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 with full coverage. Comprehensive costs approximately $284 each year, collision insurance costs $524, and liability insurance is $416. A liability-only policy costs around $474 a year, and high-risk insurance costs around $2,996. 16-year-old drivers cost the most to insure at up to $5,192 a year.

Average premium for full coverage: $1,382

Policy rates by type of insurance:

Includes $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and Sorento models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Rural locations are shown to have fewer collision claims than congested cities. The graphic below illustrates how location helps determine auto insurance prices.

The examples above demonstrate why all drivers should compare rates quotes using their 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.

Additional Charts and Tables

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

• The best full coverage rate is $795
• Raising to $1,000 deductibles will save $184 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,382
• Buying low deductibles will cost $1,738
• Higher-risk drivers with multiple tickets or accidents could pay around $2,996
• Policy cost with full coverage for a teen driver can cost $5,192

View Chart as Image

Car insurance rates for a Kia Sorento also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged in the ballpark 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 may be forking out anywhere from $1,600 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 129% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $540 each year, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $375 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Kia Sorento insurance rates. A middle-age driver might find rates as low as $1,000 a year in states like Utah, Ohio, and New Hampshire, or at least $1,870 on average in New York, Michigan, and Florida.

View Chart as Image

How to Buy the Cheapest Kia Sorento Insurance

Finding cheaper rates on Kia Sorento insurance consists of being safe and accident-free, having a good credit score, not filing small claims, and attention to physical damage deductibles. Invest time comparing rates at every policy renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a recap of the data covered in the charts and tables above.

• Drivers who purchase more liability protection will pay around $460 every year to raise from a 30/60 limit to higher 250/500 limits
• You may be able to save around $170 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $550 each year
• Youthful drivers pay the highest auto insurance rates, as much as $433 each month if comprehensive and collision insurance 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.

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.