2020 Kia Sorento Insurance Rates
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UPDATED: Apr 9, 2020
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Average insurance rates for a 2020 Kia Sorento are $1,396 a year including full coverage. Comprehensive insurance costs on average $306 a year, collision insurance costs $542, and liability costs around $390. Buying a liability-only policy costs as low as $452 a year, and high-risk insurance costs $3,014 or more. Teenage drivers receive the highest rates at up to $5,168 a year.
Annual premium for full coverage: $1,396
Rate estimates for 2020 Kia Sorento Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2020 Kia Sorento models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For the average driver, prices range range from as low as $452 for only liability insurance to a high of $3,014 for a driver that may need high-risk insurance.
These differences highlight why it is important for drivers to compare prices based on a specific location and risk profile, instead of using average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2020 Kia Sorento Insurance
Trying to find lower insurance coverage rates for your Kia Sorento? Did a good deal turn into an underperforming, overpriced insurance coverage policy? Say no more because many drivers feel the same as you.
Insurance companies such as State Farm and GEICO persitently shower you with TV and radio ads and it is difficult to see through the cute green geckos and mayhem and do the work needed to find the best deal.
You need to do price comparisons before your next renewal because insurance coverage rates are variable and change quite frequently. Despite the fact that you may have had the lowest premium rates for Sorento insurance a couple years back other companies may now be cheaper. Block out anything you think you know about insurance coverage because you’re about to learn the easiest way to save money, get proper deductibles and limits, all at the lowest rate.
If you are paying for car insurance now, you will be able to save some money using these methods. Choosing the best insurance company for you is quite easy. But drivers can benefit from knowing the methods companies use to compete online.
The best way to compare policy rates is to take advantage of the fact all the major auto insurance companies will pay a fee to compare their rates. To start a quote, the only thing you need to do is give them some information such as an estimate of your credit level, your job, if you are currently licensed, and whether or not you need a SR-22. Your insurance information is then sent to many highly-rated insurers and you will receive price estimates instantly to find the best rate.
If you would like to compare rates now, click here and complete the form.
Which policy gives me the best coverage?
When it comes to buying coverage, there really is no single plan that fits everyone. Every situation is different so your insurance needs to address that. For instance, these questions can help discover whether you could use an agent’s help.
- Am I better off with higher deductibles on my 2020 Kia Sorento?
- When do I need to add a new car to my policy?
- Does coverage extend to my business vehicle?
- When should I drop full coverage on my 2020 Kia Sorento?
- Do I need an umbrella policy?
- Can I rate high risk drivers on liability-only vehicles?
If you can’t answer these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete your zip code.
Insurance coverage considerations
Learning about specific coverages of your insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are the normal coverages found on the average insurance policy.
Comprehensive auto coverage
Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like vandalism, damage from a tornado or hurricane, damage from flooding and fire damage. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Kia Sorento.
Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Coverage for collisions
Collision coverage will pay to fix damage to your Sorento resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as hitting a parking meter, rolling your car, sustaining damage from a pot hole, hitting a mailbox and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.
Liability coverage protects you from damages or injuries you inflict on a person or their property that is your fault. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.
Liability can pay for things like loss of income, medical services, attorney fees, medical expenses and funeral expenses. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.
Medical payments and PIP coverage
Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like funeral costs, X-ray expenses and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage
Rates by U.S. City
|New York City, NY||$2,205|
|Los Angeles, CA||$2,385|
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$103|
|5-yr Claim Free||$90|
|Paid in Full/EFT||$64|
Discounts are estimated and may not be available from every company or in every state.