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.

Estimated auto insurance rates for a Kia Sorento are $1,382 annually including full coverage. Comprehensive costs around $284 a year, collision costs $524, and liability costs around $416. A liability-only policy costs as low as $474 a year, with high-risk insurance costing around $2,996. Teenage drivers pay the most at $5,192 a year or more.

Average premium for full coverage: $1,382

Premium estimates for type of coverage:

Prices are based on $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Sorento trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than densely populated cities.

The diagram below illustrates the difference location can make on auto insurance rates.

These rate differences highlight why it is important to compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $795
• Using higher $1,000 deductibles will save about $1,198 every year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,382
• Using low $100 deductibles for physical damage coverage will cost $1,738
• High-risk insureds who are prone to accidents and violations could pay at least $2,996 or more
• An auto insurance policy with full coverage for a 16-year-old driver can be $5,192 or more

View Chart as Image

Auto insurance prices for a Kia Sorento also have a wide range based on the model of your Sorento, your driving characteristics, and deductibles and policy limits.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, 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 have a few violations or you caused a few accidents, you are likely paying at least $1,600 to $2,300 in extra premium annually, depending on your age. A high-risk auto insurance policy can be from 44% to 129% more than a normal policy. View High Risk Driver Rates

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

Where you choose to live has a huge impact on Kia Sorento insurance prices. A driver around age 40 might see prices as low as $1,060 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,970 on average in Michigan, New York, and Louisiana.

View Chart as Image

With such a large range in prices, the best way to figure out your exact price is to get quotes from multiple companies. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially different between companies.

How to Buy Affordable Kia Sorento Insurance

Finding better rates on insurance for a Kia Sorento requires being a low-risk driver, having above-average credit, refrain from filing small claims, and maximizing policy discounts. Make time to compare rates every other policy renewal by requesting rates from direct car insurance companies, and also from your local independent and exclusive agents.

The items below are a brief review of the ideas that were touched on in this article.

• Teen drivers are expensive to insure, with the cost nearing $433 per month if full coverage is included
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,610 more every year to insure their Sorento
• Increasing policy deductibles could save up to $550 each year
• You may be able to save up to $170 per year simply by quoting early and online

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.