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 $1,386 annually including full coverage. Comprehensive insurance costs around $294 a year, collision insurance costs $536, and liability coverage costs $398. Buying just liability costs as little as $460 a year, and insurance for high-risk drivers costs $3,002 or more. 16-year-old drivers receive the highest rates at up to $5,176 a year.

Average premium for full coverage: $1,386

Rate estimates for individual coverage type:

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Sorento trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than congested cities. The diagram below illustrates how your location can change auto insurance rates.

These examples highlight why it is important to compare rates for a specific zip code and their own personal driving habits, rather than using rate averages.

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

Rate Comparisons

The chart below breaks down average Kia Sorento insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $798
• Drivers who choose higher $1,000 deductibles will pay about $1,198 every year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,386
• Buying low $100 deductibles for comprehensive and collision insurance costs an additional $368 each year
• High-risk insureds with multiple tickets or accidents could pay at least $3,002
• The cost with full coverage for a teenage driver can be $5,176 a year

View Chart as Image

Auto insurance rates for a Kia Sorento can also vary considerably based on the trim level of your Sorento, your driving characteristics, and deductibles and policy limits.

Older drivers with a good driving record and high physical damage deductibles may only pay around $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have 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 likely paying at least $1,600 to $2,300 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost around 44% to 129% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $560 a year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 extra every year. View Rates by Deductible or Liability Limit

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

View Chart as Image

How to Buy Affordable Kia Sorento Insurance

Saving money on auto insurance not only requires avoiding accidents and claims, but also having above-average credit, not filing small claims, and possibly raising deductibles. Invest the time to shop around at least once a year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The points below are a brief review of the primary concepts that were illustrated above.

• You may be able to save up to $170 per year just by quoting early and online
• Drivers with DUI or reckless driving convictions may pay on average $1,620 more every year to insure a Kia Sorento
• Increasing deductibles could save up to $550 each year
• Drivers under the age of 20 are expensive to insure, as much as $431 per month if full coverage is included

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.