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.

Estimated insurance rates for a Kia Sorento are $912 a year including full coverage. Comprehensive costs around $138, collision insurance costs $170, and liability insurance is estimated at $446. A liability-only policy costs approximately $500 a year, and high-risk insurance costs around $1,958. 16-year-old drivers pay the most at up to $3,736 a year.

Average premium for full coverage: $912

Premium estimates for type of coverage:

Comprehensive $138
Collision $170
Liability $446

These estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for different Sorento trim levels.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Kia Sorento range from as low as $500 for minimum levels of liability insurance to a much higher rate of $1,958 for a policy for a high-risk driver.

Liability Only $500
Full Coverage $912
High Risk $1,958

Insurance Price Range by Location

Living in a larger city has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than congested cities. The price range example below illustrates how geographic area affects auto insurance rates.

Rural Areas $684
Small Cities $958
Large Cities $1,231

These rate differences highlight why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, rather than relying on 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.

Additional Rate Details

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

  • The best full coverage rate is $563
  • Choosing higher $1,000 deductibles can save about $72 every year
  • The average rate for a 40-year-old good driver using $500 deductibles is $912
  • Buying more expensive low deductibles for comp and collision coverage will increase the cost to $1,044
  • High-risk insureds with multiple tickets or accidents could pay at least $1,958
  • An auto insurance policy for full coverage for a teen driver with full coverage can be $3,736 each year

View Chart as Image

Kia Sorento insurance cost comparison chart
Column chart showing Kia Sorento insurance rates range from $563 to $3,736 for full coverage

Auto insurance prices for a Kia Sorento also have a wide range based on your driving characteristics, the model of your Sorento, and deductibles and policy limits.

An older driver with a good driving record and high deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay as much as $3,700 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Kia Sorento insurance rates. A good driver about age 40 could pay as low as $700 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,300 on average in Michigan, New York, and Louisiana.

Kia Sorento Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $826 -$86 -9.4%
Alaska $700 -$212 -23.2%
Arizona $758 -$154 -16.9%
Arkansas $912 -$0 0.0%
California $1,040 $128 14.0%
Colorado $870 -$42 -4.6%
Connecticut $938 $26 2.9%
Delaware $1,034 $122 13.4%
Florida $1,142 $230 25.2%
Georgia $842 -$70 -7.7%
Hawaii $654 -$258 -28.3%
Idaho $616 -$296 -32.5%
Illinois $678 -$234 -25.7%
Indiana $686 -$226 -24.8%
Iowa $614 -$298 -32.7%
Kansas $868 -$44 -4.8%
Kentucky $1,246 $334 36.6%
Louisiana $1,352 $440 48.2%
Maine $562 -$350 -38.4%
Maryland $752 -$160 -17.5%
Massachusetts $732 -$180 -19.7%
Michigan $1,586 $674 73.9%
Minnesota $762 -$150 -16.4%
Mississippi $1,094 $182 20.0%
Missouri $810 -$102 -11.2%
Montana $980 $68 7.5%
Nebraska $720 -$192 -21.1%
Nevada $1,094 $182 20.0%
New Hampshire $656 -$256 -28.1%
New Jersey $1,022 $110 12.1%
New Mexico $808 -$104 -11.4%
New York $962 $50 5.5%
North Carolina $526 -$386 -42.3%
North Dakota $748 -$164 -18.0%
Ohio $630 -$282 -30.9%
Oklahoma $936 $24 2.6%
Oregon $836 -$76 -8.3%
Pennsylvania $870 -$42 -4.6%
Rhode Island $1,216 $304 33.3%
South Carolina $826 -$86 -9.4%
South Dakota $770 -$142 -15.6%
Tennessee $798 -$114 -12.5%
Texas $1,100 $188 20.6%
Utah $676 -$236 -25.9%
Vermont $626 -$286 -31.4%
Virginia $546 -$366 -40.1%
Washington $706 -$206 -22.6%
West Virginia $836 -$76 -8.3%
Wisconsin $632 -$280 -30.7%
Wyoming $814 -$98 -10.7%

View Chart as Image

Kia Sorento insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $210 each year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $402 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at least $1,100 to $1,600 in extra premium annually, depending on your age. High-risk driver insurance ranges anywhere from 43% to 134% more than the average rate. View High Risk Driver Rates

Kia Sorento Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2016 Kia Sorento $240 $424 $456 $1,278
2015 Kia Sorento $230 $380 $460 $1,228
2014 Kia Sorento $214 $350 $460 $1,182
2013 Kia Sorento $206 $328 $464 $1,156
2012 Kia Sorento $202 $306 $474 $1,140
2011 Kia Sorento $186 $284 $474 $1,102
2008 Kia Sorento $160 $214 $474 $1,006
2007 Kia Sorento $154 $192 $468 $972
2004 Kia Sorento $138 $170 $446 $912

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

Finding better rates on Kia Sorento insurance takes having a decent driving record, having good credit, refrain from filing small claims, and possibly raising deductibles. Invest the time to compare rates every year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a brief summary of the coverage data presented in the illustrations above.

  • You may be able to save up to $100 per year just by shopping early and online
  • Increasing policy deductibles can save around $200 each year
  • 16 to 18-year-old drivers are expensive to insure, with the cost nearing $311 per month if they have full coverage
  • High-risk drivers that tend to have accidents or serious violations pay on average $1,050 more every year than a driver with a clean driving record

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 $3,736
20 $2,086
30 $922
40 $912
50 $840
60 $822

Full coverage, $500 deductibles

Rates by Deductible

Kia Sorento Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,044
$250 $984
$500 $912
$1,000 $840

Full coverage, driver age 40

Rates by Liability Limit

Kia Sorento Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $912
50/100 $1,001
100/300 $1,113
250/500 $1,403
100 CSL $1,046
300 CSL $1,291
500 CSL $1,470

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Sorento Insurance Rates for High Risk Drivers
Age Premium
16 $5,242
20 $3,322
30 $1,968
40 $1,958
50 $1,874
60 $1,856

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 $120

Potential Rate Discounts

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

Discount Savings
Multi-policy $45
Multi-vehicle $49
Homeowner $16
5-yr Accident Free $53
5-yr Claim Free $56
Paid in Full/EFT $31
Advance Quote $39
Online Quote $60
Total Discounts $349
Rate after discounts $563

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

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