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.

U.S. average insurance rates for a Kia Sorento are $1,386 a year with full coverage. Comprehensive insurance costs approximately $294, collision insurance costs $536, and liability is estimated at $398. A policy with just liability insurance costs approximately $460 a year, and coverage for high-risk drivers costs $3,002 or more. Teenage drivers pay the highest rates at up to $5,176 a year.

Average premium for full coverage: $1,386

Price estimates by individual coverage:

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for all Sorento models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on the price of insurance. Rural locations have lower incidents of collision claims than densely populated cities. The example below illustrates how rural and urban location affects auto insurance prices.

The ranges above demonstrate why everyone should get quotes using their specific location, instead of making a decision based on average rates.

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

Detailed Rate Analysis

The chart below details average Kia Sorento insurance rates for additional coverage and risk scenarios.

• The best discount rate is $798
• Choosing higher $1,000 deductibles can save $188 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,386
• Using pricier low deductibles for comp and collision coverage will cost an additional $368 annually
• Higher-risk drivers who are prone to accidents and violations could pay around $3,002
• The price that insures a 16-year-old driver for full coverage can cost $5,176 each year

View Chart as Image

Insurance prices for a Kia Sorento are also quite variable based on the model of your Sorento, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,600 to $2,300 extra each year, depending on your age. Kia Sorento insurance for high-risk drivers ranges from 44% to 129% more than a normal policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,100 a year. View Rates by Age

The state you live in plays a big part in determining prices for Kia Sorento insurance prices. A good driver about age 40 could pay 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 save as much as $560 annually, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit

How to Find Affordable Kia Sorento Insurance

Getting lower rates on insurance for a Kia Sorento takes avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Compare prices every couple of years by requesting quotes from direct companies, and also from local insurance agencies.

The list below is a brief review of the material that was raised in the charts and tables above.

• Insureds who purchase higher liability limits will pay an extra $440 every year to raise limits from a low limit to the 250/500 level
• Teenagers are expensive to insure, costing up to $431 a month if full coverage is included
• Drivers considered higher risk with DUI or reckless driving convictions may have to pay on average $1,620 more per year for car insurance
• Increasing physical damage deductibles can save approximately $550 each year

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.