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 $1,386 a year for full coverage. Comprehensive insurance costs around $294 a year, collision insurance costs $536, and liability coverage costs $398. A policy with just liability insurance costs as little as $460 a year, and coverage for high-risk drivers costs $3,002 or more. Teenage drivers receive the highest rates at up to $5,176 a year.

Average premium for full coverage: $1,386

Rate estimates for individual coverage type:

Price estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and Sorento trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than densely populated cities. The diagram below illustrates how location impacts auto insurance rates.

These examples show why it is important to compare rates for a specific zip code, rather than using average rates.

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

Rates by State, City, and Model

The chart below shows average Kia Sorento insurance rates for additional coverage choices and driver risks.

• The best discount rate is $798
• Drivers who choose higher $1,000 deductibles will pay about $1,198 a year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,386
• Using low $100 deductibles for comprehensive and collision insurance will cost an additional $368 each year
• High-risk insureds who are prone to accidents and violations could pay at least $3,002
• The cost that insures a teenage driver can be $5,176 a year

View Chart as Image

Insurance rates for a Kia Sorento can also vary considerably based on the trim level of your Sorento, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $1,600 to $2,300 additional per year, depending on your age. A high-risk auto insurance policy can cost around 44% to 129% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $5,100 a year. View Rates by Age

Where you live makes a big difference in Kia Sorento insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,980 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $560 a year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $358 more each year. View Rates by Deductible or Liability Limit

How to Find Cheaper Kia Sorento Insurance

Saving money on auto insurance not only requires being a low-risk driver, but also having a good credit score, eliminating unneeded coverage, and deciding if full coverage is necessary. Compare prices at least once a year by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a condensed summary of the primary concepts that were touched on above.

• Drivers can save up to $170 per year just by quoting early and online
• Drivers with multiple at-fault accidents pay on average $1,620 more every year to insure their Sorento
• Increasing deductibles can save approximately $550 each year
• Teen drivers are charged the highest rates, costing as high 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.