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 rates for a Kia Sorento are $1,386 a year including full coverage. Comprehensive insurance costs approximately $294, collision insurance costs $536, and liability costs around $398. Liability-only coverage costs as low as $460 a year, and high-risk coverage costs $3,002 or more. Teenage drivers pay the most at up to $5,176 a year.

Average premium for full coverage: $1,386

Premium estimates by type of coverage:

Price estimates include $500 deductible amounts, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different Sorento trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities. The price range example below illustrates how location impacts auto insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare prices using their specific location, 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 average Kia Sorento insurance rates for additional coverage and risk scenarios.

• The best discount rate is $798
• Using higher $1,000 deductibles will save $188 every year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,386
• Using more expensive low deductibles for physical damage coverage will cost an additional $368 annually
• High-risk insureds who are prone to accidents and violations could pay around $3,002
• An auto insurance policy that insures a 16-year-old driver with full coverage can cost $5,176 or more

View Chart as Image

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

If you have a few violations or you caused an accident, you are likely paying anywhere from $1,600 to $2,300 extra annually, depending on your age. High-risk driver insurance can be from 44% to 129% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $5,100 a year. View Rates by Age

Where you choose to live has a huge impact on Kia Sorento insurance prices. A driver around age 40 might see prices as low as $1,070 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,980 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $560 annually, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $358 more per year. View Rates by Deductible or Liability Limit

How to Find Cheaper Kia Sorento Insurance

Finding better rates on insurance for a Kia Sorento requires having a good driving record, having above-average credit, refrain from filing small claims, and possibly raising deductibles. Compare prices at least once a year by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.

The next list is a condensed summary of the primary concepts that were touched on above.

• You may be able to save around $170 per year just by shopping early and online
• Drivers considered higher risk with multiple at-fault accidents will likely pay on average $1,620 more per year to buy Kia Sorento insurance
• Increasing policy deductibles can save approximately $550 each year
• Drivers age 20 and younger are expensive to insure, with the cost nearing $431 per month if full coverage is included

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.