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.
U.S. average insurance prices for a Kia Sorento are $1,396 every 12 months with full coverage. Comprehensive costs approximately $306 a year, collision insurance costs $542, and liability insurance is $390. Liability-only coverage costs around $452 a year, and high-risk coverage costs around $3,014. Teen drivers pay the highest rates at up to $5,168 a year.
Average premium for full coverage: $1,396
Price estimates by individual coverage:
Estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Sorento trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Kia Sorento insurance prices range from the cheapest price of $452 for just liability insurance to a high of $3,014 for a driver who has had serious violations or accidents.
Geographic Price Range
Choosing to live in a large city has a significant impact on the price of insurance. Rural locations have more infrequent collision claims than larger metro areas. The diagram below illustrates how where you live affects auto insurance prices.
The ranges above demonstrate why it is important to compare rates quotes using their specific location 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.
More Rate Details
The chart below details average Kia Sorento insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $805
- Raising to $1,000 deductibles will save $1,204 annually
- The average price for the average middle-age driver who chooses $500 deductibles is $1,396
- Choosing low $100 deductibles increases the price to $1,768
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,014
- The price to insure a teen driver can cost $5,168
Auto insurance prices for a Kia Sorento are also quite variable based on deductibles and policy limits, your driving record, and the model of your Sorento.
Choosing high deductibles can reduce prices by up to $570 each year, while buying higher liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $351 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles could pay as little as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay in the ballpark of $5,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,600 to $2,300 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 45% to 128% more than average. View High Risk Driver Rates
The state you live in also has a big influence on Kia Sorento insurance rates. A middle-age driver might find prices as low as $1,010 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,890 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,262 | -$134 | -9.6% |
| Alaska | $1,070 | -$326 | -23.4% |
| Arizona | $1,158 | -$238 | -17.0% |
| Arkansas | $1,396 | -$0 | 0.0% |
| California | $1,590 | $194 | 13.9% |
| Colorado | $1,332 | -$64 | -4.6% |
| Connecticut | $1,436 | $40 | 2.9% |
| Delaware | $1,580 | $184 | 13.2% |
| Florida | $1,748 | $352 | 25.2% |
| Georgia | $1,290 | -$106 | -7.6% |
| Hawaii | $1,002 | -$394 | -28.2% |
| Idaho | $944 | -$452 | -32.4% |
| Illinois | $1,040 | -$356 | -25.5% |
| Indiana | $1,052 | -$344 | -24.6% |
| Iowa | $944 | -$452 | -32.4% |
| Kansas | $1,328 | -$68 | -4.9% |
| Kentucky | $1,904 | $508 | 36.4% |
| Louisiana | $2,068 | $672 | 48.1% |
| Maine | $862 | -$534 | -38.3% |
| Maryland | $1,152 | -$244 | -17.5% |
| Massachusetts | $1,118 | -$278 | -19.9% |
| Michigan | $2,426 | $1,030 | 73.8% |
| Minnesota | $1,166 | -$230 | -16.5% |
| Mississippi | $1,672 | $276 | 19.8% |
| Missouri | $1,238 | -$158 | -11.3% |
| Montana | $1,500 | $104 | 7.4% |
| Nebraska | $1,102 | -$294 | -21.1% |
| Nevada | $1,674 | $278 | 19.9% |
| New Hampshire | $1,004 | -$392 | -28.1% |
| New Jersey | $1,560 | $164 | 11.7% |
| New Mexico | $1,238 | -$158 | -11.3% |
| New York | $1,470 | $74 | 5.3% |
| North Carolina | $804 | -$592 | -42.4% |
| North Dakota | $1,142 | -$254 | -18.2% |
| Ohio | $966 | -$430 | -30.8% |
| Oklahoma | $1,434 | $38 | 2.7% |
| Oregon | $1,278 | -$118 | -8.5% |
| Pennsylvania | $1,332 | -$64 | -4.6% |
| Rhode Island | $1,862 | $466 | 33.4% |
| South Carolina | $1,266 | -$130 | -9.3% |
| South Dakota | $1,176 | -$220 | -15.8% |
| Tennessee | $1,224 | -$172 | -12.3% |
| Texas | $1,684 | $288 | 20.6% |
| Utah | $1,032 | -$364 | -26.1% |
| Vermont | $956 | -$440 | -31.5% |
| Virginia | $836 | -$560 | -40.1% |
| Washington | $1,078 | -$318 | -22.8% |
| West Virginia | $1,280 | -$116 | -8.3% |
| Wisconsin | $966 | -$430 | -30.8% |
| Wyoming | $1,246 | -$150 | -10.7% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Kia Sorento | $322 | $562 | $372 | $1,414 |
| 2023 Kia Sorento | $306 | $542 | $390 | $1,396 |
| 2022 Kia Sorento | $294 | $536 | $398 | $1,386 |
| 2021 Kia Sorento | $284 | $524 | $416 | $1,382 |
| 2020 Kia Sorento | $274 | $502 | $430 | $1,364 |
| 2019 Kia Sorento | $260 | $484 | $442 | $1,344 |
| 2018 Kia Sorento | $250 | $450 | $452 | $1,310 |
| 2017 Kia Sorento | $240 | $424 | $456 | $1,278 |
| 2016 Kia Sorento | $230 | $380 | $460 | $1,228 |
| 2015 Kia Sorento | $214 | $350 | $460 | $1,182 |
| 2014 Kia Sorento | $206 | $328 | $464 | $1,156 |
| 2013 Kia Sorento | $202 | $306 | $474 | $1,140 |
| 2012 Kia Sorento | $186 | $284 | $474 | $1,102 |
| 2011 Kia Sorento | $182 | $258 | $478 | $1,076 |
| 2008 Kia Sorento | $154 | $192 | $468 | $972 |
| 2007 Kia Sorento | $152 | $188 | $460 | $958 |
| 2004 Kia Sorento | $132 | $162 | $442 | $894 |
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 Low Cost Kia Sorento Insurance
Getting lower rates on Kia Sorento insurance consists of not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Take the time to comparison shop every other policy renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following is a review of the ideas that were touched on in the above illustrations.
- Teens have the highest car insurance prices, costing up to $431 a month if comprehensive and collision insurance is included
- High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,620 more per year for Sorento insurance
- Increasing physical damage deductibles could save as much as $575 each year
- You may be able to save around $170 per year just by quoting early and online
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,168 |
| 20 | $3,214 |
| 30 | $1,456 |
| 40 | $1,396 |
| 50 | $1,274 |
| 60 | $1,250 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,768 |
| $250 | $1,596 |
| $500 | $1,396 |
| $1,000 | $1,204 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,396 |
| 50/100 | $1,474 |
| 100/300 | $1,572 |
| 250/500 | $1,825 |
| 100 CSL | $1,513 |
| 300 CSL | $1,728 |
| 500 CSL | $1,884 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,376 |
| 20 | $5,110 |
| 30 | $3,080 |
| 40 | $3,014 |
| 50 | $2,874 |
| 60 | $2,848 |
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.
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 | $103 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $64 |
| Advance Quote | $69 |
| Online Quote | $99 |
| Total Discounts | $591 |
Discounts are estimated and may not be available from every company or in every state.
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