Kia Sorento Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Mar 30, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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 insurance rates for a Kia Sorento are $1,396 a year for full coverage. Comprehensive costs around $306, collision insurance costs $542, and liability coverage is estimated at $390. Buying just liability costs approximately $452 a year, and insurance for high-risk drivers costs around $3,014. 16-year-old drivers receive the highest rates at up to $5,168 a year.
Average premium for full coverage: $1,396
Rate estimates for individual coverage type:
These estimates include $500 physical damage deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and for different Sorento trim levels.
Price Range by Coverage and Risk
For an average driver, prices range range from as low as $452 for just liability insurance to a much higher rate of $3,014 for a driver required to buy high-risk insurance.
Price Range by Location
Living in a larger city has a large influence on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than congested cities. The price range example below illustrates the effect of geographic area on auto insurance rates.
These examples show why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, rather than using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below shows average Kia Sorento insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $805
- Choosing higher $1,000 deductibles can save about $192 a year
- The average rate for a 40-year-old driver using $500 deductibles is $1,396
- Buying more expensive low deductibles for comp and collision coverage will increase the cost to $1,768
- Drivers with multiple tickets or accidents could pay at least $3,014
- The cost for full coverage for a teenage driver with full coverage can be $5,168 each year
Auto insurance rates for a Kia Sorento can also vary considerably based on your driver profile, the trim level of your Sorento, and deductibles and policy limits.
An older driver with a good driving record and high deductibles may only pay around $1,300 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay as much as $5,100 a year. View Rates by Age
Where you live plays a big part in determining prices for Kia Sorento insurance rates. A good driver about age 40 could pay as low as $920 a year in states like Idaho, Maine, and Iowa, or at least $1,990 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,262 | -$134 | -9.6% |
| Alaska | $1,070 | -$326 | -23.4% |
| Arizona | $1,158 | -$238 | -17.0% |
| Arkansas | $1,396 | -$0 | 0.0% |
| California | $1,590 | $194 | 13.9% |
| Colorado | $1,332 | -$64 | -4.6% |
| Connecticut | $1,436 | $40 | 2.9% |
| Delaware | $1,580 | $184 | 13.2% |
| Florida | $1,748 | $352 | 25.2% |
| Georgia | $1,290 | -$106 | -7.6% |
| Hawaii | $1,002 | -$394 | -28.2% |
| Idaho | $944 | -$452 | -32.4% |
| Illinois | $1,040 | -$356 | -25.5% |
| Indiana | $1,052 | -$344 | -24.6% |
| Iowa | $944 | -$452 | -32.4% |
| Kansas | $1,328 | -$68 | -4.9% |
| Kentucky | $1,904 | $508 | 36.4% |
| Louisiana | $2,068 | $672 | 48.1% |
| Maine | $862 | -$534 | -38.3% |
| Maryland | $1,152 | -$244 | -17.5% |
| Massachusetts | $1,118 | -$278 | -19.9% |
| Michigan | $2,426 | $1,030 | 73.8% |
| Minnesota | $1,166 | -$230 | -16.5% |
| Mississippi | $1,672 | $276 | 19.8% |
| Missouri | $1,238 | -$158 | -11.3% |
| Montana | $1,500 | $104 | 7.4% |
| Nebraska | $1,102 | -$294 | -21.1% |
| Nevada | $1,674 | $278 | 19.9% |
| New Hampshire | $1,004 | -$392 | -28.1% |
| New Jersey | $1,560 | $164 | 11.7% |
| New Mexico | $1,238 | -$158 | -11.3% |
| New York | $1,470 | $74 | 5.3% |
| North Carolina | $804 | -$592 | -42.4% |
| North Dakota | $1,142 | -$254 | -18.2% |
| Ohio | $966 | -$430 | -30.8% |
