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 auto insurance rates for a Kia Sorento are $1,386 annually with full coverage. Comprehensive insurance costs around $294, collision insurance costs $536, and liability coverage is estimated at $398. Liability-only coverage costs approximately $460 a year, and high-risk coverage costs $3,002 or more. Teen drivers pay the highest rates at up to $5,176 a year.

Average premium for full coverage: $1,386

Price estimates for individual coverage:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for all Sorento models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on insurance rates. Areas with sparse population have fewer collision claims than larger metro areas. The example below illustrates how location helps determine auto insurance rates.

The ranges above demonstrate why everyone should get quotes for a specific zip code and their own personal driving habits, rather than using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $798
• Choosing higher $1,000 deductibles can save about $188 annually
• The estimated rate for the average middle-age driver using $500 deductibles is $1,386
• Choosing pricier low deductibles for comp and collision coverage costs an additional $368 each year
• Drivers with multiple violations and an at-fault accident could pay at least $3,002
• The price with full coverage for a teenage driver for full coverage can be $5,176 each year

View Chart as Image

Auto insurance prices for a Kia Sorento are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.

A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,300 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay as much as $5,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at least $1,600 to $2,300 in extra premium each year, depending on your age. Kia Sorento insurance for high-risk drivers ranges around 44% to 129% more than average. View High Risk Driver Rates

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

The state you live in plays a big part in determining prices for Kia Sorento insurance rates. A good driver about age 40 could pay 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

How to Buy Cheaper Kia Sorento Insurance

Getting lower rates on auto insurance takes being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest time comparing rates at every policy renewal by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a condensed summary of the data covered in the charts and tables above.

• Consumers who may need more liability protection will pay about $440 every year to raise limits from a low limit to higher 250/500 limits
• You may be able to save up to $170 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $550 each year
• Youthful drivers are expensive to insure, costing up to $431 a 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.