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 prices for a Kia Sorento are $1,382 every 12 months for full coverage. Comprehensive insurance costs on average $284, collision insurance costs $524, and liability insurance is estimated at $416. Liability-only coverage costs approximately $474 a year, and high-risk coverage costs $2,996 or more. Teens cost the most to insure at up to $5,192 a year.

Average premium for full coverage: $1,382

Policy rates by type of insurance:

These estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for different Sorento trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have more infrequent accident claims than cities with more traffic congestion. The price range example below illustrates how geographic area affects car insurance rates.

The examples above show why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, rather than relying on averaged prices.

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

Additional Rate Details

The chart below shows average Kia Sorento insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $795
• Choosing higher $1,000 deductibles can save around $184 a year
• The average price for a good driver age 40 with $500 deductibles is $1,382
• Selecting more expensive low deductibles for comp and collision coverage costs an extra $356 a year
• High-risk insureds with serious driving violations could pay upwards of $2,996
• Policy cost to insure a teen driver with full coverage may cost $5,192 each year

View Chart as Image

Insurance rates for a Kia Sorento also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your Sorento.

Choosing higher comprehensive and collision insurance deductibles can save as much as $540 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $375 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay upwards of $5,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,600 to $2,300 additional every year, depending on your age. High-risk driver insurance ranges anywhere from 44% to 129% more than the average policy. View High Risk Driver Rates

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 $910 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,970 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for Cheap Kia Sorento Insurance

Finding cheaper rates on Kia Sorento insurance takes being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to compare rates once a year by requesting rates from direct carriers, and also from local independent and exclusive agents.

Below you'll find a brief summary of the data that was presented in the illustrations above.

• Drivers can save as much as $170 per year just by shopping early and online
• Drivers who require more liability protection will pay approximately $460 each year to raise limits from a 30/60 limit to a 250/500 level
• Youthful drivers pay higher rates, costing up to $433 each month if full coverage is included
• High-risk drivers that tend to have accidents or serious violations pay an average of $1,610 more each year than a low-risk driver

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.