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 $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:

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

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.

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.

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

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.

View Chart as Image

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.

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.

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.