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.

The average insurance rates for a Kia Sorento are $1,382 a year for full coverage. Comprehensive insurance costs approximately $284, collision costs $524, and liability coverage is estimated at $416. A liability-only policy costs approximately $474 a year, with high-risk insurance costing $2,996 or more. Teen drivers cost the most to insure at $5,192 a year or more.

Average premium for full coverage: $1,382

Policy rates by type of insurance:

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for all Sorento models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. Rural locations are shown to have lower incidents of accident claims than larger metro areas.

The example below illustrates how location helps determine auto insurance prices.

The examples above show why everyone should get quotes using their specific location, rather than using price averages.

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

Additional Rate Analysis

The chart below shows estimated Kia Sorento insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $795
• Choosing higher $1,000 deductibles can save $184 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,382
• Choosing pricier low deductibles for comp and collision coverage will cost an additional $356 each year
• Drivers with multiple violations and an at-fault accident could pay around $2,996 or more
• Policy cost that insures a teenage driver for full coverage can cost $5,192 each year

View Chart as Image

Car insurance rates for a Kia Sorento also range considerably based on the model of your Sorento, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,600 to $2,300 extra every year, depending on your age. Kia Sorento insurance for high-risk drivers ranges around 44% to 129% more than average. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged in the ballpark of $5,100 a year. View Rates by Age

Your home state plays a big part in determining prices for Kia Sorento insurance rates. A good driver about age 40 could pay as low as $910 a year in states like Iowa, Maine, and Idaho, or as much as $1,970 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $540 a year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $375 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates and see how they stack up. Each auto insurer uses a different rate calculation, so rate quotes will be varied.

How to Find Cheap Kia Sorento Insurance

Finding cheaper rates on auto insurance takes being a good driver, having a positive credit history, avoid buying unnecessary coverage, and avoiding coverage lapses. Shop around every year by getting rate quotes from direct carriers, and also from insurance agencies where you live.

The following list is a brief summary of the coverage data covered in the charts and tables above.

• Drivers can save around $170 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $550 each year
• Drivers age 16 to 20 pay the highest auto insurance rates, costing up to $433 each month if full coverage is purchased
• Drivers that tend to have accidents or serious violations could be forced to pay on average $1,610 more per year than a safer driver

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.