Kia Sorento Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 5, 2023
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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.
U.S. average insurance prices for a Kia Sorento are $1,386 every 12 months with full coverage. Comprehensive insurance costs around $294, collision costs $536, and liability costs $398. Liability-only insurance costs as little as $460 a year, with high-risk driver insurance costing $3,002 or more. 16-year-old drivers pay the highest rates at $5,176 a year or more.
Average premium for full coverage: $1,386
Price estimates for individual coverage:
Includes $500 deductible amounts, liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for all Sorento models.
Price Range from Low to High
For a driver around age 40, Kia Sorento insurance prices go from the cheapest price of $460 for the bare minimum liability coverage to the much higher price of $3,002 for a driver that may need high-risk insurance.
Geographic Price Range
Your location can make a big difference on insurance rates. Areas with sparse population have more infrequent collision claims than congested cities.
The example below illustrates the difference between rural and urban areas on auto insurance rates.
The ranges above demonstrate why everyone should compare rates for a specific zip code and their own driving history, instead of making a decision based 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 Information
The chart below details estimated Kia Sorento insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $798
- Drivers who choose higher $1,000 deductibles will pay about $188 annually
- The average price for the average middle-age driver using $500 deductibles is $1,386
- Buying pricier low deductibles for comprehensive and collision insurance costs an extra $368 annually
- Drivers with multiple tickets or accidents could pay at least $3,002 or more
- The price to insure a 16-year-old driver for full coverage can be $5,176 a year
Car insurance prices for a Kia Sorento are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.
Opting for high physical damage deductibles could save up to $560 annually, whereas buying more liability protection will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may pay as low as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged as much as $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 at least $1,600 to $2,300 extra each year, depending on your age. Kia Sorento insurance for high-risk drivers can cost from 44% to 129% more than the average rate. View High Risk Driver Rates
The state you live in makes a big difference in Kia Sorento insurance prices. A 40-year-old driver could pay as low as $1,000 a year in states like New Hampshire, Ohio, and Utah, or at least $1,870 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,254 | -$132 | -9.5% |
| Alaska | $1,066 | -$320 | -23.1% |
| Arizona | $1,152 | -$234 | -16.9% |
| Arkansas | $1,386 | -$0 | 0.0% |
| California | $1,582 | $196 | 14.1% |
| Colorado | $1,324 | -$62 | -4.5% |
| Connecticut | $1,428 | $42 | 3.0% |
| Delaware | $1,570 | $184 | 13.3% |
| Florida | $1,736 | $350 | 25.3% |
| Georgia | $1,282 | -$104 | -7.5% |
| Hawaii | $998 | -$388 | -28.0% |
| Idaho | $940 | -$446 | -32.2% |
| Illinois | $1,036 | -$350 | -25.3% |
| Indiana | $1,044 | -$342 | -24.7% |
| Iowa | $936 | -$450 | -32.5% |
| Kansas | $1,320 | -$66 | -4.8% |
| Kentucky | $1,894 | $508 | 36.7% |
| Louisiana | $2,054 | $668 | 48.2% |
| Maine | $858 | -$528 | -38.1% |
| Maryland | $1,142 | -$244 | -17.6% |
| Massachusetts | $1,110 | -$276 | -19.9% |
| Michigan | $2,410 | $1,024 | 73.9% |
| Minnesota | $1,162 | -$224 | -16.2% |
| Mississippi | $1,662 | $276 | 19.9% |
| Missouri | $1,232 | -$154 | -11.1% |
| Montana | $1,490 | $104 | 7.5% |
| Nebraska | $1,094 | -$292 | -21.1% |
