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 $1,386 a year for full coverage. Comprehensive costs on average $294, collision costs $536, and liability coverage costs around $398. A liability-only policy costs as low as $460 a year, with high-risk insurance costing around $3,002. Teens pay the most at $5,176 a year or more.

Average premium for full coverage: $1,386

Premium estimates by type of coverage:

Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all states and for different Sorento trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion.

The price range example below illustrates the difference location can make on car insurance rates.

These rate differences show why anyone shopping for car insurance should compare prices based on a specific location and risk profile, rather than using averaged prices.

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

Rates by State, City, and Model

The chart below shows estimated Kia Sorento insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $798
• Using higher $1,000 deductibles will save around $188 a year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,386
• Selecting more expensive low deductibles for physical damage coverage will increase the cost to $1,754
• Higher-risk drivers with serious driving violations could pay upwards of $3,002 or more
• An auto insurance policy for full coverage for a teenage driver with full coverage may cost $5,176 or more

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 policy deductibles and limits.

An older driver with a good driving record and high deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay upwards of $5,100 a year. View Rates by Age

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 $920 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,980 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $560 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $358 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 a minimum $1,600 to $2,300 in extra premium annually, depending on your age. High-risk driver insurance can be around 44% to 129% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the only way to know exactly what you will pay is to compare prices and see how they stack up. Each insurance company calculates prices differently, 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 requires avoiding accidents and violations, having good credit, not filing small claims, and taking advantage of discounts. Make time to compare rates at every other renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

The list below is a quick review of the concepts that were touched on in this article.

• Drivers with a DUI or reckless driving violation will pay on average $1,620 more each year for car insurance
• Teenagers are charged the highest prices, as much as $431 per month if they have full coverage
• Drivers can save as much as $170 per year simply by shopping early and online
• Increasing policy deductibles can save around $550 each year
• Drivers can save as much as $170 per year simply 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.