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 for full coverage insurance. Comprehensive costs an estimated $284, collision costs $524, and liability is $416. A policy with just liability insurance costs around $474 a year, with coverage 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 broken down by individual coverage:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for different Sorento trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations have fewer physical damage claims than larger metro areas.

The price range example below illustrates how location helps determine insurance prices.

The ranges above illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, instead of using price averages.

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

Rates by State, City, and Model

The chart below illustrates estimated Kia Sorento insurance rates for other coverage scenarios.

• The lowest rate with discounts is $795
• Raising to $1,000 deductibles will save approximately $184 each year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,382
• Choosing more expensive low deductibles will cost $1,738
• At-risk drivers with multiple violations and an at-fault accident could pay up to $2,996 or more
• The price with full coverage for a teen driver with full coverage can cost as much as $5,192

View Chart as Image

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

An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay at least $5,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying $1,600 to $2,300 extra each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $540 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $375 more per year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Kia Sorento insurance prices. A middle-age driver might find prices as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,870 on average in Florida, New York, and Michigan.

View Chart as Image

Since prices can be so different, the only way to figure out which car insurance is cheapest is to compare prices and see which company has the best price. Every auto insurance company uses a different rate calculation, so the prices may be quite different between companies.

How to Buy Affordable Kia Sorento Insurance

Getting lower rates on car insurance consists of being safe and accident-free, having a good credit history, not filing small claims, and taking advantage of discounts. Invest time comparing rates every time your policy renews by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a brief review of the information covered in the charts and tables above.

• It is possible to save approximately $170 per year simply by shopping early and online
• Youthful drivers are charged the highest prices, as much as $433 a month including comprehensive and collision insurance
• Increasing physical damage deductibles could save up to $550 each year
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,610 more annually than a low-risk driver
• Policyholders who want more liability protection will pay about $460 annually to raise from a low limit to higher 250/500 limits

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.