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 $1,382 annually for full coverage. Comprehensive insurance costs an estimated $284, collision costs $524, and liability coverage is $416. A policy with just liability insurance costs around $474 a year, with coverage for high-risk drivers costing $2,996 or more. Teen drivers receive the highest rates at $5,192 a year or more.

Average premium for full coverage: $1,382

Rate estimates broken down by individual coverage type:

Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and for different Sorento trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. More rural locations tend to have fewer accident claims than larger metro areas.

The price range example below illustrates the effect of geographic area on insurance prices.

These examples show why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, rather than using price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $795
• Raising to $1,000 deductibles will save approximately $184 a year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,382
• Choosing more expensive low deductibles costs an additional $356 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,996 or more
• The cost with full coverage for a teenage driver with full coverage can cost as much as $5,192

View Chart as Image

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

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay at least $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,600 to $2,300 additional per year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $540 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $375 more each year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Kia Sorento insurance rates. A middle-age driver might find rates as low as $910 a year in states like Iowa, Maine, and Idaho, or as much as $1,970 on average in New York, Louisiana, and Michigan.

View Chart as Image

With so much variability in rates, the only way to know which company is cheapest is to compare rates and see how they stack up. Every auto insurance company uses a different rate calculation, and rates can be significantly different between companies.

How to Buy Low Cost Kia Sorento Insurance

Saving money on auto insurance consists of being safe and accident-free, having good credit, eliminating unneeded coverage, and maximizing policy discounts. Take the time to compare rates every time your policy renews by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

Below you'll find a review of the information covered in the above illustrations.

• Drivers can save approximately $170 per year simply by shopping early and online
• Youthful drivers are expensive to insure, costing as high as $433 per month if they have full coverage
• Increasing deductibles could save up to $550 each year
• Drivers who have several accidents or serious violations may pay on average $1,610 more annually than a low-risk driver
• Consumers who want more liability protection will pay about $460 each year to raise from a minimum limit to higher 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.