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.

Average auto insurance rates for a Kia Sorento are $1,382 annually for full coverage insurance. Comprehensive insurance costs approximately $284, collision costs $524, and liability is estimated at $416. A liability-only policy costs approximately $474 a year, with high-risk insurance costing $2,996 or more. Teens receive the highest rates at $5,192 a year or more.

Average premium for full coverage: $1,382

Rate estimates by individual coverage type:

Full coverage includes $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for all Sorento models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on the price of auto insurance. Rural locations tend to have fewer physical damage claims than cities with more traffic congestion.

The example below illustrates how rural and urban location affects auto insurance prices.

These examples illustrate why everyone should get quotes using their specific location and their own personal driving habits, instead of using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $795
• Choosing higher $1,000 deductibles can save $184 each year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,382
• Selecting pricier low deductibles for comp and collision coverage costs an additional $356 every year
• Unlucky drivers with serious driving violations could pay around $2,996 or more
• The cost with full coverage for a teen driver for full coverage can cost $5,192 each year

View Chart as Image

Insurance rates for a Kia Sorento can also vary considerably based on the trim level of your Sorento, your risk profile, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,600 to $2,300 extra per year, depending on your age. Kia Sorento insurance for high-risk drivers ranges as much as 44% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $540 every year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $375 more per year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Kia Sorento insurance prices. A good driver about age 40 could pay as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,870 on average in Florida, New York, and Michigan.

View Chart as Image

With so much variability in rates, the only way to figure out who has the best car insurance rates is to regularly compare rates and see which company has the best rate. Each auto insurer calculates rates differently, so the rates can be significantly different between companies.

How to Buy More Affordable Kia Sorento Insurance

Saving money on car insurance takes being a good driver, having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around every couple of years by requesting quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following list is a summary of the material that was raised in the charts and tables above.

• Policyholders who purchase an increased level of liability coverage will pay approximately $460 annually to raise limits from a minimum limit to higher 250/500 limits
• Drivers age 16 to 20 are expensive to insure, costing up to $433 per month including comprehensive and collision insurance
• Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,610 more per year than a safer driver
• Increasing deductibles could save up to $550 each year

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.