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 prices for a Kia Sorento are $894 every 12 months with full coverage. Comprehensive insurance costs around $132 each year, collision costs $162, and liability costs around $442. Buying just liability costs as low as $496 a year, with insurance for high-risk drivers costing $1,918 or more. Teen drivers receive the highest rates at $3,674 a year or more.

Average premium for full coverage: $894

Rate estimates for individual coverage type:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and Sorento models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on insurance rates. Areas with sparse population tend to have more infrequent collision claims than larger metro areas.

The graphic below illustrates how location helps determine auto insurance rates.

These examples demonstrate why all drivers should compare prices for a specific zip code and their own driving history, instead of using price averages.

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

More Rate Details

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

• The lowest rate with discounts is $552
• Using higher $1,000 deductibles will save about $68 annually
• The average price for a 40-year-old driver using $500 deductibles is $894
• Choosing low deductibles for physical damage coverage costs an extra $126 every year
• Drivers with multiple violations and an at-fault accident could pay at least $1,918 or more
• The cost to insure a teen driver can be $3,674 or more

View Chart as Image

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

Choosing high deductibles could cut rates by as much as $200 every year, whereas increasing liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as little as $900 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay as much as $3,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,100 to $1,500 in extra premium per year, depending on your age. Insurance for high-risk drivers can be as much as 41% to 136% more than average. View High Risk Driver Rates

Where you live has a huge impact on Kia Sorento insurance prices. A driver around age 40 might see rates as low as $650 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,210 on average in Florida, Michigan, and New York.

View Chart as Image

With so much variability in rates, the best way to find out your exact price is to do a rate comparison and see which company has the best rate. Each insurance company uses a different rate calculation, and quoted rates can be significantly different.

How to Shop for Cheap Kia Sorento Insurance

Saving money on car insurance requires avoiding accidents and violations, having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Invest time comparing rates every year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a brief summary of the coverage data covered in the charts and tables above.

• You may be able to save up to $100 per year simply by quoting online in advance
• Increasing deductibles could save as much as $200 each year
• Teenagers are expensive to insure, with premiums as much as $306 per month if comprehensive and collision insurance is included
• Higher risk drivers that tend to have accidents or serious violations pay on average $1,020 more every year 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.