Kia Sorento Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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 $894 a year for full coverage. Comprehensive costs an estimated $132, collision insurance costs $162, and liability coverage costs around $442. Liability-only coverage costs as low as $496 a year, and high-risk coverage costs around $1,918. Teens receive the highest rates at up to $3,674 a year.

Average premium for full coverage: $894

Rate estimates broken down by individual coverage type:

Comprehensive $132
Collision $162
Liability $442

Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and for different Sorento trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from as low as $496 for a discount liability-only rate to a much higher rate of $1,918 for coverage for higher-risk drivers.

Liability Only $496
Full Coverage $894
High Risk $1,918

Price Range by Location

Where you live has a large influence on insurance rates. More rural locations tend to have a lower frequency of accident claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects insurance prices.

Rural Areas $671
Small Cities $939
Large Cities $1,207

These examples show why anyone shopping for car insurance should compare prices for a targeted area and risk profile, rather than using averaged prices.

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.

Rates by State, City, and Model

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

  • The cheapest rate after discounts is $552
  • Using higher $1,000 deductibles will save approximately $68 a year
  • The average rate for a 40-year-old driver who has $500 deductibles is $894
  • Selecting more expensive low deductibles for physical damage coverage will increase the cost to $1,020
  • Higher-risk drivers with serious driving violations could pay up to $1,918
  • The cost for full coverage for a teenage driver with full coverage can cost as much as $3,674 or more

View Chart as Image

Kia Sorento insurance cost comparison chart
Column chart showing Kia Sorento insurance rates range from $552 to $3,674 for full coverage

Car insurance rates for a Kia Sorento can also vary considerably based on your driver profile, the trim level of your Sorento, and liability limits and deductibles.

An older driver with no driving violations and high deductibles may only pay around $900 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged at least $3,600 a year. View Rates by Age

Where you live has a huge impact on Kia Sorento insurance rates. A driver around age 40 might see rates as low as $590 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,280 on average in New York, Louisiana, and Michigan.

Kia Sorento Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $810 -$84 -9.4%
Alaska $688 -$206 -23.0%
Arizona $744 -$150 -16.8%
Arkansas $894 -$0 0.0%
California $1,018 $124 13.9%
Colorado $854 -$40 -4.5%
Connecticut $920 $26 2.9%
Delaware $1,012 $118 13.2%
Florida $1,120 $226 25.3%
Georgia $826 -$68 -7.6%
Hawaii $642 -$252 -28.2%
Idaho $606 -$288 -32.2%
Illinois $666 -$228 -25.5%
Indiana $674 -$220 -24.6%
Iowa $604 -$290 -32.4%
Kansas $852 -$42 -4.7%
Kentucky $1,220 $326 36.5%
Louisiana $1,326 $432 48.3%
Maine $552 -$342 -38.3%
Maryland $740 -$154 -17.2%
Massachusetts $718 -$176 -19.7%
Michigan $1,554 $660 73.8%
Minnesota $748 -$146 -16.3%
Mississippi $1,072 $178 19.9%
Missouri $794 -$100 -11.2%
Montana $962 $68 7.6%
Nebraska $706 -$188 -21.0%
Nevada $1,072 $178 19.9%
New Hampshire $644 -$250 -28.0%
New Jersey $1,000 $106 11.9%
New Mexico $792 -$102 -11.4%
New York $944 $50 5.6%
North Carolina $514 -$380 -42.5%
North Dakota $732 -$162 -18.1%
Ohio $620 -$274 -30.6%
Oklahoma $920 $26 2.9%
Oregon $820 -$74 -8.3%
Pennsylvania $854 -$40 -4.5%
Rhode Island $1,194 $300 33.6%
South Carolina $810 -$84 -9.4%
South Dakota $756 -$138 -15.4%
Tennessee $786 -$108 -12.1%
Texas $1,078 $184 20.6%
Utah $664 -$230 -25.7%
Vermont $612 -$282 -31.5%
Virginia $536 -$358 -40.0%
Washington $692 -$202 -22.6%
West Virginia $820 -$74 -8.3%
Wisconsin $620 -$274 -30.6%
Wyoming $798 -$96 -10.7%

View Chart as Image

Kia Sorento insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $200 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying $1,100 to $1,500 extra per year, depending on your age. High-risk driver insurance can be around 41% to 136% more than the average policy. View High Risk Driver Rates

Kia Sorento Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
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 More Affordable Kia Sorento Insurance

Saving money on auto insurance requires avoiding accidents and violations, having above-average credit, eliminating unneeded coverage, and possibly higher deductibles. Set aside time to shop around at least once a year by getting rate quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.

The list below is a summary of the primary concepts that were raised in the charts and tables above.

  • Drivers can save approximately $100 per year just by shopping early and online
  • Drivers who have multiple accidents or major violations pay an average of $1,020 more annually for car insurance
  • Increasing deductibles can save around $200 each year
  • Teenagers have the highest car insurance rates, costing as high as $306 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.

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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.

Rates by Driver Age

Kia Sorento Insurance Rates by Driver Age
Driver Age Premium
16 $3,674
20 $2,044
30 $906
40 $894
50 $824
60 $806

Full coverage, $500 deductibles

Rates by Deductible

Kia Sorento Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,020
$250 $962
$500 $894
$1,000 $826

Full coverage, driver age 40

Rates by Liability Limit

Kia Sorento Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $894
50/100 $982
100/300 $1,093
250/500 $1,380
100 CSL $1,027
300 CSL $1,270
500 CSL $1,447

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Sorento Insurance Rates for High Risk Drivers
Age Premium
16 $5,152
20 $3,256
30 $1,928
40 $1,918
50 $1,836
60 $1,816

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.

SR-22 Surcharge $118

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $44
Multi-vehicle $48
Homeowner $16
5-yr Accident Free $52
5-yr Claim Free $55
Paid in Full/EFT $30
Advance Quote $38
Online Quote $59
Total Discounts $342
Rate after discounts $552

Discounts are estimated and may not be available from every company or in every state.

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