online
• Insureds who want higher liability limits will pay around $440 each year to raise limits from a 30/60 limit to 250/500 limits
• Teens are the costliest to insure, costing up to $431 each month if they have full coverage
• Drivers considered higher risk who have several accidents or serious violations pay an average of $1,620 more annually for Sorento insurance

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.