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 $1,386 a year including full coverage. Comprehensive costs around $294 a year, collision costs $536, and liability insurance costs $398. Liability-only coverage costs as little as $460 a year, with high-risk coverage costing around $3,002. 16-year-old drivers cost the most to insure at $5,176 a year or more.

Average premium for full coverage: $1,386

Policy rates for type of insurance:

Rate estimates include $500 deductible amounts, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Sorento trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location 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 congested cities.

The diagram below illustrates how geographic area affects auto insurance rates.

The examples above highlight why it is important to compare rates for a specific zip code and risk profile, rather than relying on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $798
• Drivers who choose higher $1,000 deductibles will pay about $1,198 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,386
• Buying low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,754
• High risk drivers with multiple tickets or accidents could pay at least $3,002 or more
• Policy cost for full coverage for a teen driver can be $5,176 a year

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $5,100 a year. View Rates by Age

Your home state makes a big difference in Kia Sorento insurance rates. A 40-year-old driver could pay as low as $1,070 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,980 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles could save up to $560 each year, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $358 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 likely paying at least $1,600 to $2,300 additional every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 129% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to get quotes from as many companies as possible. Every company utilizes a different rate formula, and rates will be varied from one company to the next.

How to Find the Best Kia Sorento Insurance

Finding cheaper rates on Kia Sorento insurance not only requires having a good driving record, but also having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to compare rates every couple of years by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The next list is a brief recap of the material that was presented in the illustrations above.

• Drivers who may need increased levels of liability coverage will pay around $440 per year to go from a 30/60 limit to 250/500 limits
• Drivers age 20 and younger are charged the highest rates, with premiums being up to $431 each month including comprehensive and collision insurance
• High-risk drivers who tend to receive serious violations pay on average $1,620 more every year to buy Kia Sorento insurance
• Increasing comprehensive and collision deductibles can save around $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.