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.

Average insurance rates for a Kia Sorento are $1,382 a year for full coverage insurance. Comprehensive costs around $284, collision costs $524, and liability coverage is estimated at $416. Buying just liability costs approximately $474 a year, with insurance for high-risk drivers costing around $2,996. 16-year-old drivers receive the highest rates at $5,192 a year or more.

Average premium for full coverage: $1,382

Rate estimates for individual coverage type:

Prices are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for different Sorento trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than congested cities.

The price range example below illustrates how geographic area affects auto insurance rates.

These examples illustrate why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, rather than using rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $795
• Choosing higher $1,000 deductibles can save about $184 each year
• The average rate for a 40-year-old driver using $500 deductibles is $1,382
• Buying more expensive low deductibles for comp and collision coverage will increase the cost to $1,738
• Drivers with multiple tickets or accidents could pay at least $2,996 or more
• The cost for full coverage for a teenage driver with full coverage can be $5,192 each year

View Chart as Image

Auto insurance rates for a Kia Sorento can also vary considerably based on your driver profile, the model year and trim level, and deductibles and policy limits.

An older driver with a good driving record and high deductibles may only pay around $1,300 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay as much as $5,100 a year. View Rates by Age

Where you live plays a big part in determining prices for Kia Sorento insurance rates. A good driver about age 40 could pay as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,870 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $540 a year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $375 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at least $1,600 to $2,300 in extra premium per year, depending on your age. High-risk driver insurance ranges around 44% to 129% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the only way to figure out your exact price is to compare rates and see how they stack up. Each auto insurer utilizes a different rate formula, and quoted rates can be significantly different from one company to the next.

How to Find Affordable Kia Sorento Insurance

Saving money on auto insurance takes being a low-risk driver, having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates every time your policy renews by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The items below are a brief review of the information presented in the illustrations above.

• It is possible to save up to $170 per year simply by shopping early and online
• Teen drivers are expensive to insure, costing up to $433 per month if they have full coverage
• Increasing deductibles can save around $550 each year
• Drivers with DUI or reckless driving convictions may pay on average $1,610 more every year to insure their Sorento
• Consumers who may need more liability coverage will pay around $460 annually to raise limits from a minimum limit to 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.