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.

U.S. average insurance rates for a Kia Sorento are $1,386 a year for full coverage. Comprehensive costs an estimated $294 each year, collision insurance costs $536, and liability coverage costs $398. Liability-only insurance costs as little as $460 a year, and high-risk driver insurance costs around $3,002. Teenage drivers pay the highest rates at up to $5,176 a year.

Average premium for full coverage: $1,386

Price estimates broken down by individual coverage:

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and Sorento models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on insurance rates. More rural locations have a lower frequency of accident claims than densely populated cities. The graphic below illustrates how rural and urban location affects insurance prices.

The ranges above show why all drivers should compare rates for a targeted area and risk profile, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $798
• Drivers who choose higher $1,000 deductibles will pay approximately $188 a year
• The average rate for the average middle-age driver who has $500 deductibles is $1,386
• Using low deductibles for comprehensive and collision insurance will increase the cost to $1,754
• High-risk insureds who are prone to accidents and violations could pay up to $3,002
• The price for full coverage for a teenage driver can cost as much as $5,176 a year

View Chart as Image

Car insurance prices for a Kia Sorento are also quite variable based on your driving record, the trim level of your Sorento, and liability limits and deductibles.

More mature drivers with no driving violations and high deductibles may only pay around $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged at least $5,100 a year. View Rates by Age

The state you live in makes a big difference in Kia Sorento insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,980 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $560 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying $1,600 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers can cost around 44% to 129% more than a normal policy. View High Risk Driver Rates

How to Find Cheap Kia Sorento Insurance

Getting lower rates on auto insurance not only requires avoiding accidents and claims, but also having above-average credit, eliminating unnecessary coverage, and possibly higher deductibles. Set aside time to shop around every time your policy renews by requesting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The points below are a brief summary of the information raised in the charts and tables above.

• Drivers can save approximately $170 per year just by quoting online in advance
• Drivers under the age of 20 have the highest car insurance prices, with premiums as much as $431 a month if full coverage is included
• Increasing physical damage deductibles can save around $550 each year
• Drivers that tend to have accidents or serious violations pay an average of $1,620 more annually to insure a Kia Sorento
• Consumers who want increased liability limits will pay an extra $440 each year to go from a low limit to 250/500 limits

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.