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 prices for a Kia Sorento are $1,396 every 12 months for full coverage. Comprehensive costs an estimated $306 each year, collision insurance costs $542, and liability is $390. A liability-only policy costs around $452 a year, and high-risk insurance costs around $3,014. 16-year-old drivers cost the most to insure at up to $5,168 a year.

Average premium for full coverage: $1,396

Policy rates broken down by type of insurance:

Rate estimates include $500 physical damage deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and Sorento models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on insurance rates. More rural locations are shown to have more infrequent accident claims than congested cities. The graphic below illustrates the effect of geographic area on insurance prices.

The examples above show why all drivers should compare rates quotes for a targeted area and their own driving history, instead of making a decision based on rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $805
• Raising to $1,000 deductibles will save approximately $192 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,396
• Buying low deductibles increases the price to $1,768
• Drivers with multiple tickets or accidents could pay up to $3,014
• Policy cost to insure a 16-year-old driver can cost as much as $5,168

View Chart as Image

Car insurance rates for a Kia Sorento also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.

Opting for high physical damage deductibles can reduce rates by up to $570 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged at least $5,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,600 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 45% to 128% more than the average rate. View High Risk Driver Rates

Your home state also has a big influence on Kia Sorento insurance prices. A middle-age driver might find rates as low as $920 a year in states like Iowa, Maine, and Idaho, or at least $1,990 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Shop for the Best Kia Sorento Insurance

Finding cheaper rates on insurance for a Kia Sorento consists of being a safe and courteous driver, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Take the time to compare rates every couple of years by requesting quotes from direct carriers, and also from several local insurance agents.

Below is a brief recap of the material that was covered in the above illustrations.

• Insureds who want higher levels of liability will pay around $430 each year to raise from a 30/60 limit to a 250/500 level
• Teenage drivers have the highest car insurance rates, costing up to $431 each month if the policy includes full coverage
• Drivers considered higher risk who tend to receive serious violations pay on average $1,620 more annually for auto insurance
• Increasing comprehensive and collision deductibles could save as much as $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.