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.

U.S. average insurance prices for a Kia Sorento are $1,396 every 12 months with full coverage. Comprehensive costs approximately $306 a year, collision insurance costs $542, and liability insurance costs around $390. A policy with just liability insurance costs as low as $452 a year, and coverage for high-risk drivers costs around $3,014. Teenage drivers pay the highest rates at up to $5,168 a year.

Average premium for full coverage: $1,396

Price estimates by individual coverage:

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and Sorento trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on the price of insurance. Rural locations have more infrequent collision claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance prices.

The ranges above demonstrate why it is important to compare prices using their specific location and their own driving history, rather than relying on average rates.

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

Additional Rate Details

The chart below details average Kia Sorento insurance rates for additional coverage and risk scenarios.

• The best discount rate is $805
• Using higher $1,000 deductibles will save $1,204 annually
• The average price for the average middle-age driver who chooses $500 deductibles is $1,396
• Using low $100 deductibles for physical damage coverage increases the price to $1,768
• Drivers who are prone to accidents and violations could pay around $3,014
• The price to insure a teen driver can cost $5,168 or more

View Chart as Image

Insurance prices for a Kia Sorento are also quite variable based on deductibles and policy limits, your driving record, and the model of your Sorento.

Using high physical damage deductibles could cut prices by as much as $570 each year, while buying higher liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $351 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $5,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,600 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 45% to 128% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Kia Sorento insurance rates. A driver around age 40 might see prices as low as $1,010 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,890 on average in New York, Michigan, and Florida.

View Chart as Image

How to Shop for Affordable Kia Sorento Insurance

Getting lower rates on Kia Sorento insurance requires avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to shop around at every policy renewal by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a brief review of the data raised in the charts and tables above.

• Drivers who purchase increased liability limits will pay an extra $430 every year to increase from a low limit to a 250/500 level
• You may be able to save around $170 per year just by quoting early and online
• Increasing physical damage deductibles could save as much as $575 each year
• Drivers under the age of 20 are expensive to insure, costing up to $431 a 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.

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.