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.

Estimated insurance rates for a Kia Sorento are $1,386 a year including full coverage. Comprehensive insurance costs an estimated $294, collision costs $536, and liability costs $398. A liability-only policy costs as little as $460 a year, with high-risk insurance costing $3,002 or more. Teen drivers pay the most at $5,176 a year or more.

Average premium for full coverage: $1,386

Premium estimates broken down by type of coverage:

Rates are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for different Sorento trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas.

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

These rate differences highlight why anyone shopping for car insurance should compare rates for a targeted area, instead of making a decision based on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $798
• Drivers who choose higher $1,000 deductibles will pay approximately $188 every year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,386
• Choosing more expensive low deductibles for comprehensive and collision insurance will cost an additional $368 annually
• Drivers with multiple violations and an at-fault accident could pay up to $3,002 or more
• An auto insurance policy that insures a 16-year-old driver with full coverage can cost as much as $5,176 a year

View Chart as Image

Auto insurance prices for a Kia Sorento also have a wide range based on the model year and trim level, your driving record and age, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are likely paying $1,600 to $2,300 in extra premium annually, depending on your age. High-risk driver insurance can cost from 44% to 129% more than average. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay at least $5,100 a year. View Rates by Age

Where you choose to live makes a big difference in Kia Sorento insurance prices. A 40-year-old driver could pay as low as $1,070 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,980 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $560 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $358 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out which insurance company is cheapest is to compare prices from multiple companies. Every company uses a different rate calculation, and quoted prices will be substantially different.

How to Find the Best Cheap Kia Sorento Insurance

Finding better rates on insurance for a Kia Sorento not only requires being a safe and courteous driver, but also maintaining a good credit score, refrain from filing small claims, and qualifying for all possible discounts. Shop around every time your policy renews by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

Below is a quick review of the information covered above.

• You may be able to save approximately $170 per year simply by shopping early and online
• Teenage drivers are the costliest to insure, with the cost nearing $431 per month if the policy includes full coverage
• Increasing policy deductibles can save approximately $550 each year
• Drivers considered higher risk with a DUI or reckless driving violation could be charged and average of $1,620 more annually for auto insurance
• Insureds who want higher levels of liability will pay about $440 per year to go from 30/60 bodily injury limits 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.