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Kia Sorento Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 9, 2020

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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 $1,396 a year for full coverage insurance. Comprehensive costs approximately $306 each year, collision costs $542, and liability costs around $390. Liability-only coverage costs as low as $452 a year, with high-risk coverage costing around $3,014. Teens cost the most to insure at $5,168 a year or more.

Average premium for full coverage: $1,396

Policy rates by type of insurance:

Comprehensive $306
Collision $542
Liability $390

Prices include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and Sorento models.

Price Range Variability

Using a 40-year-old driver as an example, Kia Sorento insurance rates go from as low as $452 for your basic liability-only policy to a high rate of $3,014 for a policy for a high-risk driver.

Liability Only $452
Full Coverage $1,396
High Risk $3,014

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than cities with more traffic congestion.

The graphic below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $1,047
Small Cities $1,466
Large Cities $1,885

The examples above illustrate why all drivers should compare prices using their specific location and risk profile, instead of using averaged prices.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

More Rate Information

The chart below illustrates estimated Kia Sorento insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $805
  • Using higher $1,000 deductibles will save $192 each year
  • The average rate for a good driver age 40 who chooses $500 deductibles is $1,396
  • Selecting low deductibles for physical damage coverage will increase the cost to $1,768
  • Drivers with serious driving violations could pay around $3,014 or more
  • Policy cost for full coverage for a teen driver can cost $5,168 or more

View Chart as Image

Kia Sorento insurance cost comparison chart
Column chart showing full coverage Kia Sorento insurance rates range from $805 to $5,168

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

More mature drivers with no violations or accidents and high deductibles may pay as little 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 in the ballpark 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 $910 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,890 on average in Florida, New York, and Michigan.

Kia Sorento Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,262 -$134 -9.6%
Alaska $1,070 -$326 -23.4%
Arizona $1,158 -$238 -17.0%
Arkansas $1,396 -$0 0.0%
California $1,590 $194 13.9%
Colorado $1,332 -$64 -4.6%
Connecticut $1,436 $40 2.9%
Delaware $1,580 $184 13.2%
Florida $1,748 $352 25.2%
Georgia $1,290 -$106 -7.6%
Hawaii $1,002 -$394 -28.2%
Idaho $944 -$452 -32.4%
Illinois $1,040 -$356 -25.5%
Indiana $1,052 -$344 -24.6%
Iowa $944 -$452 -32.4%
Kansas $1,328 -$68 -4.9%
Kentucky $1,904 $508 36.4%
Louisiana $2,068 $672 48.1%
Maine $862 -$534 -38.3%
Maryland $1,152 -$244 -17.5%
Massachusetts $1,118 -$278 -19.9%
Michigan $2,426 $1,030 73.8%
Minnesota $1,166 -$230 -16.5%
Mississippi $1,672 $276 19.8%
Missouri $1,238 -$158 -11.3%
Montana $1,500 $104 7.4%
Nebraska $1,102 -$294 -21.1%
Nevada $1,674 $278 19.9%
New Hampshire $1,004 -$392 -28.1%
New Jersey $1,560 $164 11.7%
New Mexico $1,238 -$158 -11.3%
New York $1,470 $74 5.3%
North Carolina $804 -$592 -42.4%
North Dakota $1,142 -$254 -18.2%
Ohio $966 -$430 -30.8%
Oklahoma $1,434 $38 2.7%
Oregon $1,278 -$118 -8.5%
Pennsylvania $1,332 -$64 -4.6%
Rhode Island $1,862 $466 33.4%
South Carolina $1,266 -$130 -9.3%
South Dakota $1,176 -$220 -15.8%
Tennessee $1,224 -$172 -12.3%
Texas $1,684 $288 20.6%
Utah $1,032 -$364 -26.1%
Vermont $956 -$440 -31.5%
Virginia $836 -$560 -40.1%
Washington $1,078 -$318 -22.8%
West Virginia $1,280 -$116 -8.3%
Wisconsin $966 -$430 -30.8%
Wyoming $1,246 -$150 -10.7%

View Chart as Image

Kia Sorento insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $570 every year, whereas increasing liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $351 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 anywhere from $1,600 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers can be as much as 45% to 128% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison and see which company has the best rate. Each insurance company calculates rates differently, and rates will be varied from one company to the next.

Kia Sorento Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Kia Sorento $306 $542 $390 $1,396
2019 Kia Sorento $294 $536 $398 $1,386
2018 Kia Sorento $284 $524 $416 $1,382
2017 Kia Sorento $274 $502 $430 $1,364
2016 Kia Sorento $260 $484 $442 $1,344
2015 Kia Sorento $250 $450 $452 $1,310
2014 Kia Sorento $240 $424 $456 $1,278
2013 Kia Sorento $230 $380 $460 $1,228
2012 Kia Sorento $214 $350 $460 $1,182
2011 Kia Sorento $206 $328 $464 $1,156
2009 Kia Sorento $186 $284 $474 $1,102
2008 Kia Sorento $182 $258 $478 $1,076
2007 Kia Sorento $170 $236 $474 $1,038
2006 Kia Sorento $160 $214 $474 $1,006
2005 Kia Sorento $154 $192 $468 $972
2004 Kia Sorento $152 $188 $460 $958
2003 Kia Sorento $150 $178 $452 $938

Rates are averaged for all Kia Sorento models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Right Kia Sorento Insurance

Finding cheaper rates on car insurance requires having a decent driving record, having a good credit history, being claim-free, and qualifying for all possible discounts. Set aside time to shop around every year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following items are a quick rundown of the coverage data raised in the charts and tables above.

  • It is possible to save around $170 per year simply by quoting online in advance
  • Increasing comprehensive and collision deductibles can save around $575 each year
  • 16 to 18-year-old drivers are the costliest to insure, possibly costing $431 each month including comprehensive and collision insurance
  • Higher risk drivers with reckless driving or DUI convictions may pay on average $1,620 more per year than a driver with a clean driving record

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.

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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:

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.

Rates by Driver Age

Kia Sorento Insurance Rates by Driver Age
Driver Age Premium
16 $5,168
20 $3,214
30 $1,456
40 $1,396
50 $1,274
60 $1,250

Full coverage, $500 deductibles

Rates by Deductible

Kia Sorento Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,768
$250 $1,596
$500 $1,396
$1,000 $1,204

Full coverage, driver age 40

Rates by Liability Limit

Kia Sorento Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,396
50/100 $1,474
100/300 $1,572
250/500 $1,825
100 CSL $1,513
300 CSL $1,728
500 CSL $1,884

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Sorento Insurance Rates for High Risk Drivers
Age Premium
16 $7,376
20 $5,110
30 $3,080
40 $3,014
50 $2,874
60 $2,848

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $193

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $74
Multi-vehicle $72
Homeowner $20
5-yr Accident Free $103
5-yr Claim Free $90
Paid in Full/EFT $64
Advance Quote $69
Online Quote $99
Total Discounts $591
Rate after discounts $805

Discounts are estimated and may not be available from every company or in every state.

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