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.

Average insurance prices for a Kia Sorento are $1,382 every 12 months with full coverage. Comprehensive costs around $284, collision costs $524, and liability insurance costs around $416. Buying just liability costs as low as $474 a year, with insurance for high-risk drivers costing around $2,996. 16-year-old drivers receive the highest rates at $5,192 a year or more.

Average premium for full coverage: $1,382

Rate estimates for individual coverage type:

Estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different Sorento trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on insurance rates. Areas with sparse population tend to have more infrequent collision claims than congested cities.

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

These examples demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, rather than relying on rate averages.

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

More Rate Details

The chart below details estimated Kia Sorento insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $795
• Using higher $1,000 deductibles will save about $184 annually
• The average price for a 40-year-old driver using $500 deductibles is $1,382
• Buying more expensive low deductibles for physical damage coverage increases the price to $1,738
• Drivers with multiple tickets or accidents could pay at least $2,996 or more
• The cost to insure a teen driver with full coverage can be $5,192 or more

View Chart as Image

Auto insurance rates for a Kia Sorento can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.

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

An older driver with a good driving record and higher deductibles could pay as little as $1,300 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay as much as $5,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,600 to $2,300 in extra premium per 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

Where you live has a huge impact on Kia Sorento insurance rates. A driver around age 40 might see rates as low as $1,000 a year in states like New Hampshire, Ohio, and Utah, or at least $1,870 on average in Florida, Michigan, and New York.

View Chart as Image

With so much variability in rates, the best way to find out your exact price is to compare rates from as many companies as possible. Each insurance company utilizes a different rate formula, and quoted rates can be significantly different.

How to Shop for Low Cost Kia Sorento Insurance

Saving money on Kia Sorento insurance requires being a low-risk driver, having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Make time to compare rates every couple of years by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a review of the material that was touched on in this article.

• Drivers who may need more liability coverage will pay around $460 every year to increase from a minimum limit to a 250/500 level
• Teen drivers are expensive to insure, with premiums as much as $433 per month if comprehensive and collision insurance is included
• High-risk drivers who have several accidents or serious violations pay on average $1,610 more every year to insure their Sorento
• Increasing deductibles could save as much as $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.