Kia Sorento Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 30, 2024
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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 $1,382 a year for full coverage. Comprehensive costs approximately $284 each year, collision insurance costs $524, and liability insurance is estimated at $416. Liability-only insurance costs approximately $474 a year, and high-risk driver insurance costs around $2,996. 16-year-old drivers pay the highest rates at up to $5,192 a year.
Average premium for full coverage: $1,382
Price estimates by individual coverage:
Prices include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and Sorento models.
Price Range from Low to High
Using a middle-aged driver as an example, Kia Sorento insurance prices range from as low as $474 for minimum levels of liability insurance to a high rate of $2,996 for a driver required to buy high-risk insurance.
Geographic Price Range
Living in a larger city has a significant impact on car insurance rates. Rural locations have a lower frequency of accident claims than congested cities. The graphic below illustrates how where you live affects auto insurance prices.
The ranges above show why all drivers should get quotes using their specific location and risk profile, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below shows average Kia Sorento insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $795
- Choosing higher $1,000 deductibles can save $184 a year
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,382
- Buying low deductibles for comp and collision coverage will increase the cost to $1,738
- High-risk insureds with multiple tickets or accidents could pay around $2,996
- The price for full coverage for a teen driver can cost $5,192 each year
Car insurance prices for a Kia Sorento are also quite variable based on your driving record, the trim level of your Sorento, and physical damage deductibles and liability limits.
More mature drivers with no driving violations and high deductibles could pay as little as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged 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 rates. A good driver about age 40 could pay as low as $910 a year in states like Iowa, Maine, and Idaho, or at least $1,970 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,250 | -$132 | -9.6% |
| Alaska | $1,062 | -$320 | -23.2% |
| Arizona | $1,148 | -$234 | -16.9% |
| Arkansas | $1,382 | -$0 | 0.0% |
| California | $1,574 | $192 | 13.9% |
| Colorado | $1,322 | -$60 | -4.3% |
| Connecticut | $1,422 | $40 | 2.9% |
| Delaware | $1,564 | $182 | 13.2% |
| Florida | $1,730 | $348 | 25.2% |
| Georgia | $1,276 | -$106 | -7.7% |
| Hawaii | $992 | -$390 | -28.2% |
| Idaho | $934 | -$448 | -32.4% |
| Illinois | $1,030 | -$352 | -25.5% |
| Indiana | $1,040 | -$342 | -24.7% |
| Iowa | $934 | -$448 | -32.4% |
| Kansas | $1,316 | -$66 | -4.8% |
| Kentucky | $1,886 | $504 | 36.5% |
| Louisiana | $2,046 | $664 | 48.0% |
| Maine | $852 | -$530 | -38.4% |
| Maryland | $1,140 | -$242 | -17.5% |
| Massachusetts | $1,106 | -$276 | -20.0% |
| Michigan | $2,402 | $1,020 | 73.8% |
| Minnesota | $1,156 | -$226 | -16.4% |
| Mississippi | $1,656 | $274 | 19.8% |
| Missouri | $1,226 | -$156 | -11.3% |
| Montana | $1,486 | $104 | 7.5% |
| Nebraska | $1,090 | -$292 | -21.1% |
| Nevada | $1,656 | $274 | 19.8% |
| New Hampshire | $996 | -$386 | -27.9% |
| New Jersey | $1,544 | $162 | 11.7% |
| New Mexico | $1,224 | -$158 | -11.4% |
| New York | $1,458 | $76 | 5.5% |
| North Carolina | $798 | -$584 | -42.3% |
| North Dakota | $1,130 | -$252 | -18.2% |
| Ohio | $956 | -$426 | -30.8% |
| Oklahoma | $1,420 | $38 | 2.7% |
| Oregon | $1,266 | -$116 | -8.4% |
| Pennsylvania | $1,318 | -$64 | -4.6% |
| Rhode Island | $1,842 | $460 | 33.3% |
| South Carolina | $1,252 | -$130 | -9.4% |
| South Dakota | $1,168 | -$214 | -15.5% |
| Tennessee | $1,210 | -$172 | -12.4% |
| Texas | $1,666 | $284 | 20.5% |
| Utah | $1,024 | -$358 | -25.9% |
| Vermont | $946 | -$436 | -31.5% |
| Virginia | $828 | -$554 | -40.1% |
| Washington | $1,070 | -$312 | -22.6% |
| West Virginia | $1,266 | -$116 | -8.4% |
| Wisconsin | $956 | -$426 | -30.8% |
| Wyoming | $1,232 | -$150 | -10.9% |
Opting for high physical damage deductibles can save as much as $540 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $375 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,600 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 129% more than the average rate. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Kia Sorento | $294 | $536 | $398 | $1,386 |
| 2023 Kia Sorento | $284 | $524 | $416 | $1,382 |
| 2022 Kia Sorento | $274 | $502 | $430 | $1,364 |
| 2021 Kia Sorento | $260 | $484 | $442 | $1,344 |
| 2020 Kia Sorento | $250 | $450 | $452 | $1,310 |
| 2019 Kia Sorento | $240 | $424 | $456 | $1,278 |
| 2018 Kia Sorento | $230 | $380 | $460 | $1,228 |
| 2017 Kia Sorento | $214 | $350 | $460 | $1,182 |
| 2016 Kia Sorento | $206 | $328 | $464 | $1,156 |
| 2015 Kia Sorento | $202 | $306 | $474 | $1,140 |
| 2014 Kia Sorento | $186 | $284 | $474 | $1,102 |
| 2013 Kia Sorento | $182 | $258 | $478 | $1,076 |
| 2012 Kia Sorento | $170 | $236 | $474 | $1,038 |
| 2011 Kia Sorento | $160 | $214 | $474 | $1,006 |
| 2008 Kia Sorento | $150 | $178 | $452 | $938 |
| 2007 Kia Sorento | $138 | $170 | $446 | $912 |
Rates are averaged for all Kia Sorento models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Right Kia Sorento Insurance
Getting lower rates on Kia Sorento insurance takes having a decent driving record, having above-average credit, eliminating unnecessary coverage, and attention to physical damage deductibles. Take the time to comparison shop at every policy renewal by getting rate quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
The following items are a quick rundown of the data touched on in the above illustrations.
- Drivers who purchase additional liability coverage will pay around $460 each year to raise limits from a low limit to 250/500 limits
- Drivers can save around $170 per year just by quoting online in advance
- Increasing physical damage deductibles can save around $550 each year
- 16 to 18-year-old drivers pay the highest auto insurance prices, with premiums as much as $433 a month if full coverage is included
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.
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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:
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,192 |
| 20 | $3,198 |
| 30 | $1,440 |
| 40 | $1,382 |
| 50 | $1,264 |
| 60 | $1,240 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,738 |
| $250 | $1,574 |
| $500 | $1,382 |
| $1,000 | $1,198 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,382 |
| 50/100 | $1,465 |
| 100/300 | $1,569 |
| 250/500 | $1,840 |
| 100 CSL | $1,507 |
| 300 CSL | $1,736 |
| 500 CSL | $1,902 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,402 |
| 20 | $5,090 |
| 30 | $3,060 |
| 40 | $2,996 |
| 50 | $2,860 |
| 60 | $2,834 |
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.
| Discount | Savings |
|---|---|
| Multi-policy | $73 |
| Multi-vehicle | $73 |
| Homeowner | $21 |
| 5-yr Accident Free | $102 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $63 |
| Advance Quote | $68 |
| Online Quote | $98 |
| Total Discounts | $587 |
Discounts are estimated and may not be available from every company or in every state.
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