Kia Sorento Insurance Rates
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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 auto insurance rates for a Kia Sorento are $1,396 annually for full coverage. Comprehensive costs an estimated $306 a year, collision insurance costs $542, and liability is $390. Liability-only coverage costs around $452 a year, and high-risk coverage costs around $3,014. 16-year-old drivers pay the highest rates at up to $5,168 a year.
Average premium for full coverage: $1,396
Price estimates broken down by individual coverage:
Price estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and Sorento trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Kia Sorento insurance prices range from as cheap as $452 for your basic liability-only policy to a high of $3,014 for high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on insurance rates. More rural locations have fewer accident claims than congested cities. The diagram below illustrates how rural and urban location affects insurance prices.
The ranges above show why it is important to compare rates quotes for a targeted area and their own personal driving habits, 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.
More Rate Information
The chart below shows average Kia Sorento insurance rates for other coverage scenarios.
- The best full coverage rate is $805
- Raising to $1,000 deductibles will save approximately $1,204 a year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,396
- Buying low $100 deductibles will cost $1,768
- Drivers with multiple tickets or accidents could pay up to $3,014
- The price with full coverage for a 16-year-old driver can cost as much as $5,168
Auto insurance prices for a Kia Sorento are also quite variable based on the trim level and model year, your driver profile, and liability limits and deductibles.
Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay at least $5,100 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying $1,600 to $2,300 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 45% to 128% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $570 annually, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $351 extra every year. View Rates by Deductible or Liability Limit
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 $920 a year in states like Iowa, Maine, and Idaho, or at least $1,990 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,262 | -$134 | -9.6% |
| Alaska | $1,070 | -$326 | -23.4% |
| Arizona | $1,158 | -$238 | -17.0% |
| Arkansas | $1,396 | -$0 | 0.0% |
| California | $1,590 | $194 | 13.9% |
| Colorado | $1,332 | -$64 | -4.6% |
| Connecticut | $1,436 | $40 | 2.9% |
| Delaware | $1,580 | $184 | 13.2% |
| Florida | $1,748 | $352 | 25.2% |
| Georgia | $1,290 | -$106 | -7.6% |
| Hawaii | $1,002 | -$394 | -28.2% |
| Idaho | $944 | -$452 | -32.4% |
| Illinois | $1,040 | -$356 | -25.5% |
| Indiana | $1,052 | -$344 | -24.6% |
| Iowa | $944 | -$452 | -32.4% |
| Kansas | $1,328 | -$68 | -4.9% |
| Kentucky | $1,904 | $508 | 36.4% |
| Louisiana | $2,068 | $672 | 48.1% |
| Maine | $862 | -$534 | -38.3% |
| Maryland | $1,152 | -$244 | -17.5% |
| Massachusetts | $1,118 | -$278 | -19.9% |
| Michigan | $2,426 | $1,030 | 73.8% |
| Minnesota | $1,166 | -$230 | -16.5% |
| Mississippi | $1,672 | $276 | 19.8% |
| Missouri | $1,238 | -$158 | -11.3% |
| Montana | $1,500 | $104 | 7.4% |
| Nebraska | $1,102 | -$294 | -21.1% |
| Nevada | $1,674 | $278 | 19.9% |
| New Hampshire | $1,004 | -$392 | -28.1% |
| New Jersey | $1,560 | $164 | 11.7% |
| New Mexico | $1,238 | -$158 | -11.3% |
| New York | $1,470 | $74 | 5.3% |
| North Carolina | $804 | -$592 | -42.4% |
| North Dakota | $1,142 | -$254 | -18.2% |
| Ohio | $966 | -$430 | -30.8% |
| Oklahoma | $1,434 | $38 | 2.7% |
| Oregon | $1,278 | -$118 | -8.5% |
| Pennsylvania | $1,332 | -$64 | -4.6% |
| Rhode Island | $1,862 | $466 | 33.4% |
| South Carolina | $1,266 | -$130 | -9.3% |
| South Dakota | $1,176 | -$220 | -15.8% |
| Tennessee | $1,224 | -$172 | -12.3% |
| Texas | $1,684 | $288 | 20.6% |
| Utah | $1,032 | -$364 | -26.1% |
| Vermont | $956 | -$440 | -31.5% |
| Virginia | $836 | -$560 | -40.1% |
| Washington | $1,078 | -$318 | -22.8% |
| West Virginia | $1,280 | -$116 | -8.3% |
| Wisconsin | $966 | -$430 | -30.8% |
| Wyoming | $1,246 | -$150 | -10.7% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Kia Sorento | $322 | $562 | $372 | $1,414 |
| 2023 Kia Sorento | $306 | $542 | $390 | $1,396 |
| 2022 Kia Sorento | $294 | $536 | $398 | $1,386 |
| 2021 Kia Sorento | $284 | $524 | $416 | $1,382 |
| 2020 Kia Sorento | $274 | $502 | $430 | $1,364 |
| 2019 Kia Sorento | $260 | $484 | $442 | $1,344 |
| 2018 Kia Sorento | $250 | $450 | $452 | $1,310 |
| 2017 Kia Sorento | $240 | $424 | $456 | $1,278 |
| 2016 Kia Sorento | $230 | $380 | $460 | $1,228 |
| 2015 Kia Sorento | $214 | $350 | $460 | $1,182 |
| 2014 Kia Sorento | $206 | $328 | $464 | $1,156 |
| 2013 Kia Sorento | $202 | $306 | $474 | $1,140 |
| 2012 Kia Sorento | $186 | $284 | $474 | $1,102 |
| 2011 Kia Sorento | $182 | $258 | $478 | $1,076 |
| 2008 Kia Sorento | $154 | $192 | $468 | $972 |
| 2007 Kia Sorento | $152 | $188 | $460 | $958 |
| 2004 Kia Sorento | $132 | $162 | $442 | $894 |
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 Buy Cheaper Kia Sorento Insurance
Getting lower rates on insurance for a Kia Sorento consists of being a good driver, having above-average credit, eliminating unnecessary coverage, and consideration of higher deductibles. Set aside time to shop around every couple of years by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following list is a condensed summary of the material that was raised in the charts and tables above.
- Insureds who want an increased level of liability coverage will pay around $430 each year to raise from a low limit to higher 250/500 limits
- Drivers age 16 to 20 are the costliest to insure, with premiums as much as $431 a month if full coverage is included
- Drivers considered higher risk with multiple at-fault accidents may pay on average $1,620 more annually than a safer driver
- Increasing physical damage deductibles could save up to $575 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.
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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 | $5,168 |
| 20 | $3,214 |
| 30 | $1,456 |
| 40 | $1,396 |
| 50 | $1,274 |
| 60 | $1,250 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,768 |
| $250 | $1,596 |
| $500 | $1,396 |
| $1,000 | $1,204 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,396 |
| 50/100 | $1,474 |
| 100/300 | $1,572 |
| 250/500 | $1,825 |
| 100 CSL | $1,513 |
| 300 CSL | $1,728 |
| 500 CSL | $1,884 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,376 |
| 20 | $5,110 |
| 30 | $3,080 |
| 40 | $3,014 |
| 50 | $2,874 |
| 60 | $2,848 |
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 | $103 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $64 |
| Advance Quote | $69 |
| Online Quote | $99 |
| Total Discounts | $591 |
Discounts are estimated and may not be available from every company or in every state.
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