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 auto insurance rates for a Kia Sorento are $1,382 annually including full coverage. Comprehensive costs on average $284, collision costs $524, and liability insurance costs around $416. Liability-only coverage costs as low as $474 a year, with high-risk coverage costing around $2,996. 16-year-old drivers cost the most to insure at $5,192 a year or more.

Average premium for full coverage: $1,382

Policy rates by type of insurance:

Estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different Sorento trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than congested cities.

The price range example below illustrates the effect of geographic area on car insurance rates.

The examples above highlight why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, rather than relying on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $795
• Using higher $1,000 deductibles will save around $184 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,382
• Buying more expensive low deductibles for physical damage coverage will cost $1,738
• Drivers with multiple tickets or accidents could pay upwards of $2,996 or more
• Policy cost with full coverage for a teen driver with full coverage may cost $5,192 or more

View Chart as Image

Insurance rates for a Kia Sorento also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.

An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $5,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,600 to $2,300 additional every year, depending on your age. High-risk driver insurance can be anywhere from 44% to 129% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $540 each year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $375 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Kia Sorento insurance rates. A driver around age 40 might see rates as low as $1,060 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,970 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates from as many companies as possible. Each insurance company utilizes a different rate formula, and rates will be varied between companies.

How to Buy Low Cost Kia Sorento Insurance

Finding cheaper rates on Kia Sorento insurance requires being a good driver, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Take the time to compare rates at every policy renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a review of the data covered in the above illustrations.

• Drivers who require an increased level of liability coverage will pay around $460 per year to increase from a 30/60 limit to higher 250/500 limits
• You may be able to save as much as $170 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $550 each year
• Drivers age 16 to 20 pay higher rates, with premiums being up to $433 each month if they have full coverage

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.