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.

U.S. average insurance rates for a Kia Sorento are $1,386 a year with full coverage. Comprehensive costs around $294 a year, collision costs $536, and liability is $398. Buying just liability costs around $460 a year, with insurance for high-risk drivers costing around $3,002. Teen drivers pay the highest rates at $5,176 a year or more.

Average premium for full coverage: $1,386

Price estimates for individual coverage:

Prices include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and Sorento trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population have lower incidents of collision claims than larger metro areas.

The diagram below illustrates how location impacts auto insurance rates.

The ranges above demonstrate why it is important to compare rates quotes for a specific zip code, instead of using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $798
• Raising to $1,000 deductibles will save about $1,198 annually
• The estimated price for the average middle-age driver using $500 deductibles is $1,386
• Choosing low $100 deductibles bumps up the cost to $1,754
• At-risk drivers with multiple violations and an at-fault accident could pay at least $3,002 or more
• The price that insures a teen driver can be $5,176

View Chart as Image

Insurance prices for a Kia Sorento are also quite variable based on the trim level of your Sorento, your age and driving habits, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you may be forking out at least $1,600 to $2,300 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 129% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $5,100 a year. View Rates by Age

The state you live in also has a big influence on Kia Sorento insurance prices. A middle-age driver might find prices as low as $1,000 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,870 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles can reduce prices by up to $560 every year, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $358 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out your exact price is to get quotes and see which company has the best price. Every auto insurance company uses a different rate calculation, and prices may be quite different.

How to Find the Right Kia Sorento Insurance

Getting lower rates on car insurance consists of being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Shop around at least every other year by quoting rates from direct companies, and also from your local independent and exclusive agents.

The items below are a quick rundown of the car insurance concepts touched on above.

• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,620 more every year to insure their Sorento
• You may be able to save up to $170 per year simply by quoting early and online
• Increasing physical damage deductibles can save approximately $550 each year
• Policyholders who may need more liability coverage will pay about $440 every year to raise from a low limit to the 250/500 level

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.