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 rates for a Kia Sorento are $1,386 a year with full coverage. Comprehensive costs on average $294, collision costs $536, and liability costs around $398. A liability-only policy costs as low as $460 a year, with high-risk insurance costing around $3,002. Teens cost the most to insure at $5,176 a year or more.

Average premium for full coverage: $1,386

Policy rates by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for all Sorento models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on car insurance rates.

The examples above demonstrate why everyone should compare prices based on a specific location and risk profile, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

The chart below details estimated Kia Sorento insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $798
• Using higher $1,000 deductibles will save around $188 annually
• The average rate for a good driver age 40 with $500 deductibles is $1,386
• Selecting pricier low deductibles for physical damage coverage will increase the cost to $1,754
• High-risk insureds with serious driving violations could pay upwards of $3,002 or more
• Policy cost for full coverage for a 16-year-old driver for full coverage may cost $5,176 or more

View Chart as Image

Car insurance rates for a Kia Sorento also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.

A more mature driver with no driving violations and high deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $5,100 a year. View Rates by Age

Your home state has a huge impact on Kia Sorento insurance prices. A driver around age 40 might see rates as low as $1,000 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,870 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $560 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,600 to $2,300 extra every year, depending on your age. Kia Sorento insurance for high-risk drivers can be from 44% to 129% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates from multiple companies. Each insurance company calculates rates differently, so rate quotes will be varied from one company to the next.

How to Find More Affordable Kia Sorento Insurance

Finding cheaper rates on insurance for a Kia Sorento requires avoiding accidents and violations, having above-average credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates at least once a year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The list below is a summary of the primary concepts that were covered above.

• You may be able to save as much as $170 per year simply by quoting online well ahead of the renewal date
• Drivers considered higher risk who have multiple accidents or major violations may be required to pay an average of $1,620 more each year for car insurance
• Increasing comprehensive and collision deductibles can save around $550 each year
• Teenagers are expensive to insure, as much as $431 each month if full coverage is included

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.