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 $1,382 a year including full coverage. Comprehensive costs on average $284, collision costs $524, and liability coverage is estimated at $416. Liability-only coverage costs approximately $474 a year, with high-risk coverage costing around $2,996. Teen drivers receive the highest rates at $5,192 a year or more.

Average premium for full coverage: $1,382

Rate estimates by individual coverage type:

Prices include $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different 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 larger metro areas.

The price range example below illustrates how geographic area affects car insurance rates.

These examples highlight why anyone shopping for car insurance should get quotes based on a specific location, rather than using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $795
• Choosing higher $1,000 deductibles can save around $184 every year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,382
• Choosing more expensive low deductibles for comp and collision coverage bumps up the cost to $1,738
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,996 or more
• The cost that insures a teenage driver with full coverage may cost $5,192 each year

View Chart as Image

Car insurance rates for a Kia Sorento can also vary considerably based on the model year and trim level, 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 extra per year, depending on your age. High-risk driver insurance ranges around 44% to 129% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged 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 $1,060 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,970 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles can save as much as $540 a year, while increasing your policy's 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 $375 extra every 12 months. 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 compare rates and see how they stack up. Each auto insurer uses a different rate calculation, so rate quotes can be significantly different.

How to Find the Right Kia Sorento Insurance

Saving money on auto insurance takes avoiding accidents and claims, having a positive credit history, not filing small claims, and maximizing policy discounts. Shop around at every policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a quick rundown of the data presented in the illustrations above.

• Consumers who require increased liability limits will pay about $460 per year to raise limits from a minimum limit to the 250/500 level
• You may be able to save as much as $170 per year simply by shopping early and online
• Increasing deductibles can save approximately $550 each year
• Drivers under the age of 20 are expensive to insure, as much as $433 per month if full coverage is purchased

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.