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 $1,382 a year including full coverage. Comprehensive insurance costs an estimated $284, collision insurance costs $524, and liability insurance is $416. Liability-only coverage costs around $474 a year, and high-risk coverage costs $2,996 or more. 16-year-old drivers cost the most to insure at up to $5,192 a year.

Average premium for full coverage: $1,382

Policy rates broken down by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Sorento models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities. The example below illustrates the difference location can make on insurance prices.

The examples above highlight why everyone should compare rates quotes for a targeted area, rather than relying on rate averages.

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

Additional Rate Analysis

The chart below breaks down average Kia Sorento insurance rates for other coverage scenarios.

• The best full coverage rate is $795
• Raising to $1,000 deductibles will save approximately $184 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,382
• Buying pricier low deductibles will cost an additional $356 a year
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,996
• Policy cost that insures a teen driver for full coverage can cost as much as $5,192

View Chart as Image

Insurance rates for a Kia Sorento also range considerably based on the model of your Sorento, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,600 to $2,300 additional every year, depending on your age. Kia Sorento insurance for high-risk drivers is expensive and can cost anywhere from 44% to 129% more than the average rate. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $5,100 a year. View Rates by Age

Your home state also has a big influence on Kia Sorento insurance rates. A middle-age driver might find rates as low as $1,060 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,970 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $540 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $375 more each year. View Rates by Deductible or Liability Limit

How to Find More Affordable Kia Sorento Insurance

Finding cheaper rates on Kia Sorento insurance consists of avoiding accidents and violations, having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Comparison shop once a year by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The list below is a summary of the data that was touched on in this article.

• You may be able to save approximately $170 per year just by quoting online well ahead of the renewal date
• Drivers who want higher liability limits will pay around $460 per year to raise from a 30/60 limit to the 250/500 level
• Teenagers are expensive to insure, with premiums being up to $433 each month if comprehensive and collision insurance is included
• High-risk drivers who have multiple accidents or major violations could be charged and average of $1,610 more annually for car insurance

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.