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 auto insurance rates for a Kia Sorento are $1,396 annually with full coverage. Comprehensive costs on average $306, collision insurance costs $542, and liability costs $390. Liability-only coverage costs as little as $452 a year, and high-risk coverage costs around $3,014. Teenage drivers receive the highest rates at up to $5,168 a year.

Average premium for full coverage: $1,396

Rate estimates by individual coverage type:

These estimates include $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for different Sorento trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on auto insurance rates. Rural areas tend to have fewer collision claims than densely populated cities. The price range example below illustrates the difference location can make on car insurance rates.

These examples demonstrate why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below details average Kia Sorento insurance rates for different risk profiles and scenarios.

• The best discount rate is $805
• Drivers who choose higher $1,000 deductibles will pay around $192 annually
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,396
• Using more expensive low deductibles for comprehensive and collision insurance will cost $1,768
• Drivers who are prone to accidents and violations could pay upwards of $3,014
• The cost with full coverage for a 16-year-old driver with full coverage may cost $5,168 a year

View Chart as Image

Car insurance rates for a Kia Sorento can also vary considerably based on the trim level of your Sorento, your driving record, and policy deductibles and limits.

An older driver with no driving violations and high physical damage deductibles may pay as low as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged upwards of $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,600 to $2,300 extra per year, depending on your age. High-risk driver insurance can cost from 45% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $570 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Kia Sorento insurance prices. A 40-year-old driver could pay as low as $1,010 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,890 on average in Florida, Michigan, and New York.

View Chart as Image

How to Buy Cheap Kia Sorento Insurance

Saving money on insurance for a Kia Sorento not only requires being a good driver, but also having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Make time to compare rates at every policy renewal by obtaining price quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The following list is a brief summary of the data touched on in this article.

• Insureds who require an increased level of liability coverage will pay an extra $430 every year to go from a minimum limit to higher 250/500 limits
• You may be able to save as much as $170 per year just by shopping early and online
• Increasing deductibles could save up to $575 each year
• Drivers age 16 to 20 are expensive to insure, with premiums as much as $431 per month if comprehensive and collision insurance is included

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.