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 insurance costs $524, and liability costs $416. Buying just liability costs as little as $474 a year, and insurance for high-risk drivers costs $2,996 or more. Teenage drivers receive the highest rates at up to $5,192 a year.

Average premium for full coverage: $1,382

Rate estimates by individual coverage type:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for different Sorento trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on the price of auto insurance. Rural locations tend to have fewer physical damage claims than densely populated cities. The price range example below illustrates how location impacts auto insurance prices.

These examples illustrate why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $795
• Drivers who choose higher $1,000 deductibles will pay $184 each year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,382
• Using more expensive low deductibles for comprehensive and collision insurance costs an additional $356 every year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,996
• The cost with full coverage for a teen driver with full coverage can cost $5,192 a year

View Chart as Image

Auto 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.

An older driver with a good driving record and high physical damage deductibles may pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have 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 in extra premium per year, depending on your age. High-risk driver insurance can cost as much as 44% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $540 every year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $375 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Kia Sorento insurance prices. A 40-year-old driver could pay as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,870 on average in Florida, New York, and Michigan.

View Chart as Image

How to Buy the Cheapest Kia Sorento Insurance

Saving money on car insurance not only requires avoiding accidents and claims, but also having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Spend time shopping around every time your policy renews by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The points below are a recap of the information touched on above.

• It is possible to save around $170 per year just by shopping early and online
• Drivers under the age of 20 have the highest car insurance rates, costing up to $433 per month if full coverage is included
• Increasing deductibles could save up to $550 each year
• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,610 more per year to insure a Kia Sorento
• Policyholders who purchase increased liability limits will pay an extra $460 annually to go from a minimum 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.