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 $1,396 annually for full coverage insurance. Comprehensive insurance costs around $306 each year, collision costs $542, and liability costs $390. A policy with just liability insurance costs as little as $452 a year, with coverage for high-risk drivers costing $3,014 or more. 16-year-old drivers receive the highest rates at $5,168 a year or more.

Average premium for full coverage: $1,396

Rate estimates for individual coverage type:

These estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and Sorento models.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than congested cities.

The graphic below illustrates how rural and urban location affects auto insurance rates.

These examples illustrate why all drivers should compare rates for a specific zip code and their own personal driving habits, instead of using rate averages.

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

More Rate Details

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

• The best full coverage rate is $805
• Drivers who choose higher $1,000 deductibles will pay about $192 each year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,396
• Buying low deductibles for comprehensive and collision insurance costs an additional $372 every year
• Higher-risk drivers with multiple tickets or accidents could pay at least $3,014 or more
• The cost with full coverage for a teen driver can be $5,168 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.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,300 per year on average for full coverage. Rates are highest 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. Insurance for high-risk drivers can cost as much as 45% to 128% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $570 every year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $351 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Kia Sorento insurance prices. A 40-year-old driver could pay as low as $910 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,890 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 do a rate comparison and see which company has the best rate. Every company utilizes a different rate formula, and rates can be significantly different between companies.

How to Buy Cheap Kia Sorento Insurance

Saving money on car insurance not only requires avoiding accidents and violations, but also having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around every couple of years by requesting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The list below is a brief summary of the material that was raised in the charts and tables above.

• Policyholders who may need higher liability limits will pay around $430 annually to go from a minimum limit to higher 250/500 limits
• Teenagers are charged the highest rates, costing up to $431 per month if they have full coverage
• Higher risk drivers that tend to have accidents or serious violations pay on average $1,620 more every year for car insurance
• Increasing deductibles could save up to $575 each year

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.