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.

The average insurance rates for a Kia Sorento are $1,382 a year for full coverage insurance. Comprehensive insurance costs on average $284, collision insurance costs $524, and liability costs around $416. Liability-only coverage costs as low as $474 a year, and high-risk coverage costs $2,996 or more. Teens cost the most to insure at up to $5,192 a year.

Average premium for full coverage: $1,382

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for different Sorento trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on car insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare prices based on a specific location and risk profile, instead of making a decision based on averaged prices.

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

Additional Rate Analysis

The chart below illustrates average Kia Sorento insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $795
• Using higher $1,000 deductibles will save around $184 each year
• The average rate for a good driver age 40 with $500 deductibles is $1,382
• Selecting more expensive low deductibles for physical damage coverage will cost an extra $356 annually
• High-risk insureds with serious driving violations could pay upwards of $2,996
• Policy cost for full coverage for a 16-year-old driver with full coverage may cost $5,192 or more

View Chart as Image

Insurance rates for a Kia Sorento also range considerably based on your risk profile, the model year and trim level, and policy deductibles and limits.

An older driver with no violations or accidents and high deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $5,100 a year. View Rates by Age

Your home state has a huge impact on Kia Sorento insurance prices. A driver around age 40 might see rates as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,870 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $540 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $375 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $1,600 to $2,300 additional every year, depending on your age. High-risk driver insurance can be from 44% to 129% more than the average policy. View High Risk Driver Rates

How to Find the Best Kia Sorento Insurance

Finding cheaper rates on insurance for a Kia Sorento requires avoiding accidents and claims, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Take the time to compare rates every time your policy renews by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The points below are a brief recap of the information covered in the above illustrations.

• It is possible to save as much as $170 per year just by shopping early and online
• Drivers under the age of 20 pay higher rates, possibly costing $433 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles can save around $550 each year
• Drivers considered higher risk who tend to receive serious violations pay an average of $1,610 more each year to insure a Kia Sorento
• Insureds who require increased liability limits will pay approximately $460 annually to increase from a 30/60 limit to 250/500 limits

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.