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 auto insurance rates for a Kia Sorento are $1,386 annually for full coverage insurance. Comprehensive costs around $294, collision costs $536, and liability insurance costs $398. A policy with just liability insurance costs as little as $460 a year, with coverage for high-risk drivers costing around $3,002. Teenage drivers receive the highest rates at $5,176 a year or more.

Average premium for full coverage: $1,386

Rate estimates for individual coverage type:

Rate estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for different Sorento trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

These examples illustrate why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, rather than relying on average rates.

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

Additional Charts and Tables

The chart below illustrates estimated 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 $188 each year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,386
• Using more expensive low deductibles for comprehensive and collision insurance will cost $1,754
• High risk drivers who are prone to accidents and violations could pay at least $3,002 or more
• The cost with full coverage for a teen driver with full coverage can be $5,176 a year

View Chart as Image

Insurance rates for a Kia Sorento can also vary considerably based on the trim level of your Sorento, your risk profile, and deductibles and policy limits.

An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at least $1,600 to $2,300 additional per year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $560 each year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Kia Sorento insurance rates. 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

With so much variability in rates, the only way to figure out your exact price is to compare rates from as many companies as possible. Every company uses a different method to calculate rates, and rates can be significantly different between companies.

How to Buy the Best Kia Sorento Insurance

Saving money on Kia Sorento insurance not only requires being a safe and courteous driver, but also having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates every year by getting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

Below is a brief recap of the coverage data covered above.

• It is possible to save up to $170 per year simply by shopping early and online
• Increasing deductibles could save up to $550 each year
• Teenage drivers are charged the highest rates, costing up to $431 per month if they have full coverage
• High-risk drivers who tend to receive serious violations pay on average $1,620 more every year for auto 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.