| Nevada | $1,664 | $278 | 20.1% |
| New Hampshire | $1,000 | -$386 | -27.8% |
| New Jersey | $1,552 | $166 | 12.0% |
| New Mexico | $1,230 | -$156 | -11.3% |
| New York | $1,462 | $76 | 5.5% |
| North Carolina | $800 | -$586 | -42.3% |
| North Dakota | $1,136 | -$250 | -18.0% |
| Ohio | $958 | -$428 | -30.9% |
| Oklahoma | $1,426 | $40 | 2.9% |
| Oregon | $1,272 | -$114 | -8.2% |
| Pennsylvania | $1,324 | -$62 | -4.5% |
| Rhode Island | $1,852 | $466 | 33.6% |
| South Carolina | $1,258 | -$128 | -9.2% |
| South Dakota | $1,170 | -$216 | -15.6% |
| Tennessee | $1,216 | -$170 | -12.3% |
| Texas | $1,672 | $286 | 20.6% |
| Utah | $1,028 | -$358 | -25.8% |
| Vermont | $950 | -$436 | -31.5% |
| Virginia | $830 | -$556 | -40.1% |
| Washington | $1,074 | -$312 | -22.5% |
| West Virginia | $1,272 | -$114 | -8.2% |
| Wisconsin | $962 | -$424 | -30.6% |
| Wyoming | $1,236 | -$150 | -10.8% |
Since prices can be so different, the best way to find out your exact price is to regularly compare prices from multiple companies. Every company utilizes a different rate formula, so rate quotes may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Kia Sorento | $306 | $542 | $390 | $1,396 |
| 2023 Kia Sorento | $294 | $536 | $398 | $1,386 |
| 2022 Kia Sorento | $284 | $524 | $416 | $1,382 |
| 2021 Kia Sorento | $274 | $502 | $430 | $1,364 |
| 2020 Kia Sorento | $260 | $484 | $442 | $1,344 |
| 2019 Kia Sorento | $250 | $450 | $452 | $1,310 |
| 2018 Kia Sorento | $240 | $424 | $456 | $1,278 |
| 2017 Kia Sorento | $230 | $380 | $460 | $1,228 |
| 2016 Kia Sorento | $214 | $350 | $460 | $1,182 |
| 2015 Kia Sorento | $206 | $328 | $464 | $1,156 |
| 2014 Kia Sorento | $202 | $306 | $474 | $1,140 |
| 2013 Kia Sorento | $186 | $284 | $474 | $1,102 |
| 2012 Kia Sorento | $182 | $258 | $478 | $1,076 |
| 2011 Kia Sorento | $170 | $236 | $474 | $1,038 |
| 2008 Kia Sorento | $152 | $188 | $460 | $958 |
| 2007 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 Shop for the Cheapest Kia Sorento Insurance
Getting lower rates on insurance for a Kia Sorento not only requires having a good driving record, but also maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to compare rates once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a recap of the data that was covered above.
- You may be able to save up to $170 per year simply by quoting online well ahead of the renewal date
- Insureds who may need increased levels of liability coverage will pay around $440 every year to go from a low limit to a 250/500 level
- Drivers age 20 and younger are the costliest to insure, costing up to $431 a month if the policy includes full coverage
- Drivers considered higher risk that have major violations or accidents pay on average $1,620 more every year to buy Kia Sorento 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
| Driver Age | Premium |
|---|---|
| 16 | $5,176 |
| 20 | $3,208 |
| 30 | $1,450 |
| 40 | $1,386 |
| 50 | $1,268 |
| 60 | $1,244 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,754 |
| $250 | $1,584 |
| $500 | $1,386 |
| $1,000 | $1,198 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,386 |
| 50/100 | $1,466 |
| 100/300 | $1,565 |
| 250/500 | $1,824 |
| 100 CSL | $1,505 |
| 300 CSL | $1,724 |
| 500 CSL | $1,884 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,382 |
| 20 | $5,098 |
| 30 | $3,068 |
| 40 | $3,002 |
| 50 | $2,864 |
| 60 | $2,840 |
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.
| Discount | Savings |
|---|---|
| Multi-policy | $74 |
| Multi-vehicle | $72 |
| Homeowner | $20 |
| 5-yr Accident Free | $102 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $64 |
| Advance Quote | $69 |
| Online Quote | $98 |
| Total Discounts | $588 |
Discounts are estimated and may not be available from every company or in every state.
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