| Oklahoma | $1,434 | $38 | 2.7% |
| Oregon | $1,278 | -$118 | -8.5% |
| Pennsylvania | $1,332 | -$64 | -4.6% |
| Rhode Island | $1,862 | $466 | 33.4% |
| South Carolina | $1,266 | -$130 | -9.3% |
| South Dakota | $1,176 | -$220 | -15.8% |
| Tennessee | $1,224 | -$172 | -12.3% |
| Texas | $1,684 | $288 | 20.6% |
| Utah | $1,032 | -$364 | -26.1% |
| Vermont | $956 | -$440 | -31.5% |
| Virginia | $836 | -$560 | -40.1% |
| Washington | $1,078 | -$318 | -22.8% |
| West Virginia | $1,280 | -$116 | -8.3% |
| Wisconsin | $966 | -$430 | -30.8% |
| Wyoming | $1,246 | -$150 | -10.7% |
Opting for high physical damage deductibles can save as much as $570 a year, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $351 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at least $1,600 to $2,300 in extra premium per year, depending on your age. High-risk driver insurance ranges around 45% to 128% more than the average rate. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Kia Sorento | $322 | $562 | $372 | $1,414 |
| 2023 Kia Sorento | $306 | $542 | $390 | $1,396 |
| 2022 Kia Sorento | $294 | $536 | $398 | $1,386 |
| 2021 Kia Sorento | $284 | $524 | $416 | $1,382 |
| 2020 Kia Sorento | $274 | $502 | $430 | $1,364 |
| 2019 Kia Sorento | $260 | $484 | $442 | $1,344 |
| 2018 Kia Sorento | $250 | $450 | $452 | $1,310 |
| 2017 Kia Sorento | $240 | $424 | $456 | $1,278 |
| 2016 Kia Sorento | $230 | $380 | $460 | $1,228 |
| 2015 Kia Sorento | $214 | $350 | $460 | $1,182 |
| 2014 Kia Sorento | $206 | $328 | $464 | $1,156 |
| 2013 Kia Sorento | $202 | $306 | $474 | $1,140 |
| 2012 Kia Sorento | $186 | $284 | $474 | $1,102 |
| 2011 Kia Sorento | $182 | $258 | $478 | $1,076 |
| 2008 Kia Sorento | $154 | $192 | $468 | $972 |
| 2007 Kia Sorento | $152 | $188 | $460 | $958 |
| 2004 Kia Sorento | $132 | $162 | $442 | $894 |
Rates are averaged for all Kia Sorento models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheap Kia Sorento Insurance
Saving money on auto insurance takes being a safe and courteous driver, having good credit, eliminating unneeded coverage, and possibly raising deductibles. Take the time to compare rates at every policy renewal by obtaining price quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.
Below is a brief summary of the data covered in the above illustrations.
- Consumers who may need higher levels of liability will pay around $430 each year to raise limits from a minimum limit to 250/500 limits
- Drivers can save up to $170 per year just by shopping early and online
- Increasing deductibles can save around $575 each year
- Teenage drivers are expensive to insure, costing as high as $431 per month if they have full coverage
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.
Compare Quotes From Top Companies and SaveFree Car Insurance Comparison
Secured with SHA-256 Encryption
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:
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,168 |
| 20 | $3,214 |
| 30 | $1,456 |
| 40 | $1,396 |
| 50 | $1,274 |
| 60 | $1,250 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,768 |
| $250 | $1,596 |
| $500 | $1,396 |
| $1,000 | $1,204 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,396 |
| 50/100 | $1,474 |
| 100/300 | $1,572 |
| 250/500 | $1,825 |
| 100 CSL | $1,513 |
| 300 CSL | $1,728 |
| 500 CSL | $1,884 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,376 |
| 20 | $5,110 |
| 30 | $3,080 |
| 40 | $3,014 |
| 50 | $2,874 |
| 60 | $2,848 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $74 |
| Multi-vehicle | $72 |
| Homeowner | $20 |
| 5-yr Accident Free | $103 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $64 |
| Advance Quote | $69 |
| Online Quote | $99 |
| Total Discounts | $591 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
