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.

The average insurance rates for a Kia Sorento are $1,386 a year for full coverage. Comprehensive costs on average $294, collision costs $536, and liability is estimated at $398. Liability-only coverage costs approximately $460 a year, with high-risk coverage costing around $3,002. Teen drivers cost the most to insure at $5,176 a year or more.

Average premium for full coverage: $1,386

Policy rates by type of insurance:

These estimates include $500 deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for all Sorento models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas are shown to have lower incidents of accident claims than larger metro areas.

The example below illustrates how where you live affects car insurance rates.

The examples above show why everyone should get quotes based on a specific location, instead of using price averages.

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

More Rate Information

The chart below shows estimated Kia Sorento insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $798
• Choosing higher $1,000 deductibles can save around $188 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,386
• Choosing pricier low deductibles for comp and collision coverage bumps up the cost to $1,754
• Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $3,002 or more
• Policy cost that insures a teen driver for full coverage may cost $5,176 each year

View Chart as Image

Insurance rates for a Kia Sorento also range considerably based on the model of your Sorento, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,600 to $2,300 additional every year, depending on your age. Kia Sorento insurance for high-risk drivers ranges as much as 44% to 129% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $5,100 a year. View Rates by Age

Your home state plays a big part in determining prices for Kia Sorento insurance prices. A good driver about age 40 could pay as low as $920 a year in states like Idaho, Maine, and Iowa, or as much as $1,980 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can save as much as $560 every year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know exactly what you will pay is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, and rates will be varied.

How to Find Cheap Kia Sorento Insurance

Finding cheaper rates on car insurance takes not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Shop around every time your policy renews by getting quotes from direct carriers, and also from local exclusive and independent agents.

The following is a brief summary of the information touched on in the above illustrations.

• Drivers can save as much as $170 per year simply by quoting online well ahead of the renewal date
• Teens pay higher rates, costing up to $431 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles can save approximately $550 each year
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,620 more each year for Sorento insurance
• Policyholders who require higher liability limits will pay about $440 each year to raise limits from a 30/60 limit to the 250/500 level

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.