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 rates for a Kia Sorento are $1,382 a year with full coverage. Comprehensive insurance costs an estimated $284 a year, collision insurance costs $524, and liability is $416. Liability-only insurance costs around $474 a year, and high-risk driver insurance costs $2,996 or more. Teens pay the highest rates at up to $5,192 a year.

Average premium for full coverage: $1,382

Price estimates broken down by individual coverage:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and Sorento trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on car insurance rates. More rural locations have a lower frequency of collision claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects insurance prices.

The ranges above demonstrate why it is important to compare rates quotes for a targeted area and risk profile, instead of making a decision based on averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $795
• Raising to $1,000 deductibles will save approximately $1,198 annually
• The average rate for the average middle-age driver who has $500 deductibles is $1,382
• Selecting low $100 deductibles will cost an extra $356 annually
• Drivers with serious driving violations could pay up to $2,996
• The price for full coverage for a 16-year-old driver can cost as much as $5,192

View Chart as Image

Car insurance prices for a Kia Sorento are also quite variable based on your driving record, the trim level and model year, and liability limits and deductibles.

Older drivers with no driving violations and high deductibles may pay as low as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged at least $5,100 a year. View Rates by Age

The state you live in also has a big influence on Kia Sorento insurance prices. A middle-age driver might find prices as low as $1,000 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,870 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $540 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $375 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out $1,600 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 129% more than the average policy. View High Risk Driver Rates

How to Find the Best Kia Sorento Insurance

Getting lower rates on insurance for a Kia Sorento consists of being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Set aside time to shop around every time your policy renews by obtaining price quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

Below you'll find a brief recap of the information raised in the charts and tables above.

• You may be able to save approximately $170 per year just by quoting early and online
• Youthful drivers have the highest car insurance prices, costing up to $433 a month if full coverage is included
• Increasing physical damage deductibles can save around $550 each year
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,610 more annually than a low-risk driver
• Insureds who want more liability protection will pay approximately $460 every year to raise from a low 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.