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 rates for a Kia Sorento are $1,386 a year including full coverage. Comprehensive costs on average $294, collision insurance costs $536, and liability insurance is estimated at $398. Liability-only coverage costs approximately $460 a year, and high-risk coverage costs around $3,002. Teen drivers cost the most to insure at up to $5,176 a year.

Average premium for full coverage: $1,386

Policy rates by type of insurance:

Price estimates include $500 physical damage deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Sorento models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than larger metro areas. The example below illustrates the difference location can make on car insurance rates.

The examples above highlight why everyone should get quotes based on a specific location, rather than relying on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $798
• Choosing higher $1,000 deductibles can save around $188 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,386
• Choosing pricier low deductibles for comp and collision coverage bumps up the cost to $1,754
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,002
• Policy cost that insures a teen driver for full coverage may cost $5,176 each year

View Chart as Image

Insurance rates for a Kia Sorento also range considerably based on the model of your Sorento, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,600 to $2,300 additional every year, depending on your age. Kia Sorento insurance for high-risk drivers ranges anywhere from 44% to 129% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $5,100 a year. View Rates by Age

Your home state plays a big part in determining prices for Kia Sorento insurance rates. A good driver about age 40 could pay as low as $1,070 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,980 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles can save as much as $560 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit

How to Find Cheaper Kia Sorento Insurance

Finding cheaper rates on Kia Sorento insurance takes being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Shop around once a year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

Below is a condensed summary of the data that was touched on in this article.

• You may be able to save as much as $170 per year just by quoting online well ahead of the renewal date
• Drivers who require higher levels of liability will pay about $440 per year to raise limits from a 30/60 limit to the 250/500 level
• Teenage drivers pay higher rates, with premiums being up to $431 each month if comprehensive and collision insurance is included
• High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,620 more each year for auto insurance

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.