Kia Sorento Insurance Rates
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UPDATED: Sep 2, 2022
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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 $938 a year for full coverage. Comprehensive costs on average $150 a year, collision costs $178, and liability insurance costs $452. A liability-only policy costs as little as $504 a year, with high-risk insurance costing around $2,010. Teen drivers receive the highest rates at $3,810 a year or more.
Average premium for full coverage: $938
Rate estimates by individual coverage type:
Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Sorento trim levels.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $504 for only liability insurance to a high of $2,010 for a high risk driver.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates the effect of location on car insurance rates.
These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price 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.
Insurance Rate Analysis
The chart below shows estimated Kia Sorento insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $577
- Drivers who choose higher $1,000 deductibles will pay around $864 a year
- The average rate for a 40-year-old driver with $500 deductibles is $938
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,078
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,010 or more
- The cost for full coverage for a teen driver may cost $3,810 a year
for a Kia Sorento can also vary considerably based on your driver profile, the trim level of your Sorento, and policy deductibles and limits.
Older drivers and high deductibles could pay as little as $900 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $3,800 a year. View Rates by Age
Where you live makes a big difference in Kia Sorento insurance rates. A 40-year-old driver could pay as low as $620 a year in states like Idaho, Maine, and Iowa, or as much as $1,340 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing high deductibles could save up to $220 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $407 . View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,100 to $1,600 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 130% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2016 Kia Sorento||$250||$450||$452||$1,310|
|2015 Kia Sorento||$240||$424||$456||$1,278|
|2014 Kia Sorento||$230||$380||$460||$1,228|
|2013 Kia Sorento||$214||$350||$460||$1,182|
|2012 Kia Sorento||$206||$328||$464||$1,156|
|2011 Kia Sorento||$202||$306||$474||$1,140|
|2008 Kia Sorento||$170||$236||$474||$1,038|
|2007 Kia Sorento||$160||$214||$474||$1,006|
|2004 Kia Sorento||$150||$178||$452||$938|
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 Cheaper Kia Sorento Insurance
Saving money on Kia Sorento insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.
Here is a summary of the information that was covered in this article.
- Increasing deductibles can save around $225 each year
- Drivers can save as much as $100 per year simply by quoting early and online
- Drivers who require more liability insurance will pay about $500 each year to go from a minimum limit to 250/500 limits
- Young drivers pay the highest rates, costing as high as $318 per month for full coverage
- High-risk drivers that have multiple accidents or serious violations will pay on average $1,070 more each year for insurance
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.
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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
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$55|
|5-yr Claim Free||$58|
|Paid in Full/EFT||$32|
Discounts are estimated and may not be available from every company or in every state.