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.

The average insurance prices for a Kia Sorento are $1,382 every 12 months including full coverage. Comprehensive insurance costs an estimated $284 a year, collision insurance costs $524, and liability costs $416. Liability-only coverage costs as little as $474 a year, and high-risk coverage costs $2,996 or more. Teenage drivers cost the most to insure at up to $5,192 a year.

Average premium for full coverage: $1,382

Policy rates broken down by type of insurance:

Prices include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Sorento trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities. The diagram below illustrates how location impacts insurance prices.

The examples above highlight why it is important to compare rates for a targeted area 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.

Detailed Rate Analysis

The chart below breaks down average Kia Sorento insurance rates for other coverage scenarios.

• The best discount rate is $795
• Drivers who choose higher $1,000 deductibles will pay approximately $1,198 every year
• The average price for a good driver age 40 who has $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 up to $2,996
• Policy cost to insure a 16-year-old driver can cost as much as $5,192 a year

View Chart as Image

Insurance rates for a Kia Sorento also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

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

Older drivers with no violations or accidents and higher deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $5,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,600 to $2,300 additional every year, 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

Your home state 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 Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,970 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Shop for the Right Kia Sorento Insurance

Finding cheaper rates on insurance for a Kia Sorento not only requires avoiding accidents and violations, but also having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Spend time shopping around every year by requesting rates from direct car insurance companies, and also from local insurance agencies.

The list below is a quick rundown of the coverage data touched on above.

• You may be able to save approximately $170 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $550 each year
• Teenagers are expensive to insure, with premiums being up to $433 each month if full coverage is included
• Drivers considered higher risk with reckless driving or DUI convictions may have to pay on average $1,610 more annually for car insurance

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.