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 $1,386 every 12 months for full coverage insurance. Comprehensive insurance costs on average $294 a year, collision costs $536, and liability costs around $398. Liability-only insurance costs as low as $460 a year, with high-risk driver insurance costing $3,002 or more. Teens cost the most to insure at $5,176 a year or more.

Average premium for full coverage: $1,386

Policy rates by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and Sorento trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. Rural areas are shown to have more infrequent physical damage claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects car insurance rates.

The examples above illustrate why it is important to compare prices based on a specific location and their own driving history, instead of using averaged prices.

Use the form below to get customized rates for your location.

More Rate Information

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

• The cheapest rate after discounts is $798
• Using higher $1,000 deductibles will save around $1,198 each year
• The average price for a good driver age 40 with $500 deductibles is $1,386
• Selecting low $100 deductibles for physical damage coverage costs an extra $368 every year
• Drivers with serious driving violations could pay upwards of $3,002 or more
• Policy cost to insure a teen driver may cost $5,176 or more

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $560 every year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay upwards of $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 probably paying at a minimum $1,600 to $2,300 in extra premium every year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 129% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Kia Sorento insurance prices. A driver around age 40 might see rates as low as $910 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,870 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out exactly what you will pay is to get quotes and see which company has the best rate. Each insurance company calculates rates differently, and quoted rates will be varied.

How to Shop for Affordable Kia Sorento Insurance

Finding cheaper rates on car insurance requires having a decent driving record, having a good credit score, being claim-free, and taking advantage of discounts. Invest the time to compare rates at every policy renewal by quoting rates from direct insurance companies, and also from several local insurance agents.

The following items are a brief review of the data presented in the illustrations above.

• Policyholders who require additional liability coverage will pay approximately $440 annually to increase from a 30/60 limit to a 250/500 level
• It is possible to save as much as $170 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $550 each year
• 16 to 18-year-old drivers are charged the highest rates, possibly costing $431 each month if comprehensive and collision insurance 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.