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 $1,396 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:

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

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.

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.

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

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.

View Chart as Image

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.

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.

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.