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.

Estimated insurance prices for a Kia Sorento are $1,386 every 12 months for full coverage insurance. Comprehensive insurance costs around $294 a year, collision insurance costs $536, and liability costs $398. A liability-only policy costs as little as $460 a year, and high-risk insurance costs $3,002 or more. Teenage drivers pay the most at up to $5,176 a year.

Average premium for full coverage: $1,386

Premium estimates for type of coverage:

Full coverage includes $500 deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and Sorento trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than densely populated cities. The diagram below illustrates how your location can change auto insurance rates.

These rate differences illustrate why it is important to compare rates for a specific zip code and their own driving history, instead of making a decision based on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $798
• Drivers who choose higher $1,000 deductibles will pay about $1,198 each year
• The average price for a 40-year-old good driver using $500 deductibles is $1,386
• Using low $100 deductibles for comprehensive and collision insurance costs an extra $368 annually
• Drivers who are prone to accidents and violations could pay at least $3,002
• An auto insurance policy to insure a 16-year-old driver can be $5,176 a year

View Chart as Image

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

Using high physical damage deductibles could save up to $560 annually, while buying higher liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $358 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay as much as $5,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at least $1,600 to $2,300 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost from 44% to 129% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Kia Sorento insurance prices. A 40-year-old driver could pay as low as $910 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,870 on average in Michigan, New York, and Florida.

View Chart as Image

How to Shop for More Affordable Kia Sorento Insurance

Finding better rates on insurance for a Kia Sorento not only requires not taking risks behind the wheel, but also having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Invest the time to shop around every time your policy renews by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The following is a summary of the information illustrated above.

• It is possible to save up to $170 per year just by quoting early and online
• Teens are expensive to insure, with premiums being up to $431 per month if comprehensive and collision insurance is included
• Increasing policy deductibles could save as much as $550 each year
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,620 more every year for Sorento insurance
• Insureds who may need higher liability limits will pay an extra $440 annually to go 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.

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.