Kia Sorento Insurance Rates

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UPDATED: Mar 30, 2024

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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 insurance prices for a Kia Sorento are $1,386 every 12 months for full coverage. Comprehensive costs an estimated $294, collision costs $536, and liability insurance costs around $398. Liability-only insurance costs as low as $460 a year, with high-risk driver insurance costing around $3,002. Teen drivers pay the most at $5,176 a year or more.

Average premium for full coverage: $1,386

Premium estimates broken down by type of coverage:

Comprehensive $294
Collision $536
Liability $398

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all states and for different Sorento trim levels.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Kia Sorento go from the cheapest price of $460 for a discount liability-only rate to a much higher rate of $3,002 for a high-risk insurance policy.

Liability Only $460
Full Coverage $1,386
High Risk $3,002

Insurance Price Range by Location

Where you live has a significant impact on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than larger metro areas.

The price range example below illustrates how where you live affects insurance prices.

Rural Areas $1,040
Small Cities $1,455
Large Cities $1,871

These rate differences show why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, rather than relying on price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rates by State, City, and Model

The chart below shows estimated Kia Sorento insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $798
  • Using higher $1,000 deductibles will save approximately $188 a year
  • The average price for a 40-year-old good driver who has $500 deductibles is $1,386
  • Choosing more expensive low deductibles for physical damage coverage increases the price to $1,754
  • Drivers with multiple violations and an at-fault accident could pay up to $3,002 or more
  • An auto insurance policy to insure a teen driver with full coverage can cost as much as $5,176 or more

View Chart as Image

Kia Sorento insurance cost comparison chart
Column chart showing full coverage Kia Sorento insurance rates range from $798 to $5,176

Insurance prices for a Kia Sorento also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.

Choosing high deductibles could cut prices by as much as $560 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $358 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay at least $5,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying $1,600 to $2,300 additional annually, depending on your age. High-risk driver insurance can be anywhere from 44% to 129% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on Kia Sorento insurance rates. A driver around age 40 might see prices as low as $920 a year in states like Iowa, Maine, and Idaho, or as much as $1,980 on average in New York, Louisiana, and Michigan.

Kia Sorento Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,254 -$132 -9.5%
Alaska $1,066 -$320 -23.1%
Arizona $1,152 -$234 -16.9%
Arkansas $1,386 -$0 0.0%
California $1,582 $196 14.1%
Colorado $1,324 -$62 -4.5%
Connecticut $1,428 $42 3.0%
Delaware $1,570 $184 13.3%
Florida $1,736 $350 25.3%
Georgia $1,282 -$104 -7.5%
Hawaii $998 -$388 -28.0%
Idaho $940 -$446 -32.2%
Illinois $1,036 -$350 -25.3%
Indiana $1,044 -$342 -24.7%
Iowa $936 -$450 -32.5%
Kansas $1,320 -$66 -4.8%
Kentucky $1,894 $508 36.7%
Louisiana $2,054 $668 48.2%
Maine $858 -$528 -38.1%
Maryland $1,142 -$244 -17.6%
Massachusetts $1,110 -$276 -19.9%
Michigan $2,410 $1,024 73.9%
Minnesota $1,162 -$224 -16.2%
Mississippi $1,662 $276 19.9%
Missouri $1,232 -$154 -11.1%
Montana $1,490 $104 7.5%
Nebraska $1,094 -$292 -21.1%
Nevada $1,664 $278 20.1%
New Hampshire $1,000 -$386 -27.8%
New Jersey $1,552 $166 12.0%
New Mexico $1,230 -$156 -11.3%
New York $1,462 $76 5.5%
North Carolina $800 -$586 -42.3%
North Dakota $1,136 -$250 -18.0%
Ohio $958 -$428 -30.9%
Oklahoma $1,426 $40 2.9%
Oregon $1,272 -$114 -8.2%
Pennsylvania $1,324 -$62 -4.5%
Rhode Island $1,852 $466 33.6%
South Carolina $1,258 -$128 -9.2%
South Dakota $1,170 -$216 -15.6%
Tennessee $1,216 -$170 -12.3%
Texas $1,672 $286 20.6%
Utah $1,028 -$358 -25.8%
Vermont $950 -$436 -31.5%
Virginia $830 -$556 -40.1%
Washington $1,074 -$312 -22.5%
West Virginia $1,272 -$114 -8.2%
Wisconsin $962 -$424 -30.6%
Wyoming $1,236 -$150 -10.8%

View Chart as Image

Kia Sorento insurance rates by U.S. city

With such a large range in prices, the only way to know which insurance company is cheapest is to compare prices from as many companies as possible. Each insurance company uses a different rate calculation, and prices will be substantially different.

Kia Sorento Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Kia Sorento $306 $542 $390 $1,396
2023 Kia Sorento $294 $536 $398 $1,386
2022 Kia Sorento $284 $524 $416 $1,382
2021 Kia Sorento $274 $502 $430 $1,364
2020 Kia Sorento $260 $484 $442 $1,344
2019 Kia Sorento $250 $450 $452 $1,310
2018 Kia Sorento $240 $424 $456 $1,278
2017 Kia Sorento $230 $380 $460 $1,228
2016 Kia Sorento $214 $350 $460 $1,182
2015 Kia Sorento $206 $328 $464 $1,156
2014 Kia Sorento $202 $306 $474 $1,140
2013 Kia Sorento $186 $284 $474 $1,102
2012 Kia Sorento $182 $258 $478 $1,076
2011 Kia Sorento $170 $236 $474 $1,038
2008 Kia Sorento $152 $188 $460 $958
2007 Kia Sorento $150 $178 $452 $938

Rates are averaged for all Kia Sorento models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for Cheaper Kia Sorento Insurance

Finding better rates on Kia Sorento insurance requires being a good driver, having above-average credit, not filing small claims, and maximizing policy discounts. Take the time to comparison shop at least every other year by obtaining price quotes from direct carriers, and also from several local insurance agents.

The following list is a condensed summary of the car insurance concepts touched on in the above illustrations.

  • High-risk drivers with multiple at-fault accidents pay on average $1,620 more annually than a safer driver
  • Drivers can save approximately $170 per year simply by shopping early and online
  • Increasing policy deductibles could save as much as $550 each year
  • Drivers who want an increased level of liability coverage will pay about $440 each year to increase from 30/60 bodily injury limits to a 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.

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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:

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.

Rates by Driver Age

Kia Sorento Insurance Rates by Driver Age
Driver Age Premium
16 $5,176
20 $3,208
30 $1,450
40 $1,386
50 $1,268
60 $1,244

Full coverage, $500 deductibles

Rates by Deductible

Kia Sorento Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,754
$250 $1,584
$500 $1,386
$1,000 $1,198

Full coverage, driver age 40

Rates by Liability Limit

Kia Sorento Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,386
50/100 $1,466
100/300 $1,565
250/500 $1,824
100 CSL $1,505
300 CSL $1,724
500 CSL $1,884

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Sorento Insurance Rates for High Risk Drivers
Age Premium
16 $7,382
20 $5,098
30 $3,068
40 $3,002
50 $2,864
60 $2,840

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $193

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $74
Multi-vehicle $72
Homeowner $20
5-yr Accident Free $102
5-yr Claim Free $89
Paid in Full/EFT $64
Advance Quote $69
Online Quote $98
Total Discounts $588
Rate after discounts $798

Discounts are estimated and may not be available from every company or in every state.

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