Kia Sorento Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 3, 2023

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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 $894 a year including full coverage. Comprehensive insurance costs around $132 each year, collision costs $162, and liability insurance is estimated at $442. Buying just liability costs approximately $496 a year, with insurance for high-risk drivers costing $1,918 or more. Teenage drivers cost the most to insure at $3,674 a year or more.

Average premium for full coverage: $894

Policy rates for type of insurance:

Comprehensive $132
Collision $162
Liability $442

Price estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Sorento models.

Price Range Variability

Using a middle-aged driver as an example, Kia Sorento insurance rates go from as low as $496 for just liability coverage to a high rate of $1,918 for a policy for a high-risk driver.

Liability Only $496
Full Coverage $894
High Risk $1,918

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how where you live affects auto insurance rates.

Rural Areas $671
Small Cities $939
Large Cities $1,207

The examples above highlight why all drivers should get quotes for a specific zip code and risk profile, rather than relying on average rates.

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.

Detailed Rate Analysis

The chart below breaks down estimated Kia Sorento insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $552
  • Choosing higher $1,000 deductibles can save about $68 every year
  • The average rate for a good driver age 40 using $500 deductibles is $894
  • Using low deductibles for comp and collision coverage will cost an extra $126 a year
  • High-risk insureds who are prone to accidents and violations could pay at least $1,918 or more
  • Policy cost for full coverage for a teen driver can be $3,674 each year

View Chart as Image

Kia Sorento insurance cost comparison chart
Column chart showing full coverage Kia Sorento insurance prices range from $552 to $3,674

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

More mature drivers with a clean driving record and high deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $3,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Kia Sorento insurance rates. A good driver about age 40 could pay as low as $690 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,280 on average in Michigan, New York, and Louisiana.

Kia Sorento Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $810 -$84 -9.4%
Alaska $688 -$206 -23.0%
Arizona $744 -$150 -16.8%
Arkansas $894 -$0 0.0%
California $1,018 $124 13.9%
Colorado $854 -$40 -4.5%
Connecticut $920 $26 2.9%
Delaware $1,012 $118 13.2%
Florida $1,120 $226 25.3%
Georgia $826 -$68 -7.6%
Hawaii $642 -$252 -28.2%
Idaho $606 -$288 -32.2%
Illinois $666 -$228 -25.5%
Indiana $674 -$220 -24.6%
Iowa $604 -$290 -32.4%
Kansas $852 -$42 -4.7%
Kentucky $1,220 $326 36.5%
Louisiana $1,326 $432 48.3%
Maine $552 -$342 -38.3%
Maryland $740 -$154 -17.2%
Massachusetts $718 -$176 -19.7%
Michigan $1,554 $660 73.8%
Minnesota $748 -$146 -16.3%
Mississippi $1,072 $178 19.9%
Missouri $794 -$100 -11.2%
Montana $962 $68 7.6%
Nebraska $706 -$188 -21.0%
Nevada $1,072 $178 19.9%
New Hampshire $644 -$250 -28.0%
New Jersey $1,000 $106 11.9%
New Mexico $792 -$102 -11.4%
New York $944 $50 5.6%
North Carolina $514 -$380 -42.5%
North Dakota $732 -$162 -18.1%
Ohio $620 -$274 -30.6%
Oklahoma $920 $26 2.9%
Oregon $820 -$74 -8.3%
Pennsylvania $854 -$40 -4.5%
Rhode Island $1,194 $300 33.6%
South Carolina $810 -$84 -9.4%
South Dakota $756 -$138 -15.4%
Tennessee $786 -$108 -12.1%
Texas $1,078 $184 20.6%
Utah $664 -$230 -25.7%
Vermont $612 -$282 -31.5%
Virginia $536 -$358 -40.0%
Washington $692 -$202 -22.6%
West Virginia $820 -$74 -8.3%
Wisconsin $620 -$274 -30.6%
Wyoming $798 -$96 -10.7%

View Chart as Image

Kia Sorento insurance rates by U.S. city

Using high physical damage deductibles can save as much as $200 each year, whereas increasing liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more per 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 likely paying at least $1,100 to $1,500 extra every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 41% to 136% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate rates, so the rates will be varied from one company to the next.

Kia Sorento Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2016 Kia Sorento $230 $380 $460 $1,228
2015 Kia Sorento $214 $350 $460 $1,182
2014 Kia Sorento $206 $328 $464 $1,156
2013 Kia Sorento $202 $306 $474 $1,140
2012 Kia Sorento $186 $284 $474 $1,102
2011 Kia Sorento $182 $258 $478 $1,076
2008 Kia Sorento $154 $192 $468 $972
2007 Kia Sorento $152 $188 $460 $958
2004 Kia Sorento $132 $162 $442 $894

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 Cheaper Kia Sorento Insurance

Finding cheaper rates on Kia Sorento insurance takes being a safe and courteous driver, maintaining good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Take the time to comparison shop every year by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a condensed summary of the coverage data touched on in the above illustrations.

  • You may be able to save up to $100 per year simply by quoting online in advance
  • Increasing comprehensive and collision deductibles can save around $200 each year
  • Teenage drivers pay higher rates, with premiums being up to $306 each month for full coverage
  • High-risk drivers with multiple at-fault accidents pay on average $1,020 more every year for auto insurance

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 $3,674
20 $2,044
30 $906
40 $894
50 $824
60 $806

Full coverage, $500 deductibles

Rates by Deductible

Kia Sorento Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,020
$250 $962
$500 $894
$1,000 $826

Full coverage, driver age 40

Rates by Liability Limit

Kia Sorento Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $894
50/100 $982
100/300 $1,093
250/500 $1,380
100 CSL $1,027
300 CSL $1,270
500 CSL $1,447

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Sorento Insurance Rates for High Risk Drivers
Age Premium
16 $5,152
20 $3,256
30 $1,928
40 $1,918
50 $1,836
60 $1,816

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 $118

Potential Rate Discounts

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

Discount Savings
Multi-policy $44
Multi-vehicle $48
Homeowner $16
5-yr Accident Free $52
5-yr Claim Free $55
Paid in Full/EFT $30
Advance Quote $38
Online Quote $59
Total Discounts $342
Rate after discounts $552

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

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