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.

Average insurance rates for a Kia Sorento are $1,386 a year including full coverage. Comprehensive insurance costs on average $294 a year, collision costs $536, and liability coverage is estimated at $398. A policy with just liability insurance costs approximately $460 a year, with coverage for high-risk drivers costing $3,002 or more. Teens receive the highest rates at $5,176 a year or more.

Average premium for full coverage: $1,386

Rate estimates by individual coverage type:

Includes $500 deductible amounts, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Sorento trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how location helps determine car insurance rates.

These examples highlight why it is important to get quotes based on a specific location, rather than using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $798
• Choosing higher $1,000 deductibles can save around $1,198 every year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,386
• Selecting low $100 deductibles for comp and collision coverage will cost an additional $368 each year
• Drivers with serious driving violations could pay upwards of $3,002 or more
• The cost that insures a teenage driver may cost $5,176 each year

View Chart as Image

Insurance rates for a Kia Sorento can also vary considerably based on the trim level of your Sorento, your driving record and age, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,600 to $2,300 additional per year, depending on your age. A high-risk auto insurance policy ranges around 44% to 129% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $5,100 a year. View Rates by Age

Where you live 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 have to pay at least $1,980 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $560 a year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $358 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out exactly what you will pay is to get quotes and see how they stack up. Each auto insurer calculates rates differently, and rates can be significantly different.

How to Find the Cheapest Kia Sorento Insurance

Saving money on auto insurance takes having a good driving record, having a good credit score, not filing small claims, and insuring your home and auto with the same company. Compare rates 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 next list is a recap of the information covered in the charts and tables above.

• You may be able to save as much as $170 per year simply by quoting early and online
• Drivers age 20 and younger pay higher rates, as much as $431 per month if comprehensive and collision insurance is included
• Increasing deductibles can save approximately $550 each year
• Drivers that have major violations or accidents could be forced to pay on average $1,620 more each year to buy Kia Sorento insurance
• Consumers who require increased levels of liability coverage will pay approximately $440 per year to raise limits from a minimum limit to the 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.