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 prices for a Kia Sorento are $1,382 every 12 months including full coverage. Comprehensive insurance costs an estimated $284, collision costs $524, and liability costs $416. A liability-only policy costs as little as $474 a year, with high-risk insurance costing $2,996 or more. Teen drivers receive the highest rates at $5,192 a year or more.

Average premium for full coverage: $1,382

Rate estimates broken down by individual coverage type:

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all Sorento models.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than larger metro areas.

The example below illustrates how your location can change insurance prices.

These examples highlight why everyone should compare rates for a targeted area and their own driving history, instead of using price averages.

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

More Rate Details

The chart below breaks down estimated Kia Sorento insurance rates for other coverage scenarios.

• The lowest rate with discounts is $795
• Drivers who choose higher $1,000 deductibles will pay approximately $184 every year
• The average price for a 40-year-old driver who has $500 deductibles is $1,382
• Choosing pricier low deductibles for comprehensive and collision insurance costs an extra $356 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,996 or more
• The cost to insure a teen driver for full coverage can cost as much as $5,192 a year

View Chart as Image

Insurance rates for a Kia Sorento can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.

Choosing high deductibles could save up to $540 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $375 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay at least $5,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying $1,600 to $2,300 extra per year, depending on your age. Kia Sorento insurance for high-risk drivers can cost as much as 44% to 129% more than average. View High Risk Driver Rates

Where you live 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 Vermont, New Hampshire, and Missouri, or as much as $1,970 on average in Louisiana, New York, and Michigan.

View Chart as Image

With so much variability in rates, the best way to figure out which company is cheapest is to regularly compare rates and see which company has the best rate. Every company uses a different rate calculation, so the rates can be significantly different.

How to Shop for Cheaper Kia Sorento Insurance

Saving money on car insurance not only requires avoiding accidents and violations, but also having good credit, not filing small claims, and taking advantage of discounts. Invest the time to shop around at every policy renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The list below is a condensed summary of the data illustrated above.

• Policyholders who want higher liability limits will pay about $460 per year to go from a minimum limit to a 250/500 level
• You may be able to save approximately $170 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save as much as $550 each year
• Teenagers are charged the highest rates, as much as $433 per month if they have full coverage

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.