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.

Average auto insurance rates for a Kia Sorento are $1,382 annually for full coverage. Comprehensive costs around $284 a year, collision costs $524, and liability costs $416. Buying just liability costs as little as $474 a year, with insurance for high-risk drivers costing around $2,996. Teen drivers receive the highest rates at $5,192 a year or more.

Average premium for full coverage: $1,382

Rate estimates for individual coverage type:

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and Sorento trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on auto insurance rates. Areas with sparse population tend to have fewer accident claims than larger metro areas.

The diagram below illustrates how location impacts auto insurance rates.

These examples show why it is important to compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.

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

More Rate Details

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

• The lowest rate with discounts is $795
• Drivers who choose higher $1,000 deductibles will pay about $1,198 a year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,382
• Choosing low $100 deductibles for comprehensive and collision insurance will cost $1,738
• Drivers with multiple violations and an at-fault accident could pay at least $2,996 or more
• The cost with full coverage for a 16-year-old driver can be $5,192 a year

View Chart as Image

Auto insurance rates for a Kia Sorento can also vary considerably based on the trim level of your Sorento, your driver profile, and deductibles and policy limits.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay as much as $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at least $1,600 to $2,300 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost from 44% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $540 annually, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $375 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Kia Sorento insurance prices. A 40-year-old driver could pay as low as $910 a year in states like Idaho, Maine, and Iowa, or as much as $1,970 on average in Michigan, Louisiana, and New York.

View Chart as Image

With so much variability in rates, the only way to know your exact price is to get quotes from multiple companies. Every company uses a different rate calculation, and quoted rates can be significantly different between companies.

How to Buy Cheap Kia Sorento Insurance

Saving money on insurance for a Kia Sorento not only requires being safe and accident-free, but also having above-average credit, eliminating unneeded coverage, and maximizing policy discounts. Spend time shopping around every time your policy renews by requesting rates from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

Below you'll find a brief summary of the information touched on above.

• Drivers can save up to $170 per year simply by quoting early and online
• Youthful drivers are expensive to insure, costing as high as $433 per month if full coverage is included
• Increasing deductibles could save up to $550 each year
• Drivers considered higher risk that tend to have accidents or serious violations pay an average of $1,610 more every year than a low-risk driver
• Insureds who may need more liability protection will pay about $460 each year to go from a minimum limit to higher 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.