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 auto insurance rates for a Kia Sorento are $1,382 annually including full coverage. Comprehensive costs approximately $284, collision costs $524, and liability coverage costs around $416. Buying just liability costs as low as $474 a year, with insurance for high-risk drivers costing around $2,996. Teen drivers pay the highest rates at $5,192 a year or more.

Average premium for full coverage: $1,382

Price estimates by individual coverage:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Sorento models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance prices. Rural locations have fewer comprehensive and collision claims than larger metro areas.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above highlight why everyone should compare prices using their specific location and their own personal driving habits, rather than using price averages.

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

Additional Charts and Tables

The chart below breaks down estimated Kia Sorento insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $795
• Using higher $1,000 deductibles will save $184 every year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,382
• Choosing pricier low deductibles for physical damage coverage will cost $1,738
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,996 or more
• The price with full coverage for a teenage driver for full coverage can cost $5,192 or more

View Chart as Image

Insurance prices for a Kia Sorento are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,300 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,600 to $2,300 additional each year, depending on your age. Kia Sorento insurance for high-risk drivers can be around 44% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $540 a year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $375 more each year. View Rates by Deductible or Liability Limit

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

View Chart as Image

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to regularly compare prices and see how they stack up. Each insurance company uses a different rate calculation, and prices may be quite different between companies.

How to Buy Low Cost Kia Sorento Insurance

Getting lower rates on auto insurance requires avoiding accidents and claims, having good credit, being claim-free, and qualifying for all possible discounts. Set aside time to compare rates every other policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The points below are a review of the ideas that were covered above.

• Drivers under the age of 20 are the costliest to insure, possibly costing $433 a month if they have full coverage
• Drivers who have several accidents or serious violations may have to pay on average $1,610 more per year to insure a Kia Sorento
• Increasing physical damage deductibles could save up to $550 each year
• You may be able to save around $170 per year simply by quoting online well ahead of the renewal date

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.