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.

Average insurance rates for a Kia Sorento are $1,386 a year including full coverage. Comprehensive insurance costs an estimated $294 each year, collision insurance costs $536, and liability coverage is $398. A policy with just liability insurance costs around $460 a year, and coverage for high-risk drivers costs $3,002 or more. 16-year-old drivers receive the highest rates at up to $5,176 a year.

Average premium for full coverage: $1,386

Rate estimates broken down by individual coverage type:

Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Sorento models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than congested cities. The graphic below illustrates how your location can change insurance prices.

These examples highlight why all drivers should compare rates quotes for a targeted area, rather than using rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $798
• Raising to $1,000 deductibles will save approximately $188 every year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,386
• Buying low deductibles will cost an additional $368 each year
• Unlucky drivers with multiple tickets or accidents could pay up to $3,002
• The cost that insures a teenage driver can cost as much as $5,176

View Chart as Image

Insurance rates for a Kia Sorento can also vary considerably based on the trim level and model year, your driving record and age, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are likely paying $1,600 to $2,300 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 129% more than the average rate. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay at least $5,100 a year. View Rates by Age

Where you live also has a big influence on Kia Sorento insurance rates. A middle-age driver might find rates as low as $1,070 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,980 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $560 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $358 more each year. View Rates by Deductible or Liability Limit

How to Find the Right Kia Sorento Insurance

Saving money on auto insurance consists of avoiding accidents and violations, having a good credit score, not filing small claims, and possibly raising deductibles. Comparison shop every couple of years by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The list below is a quick rundown of the material that was illustrated above.

• Consumers who want higher liability limits will pay around $440 per year to raise from a minimum limit to the 250/500 level
• Teenagers are expensive to insure, as much as $431 per month if comprehensive and collision insurance is included
• Drivers with reckless driving or DUI convictions could be charged and average of $1,620 more annually for car insurance
• Increasing deductibles can save approximately $550 each year

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.