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 auto insurance rates for a Kia Sorento are $1,386 annually for full coverage. Comprehensive costs approximately $294, collision insurance costs $536, and liability insurance costs around $398. Liability-only insurance costs as low as $460 a year, and high-risk driver insurance costs around $3,002. Teenage drivers cost the most to insure at up to $5,176 a year.

Average premium for full coverage: $1,386

Policy rates by type of insurance:

Prices include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for different Sorento trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural locations are shown to have fewer accident claims than densely populated cities. The price range example below illustrates how rural and urban location affects auto insurance prices.

The examples above show why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, rather than relying on average rates.

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

Rate Comparisons

The chart below shows average Kia Sorento insurance rates for additional coverage and risk scenarios.

• The best discount rate is $798
• Using higher $1,000 deductibles will save $188 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,386
• Using more expensive low deductibles for physical damage coverage will cost $1,754
• Drivers who are prone to accidents and violations could pay around $3,002
• Policy cost with full coverage for a teen driver with full coverage can cost $5,176 or more

View Chart as Image

Auto insurance rates for a Kia Sorento also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.

An older driver with a good driving record and high physical damage deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $5,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,600 to $2,300 in extra premium every year, depending on your age. High-risk driver insurance can be anywhere from 44% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $560 each year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 extra every year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Kia Sorento insurance rates. A driver around age 40 might see rates as low as $920 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,980 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Buy the Right Kia Sorento Insurance

Finding cheaper rates on Kia Sorento insurance requires being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Set aside time to shop around at least every other year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a quick rundown of the car insurance concepts raised in the charts and tables above.

• High-risk drivers with reckless driving or DUI convictions pay on average $1,620 more per year to insure their Sorento
• Drivers can save around $170 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $550 each year
• Drivers who purchase more liability coverage will pay an extra $440 each year to increase from a 30/60 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.