Kia Sorento Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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.

The average insurance prices for a Kia Sorento are $912 every 12 months including full coverage. Comprehensive insurance costs on average $138 a year, collision costs $170, and liability insurance is $446. Liability-only insurance costs around $500 a year, with high-risk driver insurance costing $1,958 or more. 16-year-old drivers cost the most to insure at $3,736 a year or more.

Average premium for full coverage: $912

Policy rates by type of insurance:

Comprehensive $138
Collision $170
Liability $446

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

Price Range Variability

Using a middle-aged driver as an example, Kia Sorento insurance rates go from the cheapest price of $500 for minimum levels of liability insurance to a high of $1,958 for a driver who requires high-risk insurance.

Liability Only $500
Full Coverage $912
High Risk $1,958

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than congested cities.

The diagram below illustrates how where you live affects car insurance rates.

Rural Areas $684
Small Cities $958
Large Cities $1,231

The examples above highlight why it is important to compare rates quotes based on a specific location and their own driving history, rather than relying on 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.

Additional Rate Details

The chart below breaks down estimated Kia Sorento insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $563
  • Raising to $1,000 deductibles will save around $840 every year
  • The average price for a good driver age 40 with $500 deductibles is $912
  • Buying low $100 deductibles costs an extra $132 a year
  • Higher-risk drivers with multiple tickets or accidents could pay upwards of $1,958 or more
  • Policy cost to insure a teen driver may cost $3,736

View Chart as Image

Kia Sorento insurance cost comparison chart
Column chart showing full coverage Kia Sorento insurance prices range from $563 to $3,736

Auto insurance rates for a Kia Sorento also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your Sorento.

Opting for high physical damage deductibles can reduce rates by up to $210 each year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $402 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay upwards of $3,700 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 at a minimum $1,100 to $1,600 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 134% more than the average rate. View High Risk Driver Rates

Your home state also has a big influence on Kia Sorento insurance rates. A middle-age driver might find rates as low as $700 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,300 on average in Michigan, New York, and Louisiana.

Kia Sorento Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $826 -$86 -9.4%
Alaska $700 -$212 -23.2%
Arizona $758 -$154 -16.9%
Arkansas $912 -$0 0.0%
California $1,040 $128 14.0%
Colorado $870 -$42 -4.6%
Connecticut $938 $26 2.9%
Delaware $1,034 $122 13.4%
Florida $1,142 $230 25.2%
Georgia $842 -$70 -7.7%
Hawaii $654 -$258 -28.3%
Idaho $616 -$296 -32.5%
Illinois $678 -$234 -25.7%
Indiana $686 -$226 -24.8%
Iowa $614 -$298 -32.7%
Kansas $868 -$44 -4.8%
Kentucky $1,246 $334 36.6%
Louisiana $1,352 $440 48.2%
Maine $562 -$350 -38.4%
Maryland $752 -$160 -17.5%
Massachusetts $732 -$180 -19.7%
Michigan $1,586 $674 73.9%
Minnesota $762 -$150 -16.4%
Mississippi $1,094 $182 20.0%
Missouri $810 -$102 -11.2%
Montana $980 $68 7.5%
Nebraska $720 -$192 -21.1%
Nevada $1,094 $182 20.0%
New Hampshire $656 -$256 -28.1%
New Jersey $1,022 $110 12.1%
New Mexico $808 -$104 -11.4%
New York $962 $50 5.5%
North Carolina $526 -$386 -42.3%
North Dakota $748 -$164 -18.0%
Ohio $630 -$282 -30.9%
Oklahoma $936 $24 2.6%
Oregon $836 -$76 -8.3%
Pennsylvania $870 -$42 -4.6%
Rhode Island $1,216 $304 33.3%
South Carolina $826 -$86 -9.4%
South Dakota $770 -$142 -15.6%
Tennessee $798 -$114 -12.5%
Texas $1,100 $188 20.6%
Utah $676 -$236 -25.9%
Vermont $626 -$286 -31.4%
Virginia $546 -$366 -40.1%
Washington $706 -$206 -22.6%
West Virginia $836 -$76 -8.3%
Wisconsin $632 -$280 -30.7%
Wyoming $814 -$98 -10.7%

View Chart as Image

Kia Sorento insurance rates by U.S. city

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes from as many companies as possible. Every auto insurance company utilizes a different rate formula, and quoted rates will be varied.

Kia Sorento Insurance Rates by Model Year
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 Shop for More Affordable Kia Sorento Insurance

Finding cheaper rates on Kia Sorento insurance consists of avoiding accidents and violations, having a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Take the time to comparison shop at every other renewal by quoting rates from direct car insurance companies, and also from your local independent and exclusive agents.

The list below is a summary of the concepts that were touched on in the above illustrations.

  • High-risk drivers who have multiple accidents or major violations may pay on average $1,050 more each year for car insurance
  • Teenagers are charged the highest rates, with premiums being up to $311 each month if comprehensive and collision insurance is included
  • You may be able to save as much as $100 per year simply by quoting early and online
  • Increasing comprehensive and collision deductibles could save as much as $200 each year
  • You may be able to save as much as $100 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.

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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.

Rates by Driver Age

Kia Sorento Insurance Rates by Driver Age
Driver Age Premium
16 $3,736
20 $2,086
30 $922
40 $912
50 $840
60 $822

Full coverage, $500 deductibles

Rates by Deductible

Kia Sorento Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,044
$250 $984
$500 $912
$1,000 $840

Full coverage, driver age 40

Rates by Liability Limit

Kia Sorento Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $912
50/100 $1,001
100/300 $1,113
250/500 $1,403
100 CSL $1,046
300 CSL $1,291
500 CSL $1,470

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Sorento Insurance Rates for High Risk Drivers
Age Premium
16 $5,242
20 $3,322
30 $1,968
40 $1,958
50 $1,874
60 $1,856

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.

SR-22 Surcharge $120

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $45
Multi-vehicle $49
Homeowner $16
5-yr Accident Free $53
5-yr Claim Free $56
Paid in Full/EFT $31
Advance Quote $39
Online Quote $60
Total Discounts $349
Rate after discounts $563

Discounts are estimated and may not be available from every company or in every state.

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