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 insurance prices for a Kia Sorento are $1,382 every 12 months for full coverage insurance. Comprehensive insurance costs around $284, collision insurance costs $524, and liability insurance is $416. A policy with just liability insurance costs around $474 a year, and coverage for high-risk drivers costs $2,996 or more. 16-year-old drivers pay the highest rates at up to $5,192 a year.

Average premium for full coverage: $1,382

Price estimates for individual coverage:

Full coverage includes $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for all Sorento models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population have more infrequent physical damage claims than congested cities. The example below illustrates how location impacts auto insurance rates.

The ranges above illustrate why everyone should compare rates quotes for a specific zip code and their own driving history, rather than relying on rate averages.

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

Additional Rate Information

The chart below illustrates average Kia Sorento insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $795
• Raising to $1,000 deductibles will save about $184 each year
• The average price for the average middle-age driver using $500 deductibles is $1,382
• Buying pricier low deductibles costs an extra $356 a year
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,996
• The price to insure a teen driver for full coverage can be $5,192

View Chart as Image

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

Opting for high physical damage deductibles can reduce prices by up to $540 each year, whereas buying more liability protection will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $375 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles could pay as little as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay as much as $5,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,600 to $2,300 extra each year, depending on your age. Kia Sorento 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

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

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How to Shop for More Affordable Kia Sorento Insurance

Getting lower rates on Kia Sorento insurance consists of being a low-risk driver, having good credit, not filing small claims, and dropping full coverage on older vehicles. Spend time shopping around every time your policy renews by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a summary of the information touched on above.

• It is possible to save up to $170 per year just by quoting online well ahead of the renewal date
• Teen drivers pay higher prices, as much as $433 a month if they have full coverage
• Increasing physical damage deductibles could save as much as $550 each year
• High-risk drivers who have multiple accidents or major violations may pay on average $1,610 more every year to insure their Sorento
• Drivers who may need more liability coverage will pay around $460 annually to raise from a low limit to a 250/500 level

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.