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.

U.S. average insurance prices for a Kia Sorento are $1,382 every 12 months including full coverage. Comprehensive costs around $284, collision insurance costs $524, and liability costs $416. Liability-only insurance costs as little as $474 a year, and high-risk driver insurance costs around $2,996. Teens pay the highest rates at up to $5,192 a year.

Average premium for full coverage: $1,382

Price estimates for individual coverage:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all Sorento models.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how where you live affects auto insurance rates.

The ranges above highlight why everyone should compare rates for a specific zip code and their own driving history, instead of making a decision based on averaged prices.

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

Rate Comparisons

The chart below breaks down average Kia Sorento insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $795
• Drivers who choose higher $1,000 deductibles will pay about $184 every year
• The average price for the average middle-age driver using $500 deductibles is $1,382
• Selecting pricier low deductibles for comprehensive and collision insurance increases the price to $1,738
• Drivers with serious driving violations could pay at least $2,996
• The price to insure a 16-year-old driver for full coverage can be $5,192 a year

View Chart as Image

Car insurance prices for a Kia Sorento are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could save up to $540 annually, whereas buying more liability protection will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $375 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as low as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged as much as $5,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,600 to $2,300 extra each year, depending on your age. Kia Sorento insurance for high-risk drivers can cost from 44% to 129% more than the average policy. View High Risk Driver Rates

The state you live in makes a big difference in Kia Sorento insurance prices. A 40-year-old driver could pay as low as $1,060 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,970 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Shop for Cheap Kia Sorento Insurance

Getting lower rates on insurance for a Kia Sorento not only requires avoiding accidents and violations, but also maintaining a good credit score, being claim-free, and consideration of higher deductibles. Take the time to comparison shop every time your policy renews by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The list below is a brief summary of the information touched on in the above illustrations.

• You may be able to save up to $170 per year just by quoting online well ahead of the renewal date
• Teenagers are the costliest to insure, possibly costing $433 a month if the policy includes full coverage
• Increasing physical damage deductibles could save as much as $550 each year
• Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,610 more every year for car insurance
• Insureds who may need higher liability limits will pay approximately $460 per year to go from a low limit to a 250/500 level

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.