Kia Sorento Insurance Rates
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UPDATED: Jun 3, 2023
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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 insurance rates for a Kia Sorento are $912 a year with full coverage. Comprehensive costs approximately $138, collision insurance costs $170, and liability costs around $446. Buying just liability costs as low as $500 a year, and insurance for high-risk drivers costs around $1,958. 16-year-old drivers receive the highest rates at up to $3,736 a year.
Average premium for full coverage: $912
Rate estimates by individual coverage type:
Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for different Sorento trim levels.
Price Range by Coverage and Risk
For the average driver, prices range range from the low end price of $500 for just liability coverage to a much higher rate of $1,958 for a driver required to buy high-risk insurance.
Price Range by Location
Where you live can have significant affects on the price of insurance. Rural locations tend to have lower incidents of collision claims than congested cities. The price range example below illustrates how location impacts auto insurance prices.
These examples demonstrate why anyone shopping for car insurance should compare prices using their specific location, instead of using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below details average Kia Sorento insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $563
- Using higher $1,000 deductibles will save $72 annually
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $912
- Buying more expensive low deductibles for physical damage coverage bumps up the cost to $1,044
- Drivers with multiple tickets or accidents could pay around $1,958
- The cost that insures a teen driver with full coverage can cost $3,736 or more
Auto insurance rates for a Kia Sorento can also vary considerably based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,100 to $1,600 in extra premium per year, depending on your age. High-risk driver insurance can be as much as 43% to 134% more than the average rate. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $900 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $3,700 a year. View Rates by Age
Where you live has a huge impact on Kia Sorento insurance prices. A driver around age 40 might see rates as low as $660 a year in states like Utah, Ohio, and New Hampshire, or at least $1,230 on average in New York, Michigan, and Florida.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Opting for high physical damage deductibles could cut rates by as much as $210 every year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $402 extra every year. View Rates by Deductible or Liability Limit
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2016 Kia Sorento||$240||$424||$456||$1,278|
|2015 Kia Sorento||$230||$380||$460||$1,228|
|2014 Kia Sorento||$214||$350||$460||$1,182|
|2013 Kia Sorento||$206||$328||$464||$1,156|
|2012 Kia Sorento||$202||$306||$474||$1,140|
|2011 Kia Sorento||$186||$284||$474||$1,102|
|2008 Kia Sorento||$160||$214||$474||$1,006|
|2007 Kia Sorento||$154||$192||$468||$972|
|2004 Kia Sorento||$138||$170||$446||$912|
Rates are averaged for all Kia Sorento models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheaper Kia Sorento Insurance
Saving money on car insurance requires avoiding accidents and violations, maintaining a good credit score, eliminating unnecessary coverage, and possibly higher deductibles. Comparison shop at every policy renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The list below is a condensed summary of the data touched on above.
- Policyholders who purchase higher liability limits will pay around $490 every year to increase from a minimum limit to the 250/500 level
- You may be able to save around $100 per year just by shopping early and online
- Increasing deductibles can save approximately $200 each year
- Teenagers have the highest car insurance rates, with premiums as much as $311 per month if the policy includes full coverage
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.
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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:
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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$53|
|5-yr Claim Free||$56|
|Paid in Full/EFT||$31|
Discounts are estimated and may not be available from every company or in every state.
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