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 insurance rates for a Kia Sorento are $1,382 a year including full coverage. Comprehensive insurance costs approximately $284 a year, collision costs $524, and liability is $416. Liability-only coverage costs around $474 a year, with high-risk coverage costing $2,996 or more. Teen 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:

Price estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Sorento trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how geographic area affects auto insurance prices.

The examples above highlight why it is important to compare rates quotes using their specific location, instead of 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
• Raising to $1,000 deductibles will save $1,198 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,382
• Choosing low $100 deductibles will cost an additional $356 every year
• At-risk drivers with multiple violations and an at-fault accident could pay around $2,996 or more
• Policy cost that insures a teen driver can cost $5,192

View Chart as Image

Insurance rates for a Kia Sorento also range considerably based on the trim level of your Sorento, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,600 to $2,300 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 129% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age

Your home state also has a big influence on Kia Sorento insurance prices. A middle-age driver might find rates 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

Choosing high deductibles can reduce rates by up to $540 every year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $375 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes and see which company has the best rate. Every auto insurance company uses a different rate calculation, and rates will be varied.

How to Find Cheaper Kia Sorento Insurance

Finding cheaper rates on car insurance consists of not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Shop around at every other renewal by getting quotes from direct car insurance companies, and also from local auto insurance providers.

The following is a condensed summary of the concepts that were presented in the illustrations above.

• Higher risk drivers with multiple at-fault accidents will likely pay on average $1,610 more per year for Sorento insurance
• Teens are the costliest to insure, with premiums being up to $433 each month if comprehensive and collision insurance is included
• You may be able to save around $170 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $550 each year
• You may be able to save around $170 per year simply by quoting early and online

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.