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 auto insurance rates for a Kia Sorento are $1,386 annually with full coverage. Comprehensive costs around $294 a year, collision insurance costs $536, and liability coverage is estimated at $398. Liability-only coverage costs approximately $460 a year, and high-risk coverage costs around $3,002. Teenage drivers receive the highest rates at up to $5,176 a year.

Average premium for full coverage: $1,386

Rate estimates for individual coverage type:

Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 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 insurance rates. Areas with sparse population tend to have fewer collision claims than densely populated cities. The diagram below illustrates the difference location can make on auto insurance rates.

These examples demonstrate why it is important to get quotes for a specific zip code and their own personal driving habits, rather than using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $798
• Choosing higher $1,000 deductibles can save about $1,198 annually
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,386
• Using low $100 deductibles for comp and collision coverage will cost $1,754
• Drivers who are prone to accidents and violations could pay at least $3,002
• The cost with full coverage for a teenage driver can be $5,176 each year

View Chart as Image

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

Older drivers with no driving violations and high physical damage deductibles may only pay around $1,300 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged as much as $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at least $1,600 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy ranges around 44% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $560 a year, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

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 $1,000 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,870 on average in Florida, Michigan, and New York.

View Chart as Image

How to Buy Low Cost Kia Sorento Insurance

Saving money on auto insurance takes avoiding accidents and violations, having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Make time to compare rates every couple of years by getting quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

The list below is a review of the material that was touched on in this article.

• Consumers who may need higher liability limits will pay an extra $440 every year to raise limits from a minimum limit to higher 250/500 limits
• Teenagers are the costliest to insure, with premiums as much as $431 per month if comprehensive and collision insurance is included
• Drivers who have several accidents or serious violations may pay on average $1,620 more every year for car insurance
• Increasing deductibles could save up to $550 each year

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.