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 $1,396 a year for full coverage. Comprehensive costs an estimated $306, collision costs $542, and liability costs around $390. Buying just liability costs as low as $452 a year, with insurance for high-risk drivers costing around $3,014. Teenage drivers receive the highest rates at $5,168 a year or more.

Average premium for full coverage: $1,396

Rate estimates broken down by individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for different Sorento trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on insurance rates. More rural locations tend to have a lower frequency of accident claims than densely populated cities.

The price range example below illustrates how your location can change insurance prices.

These examples show why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of using average rates.

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

More Rate Information

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

• The best discount rate is $805
• Using higher $1,000 deductibles will save approximately $192 a year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,396
• Using more expensive low deductibles for physical damage coverage will increase the cost to $1,768
• Drivers who are prone to accidents and violations could pay up to $3,014 or more
• The cost for full coverage for a teen driver with full coverage can cost as much as $5,168 or more

View Chart as Image

Auto 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 a good driving record and high deductibles may pay as little as $1,300 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay at least $5,100 a year. View Rates by Age

Where you live has a huge impact on Kia Sorento insurance prices. A driver around age 40 might see rates as low as $920 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,990 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $570 every 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 $351 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying $1,600 to $2,300 in extra premium per year, depending on your age. High-risk driver insurance can be as much as 45% to 128% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to know which company is cheapest is to compare rates and see which company has the best rate. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different from one company to the next.

How to Find More Affordable Kia Sorento Insurance

Saving money on car insurance requires avoiding accidents and violations, having good credit, eliminating unneeded coverage, and qualifying for all possible discounts. Invest the time to shop around every time your policy renews by requesting quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.

The list below is a summary of the information illustrated above.

• Drivers can save approximately $170 per year simply by shopping early and online
• Teenagers are the costliest to insure, costing as high as $431 per month if they have full coverage
• Increasing deductibles can save around $575 each year
• Higher risk drivers who have multiple accidents or major violations pay an average of $1,620 more annually for car insurance
• Policyholders who want higher liability limits will pay an extra $430 each year to increase from a minimum limit to 250/500 limits

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.