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.

Estimated insurance prices for a Kia Sorento are $1,382 every 12 months including full coverage. Comprehensive insurance costs around $284 a year, collision costs $524, and liability costs $416. A liability-only policy costs as little as $474 a year, with high-risk insurance costing $2,996 or more. Teenage drivers pay the most at $5,192 a year or more.

Average premium for full coverage: $1,382

Premium estimates for type of coverage:

Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Sorento trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.

The diagram below illustrates the difference location can make on auto insurance rates.

These rate differences highlight why it is important to compare rates for a specific zip code and their own driving history, instead of making a decision based on average rates.

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

More Rate Details

The chart below breaks down estimated Kia Sorento insurance rates for additional coverage choices and driver risks.

• The best discount rate is $795
• Drivers who choose higher $1,000 deductibles will pay about $1,198 every year
• The average price for a 40-year-old good driver using $500 deductibles is $1,382
• Using low $100 deductibles for comprehensive and collision insurance costs an extra $356 annually
• Drivers who are prone to accidents and violations could pay at least $2,996 or more
• An auto insurance policy to insure a 16-year-old driver can be $5,192 a year

View Chart as Image

Auto insurance prices for a Kia Sorento also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.

Using high physical damage deductibles could save up to $540 annually, while buying higher liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $375 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay as much as $5,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at least $1,600 to $2,300 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost from 44% to 129% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Kia Sorento insurance prices. A 40-year-old driver could pay as low as $1,060 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,970 on average in Michigan, New York, and Louisiana.

View Chart as Image

With such a large range in prices, the best way to figure out your exact price is to get quotes from multiple companies. Every company uses a different method to calculate prices, and quoted prices will be substantially different.

How to Shop for the Best Kia Sorento Insurance

Finding better rates on insurance for a Kia Sorento not only requires being a good driver, but also having a good credit score, refrain from filing small claims, and maximizing policy discounts. Make time to compare rates every other policy renewal by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

The following list is a brief recap of the ideas that were touched on in this article.

• Drivers age 16 to 20 are expensive to insure, with the cost nearing $433 per month if comprehensive and collision insurance is included
• Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,610 more every year than a safer driver
• Increasing policy deductibles could save as much as $550 each year
• You may be able to save up to $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.