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 $1,386 a year including full coverage. Comprehensive costs approximately $294, collision costs $536, and liability coverage is estimated at $398. Liability-only insurance costs approximately $460 a year, with high-risk driver insurance costing around $3,002. Teen drivers cost the most to insure at $5,176 a year or more.

Average premium for full coverage: $1,386

Policy rates by type of insurance:

Rates are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Sorento trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

The price range example below illustrates how where you live affects auto insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes using their specific location and risk profile, rather than using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $798
• Choosing higher $1,000 deductibles can save $188 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,386
• Choosing more expensive low deductibles for comp and collision coverage will increase the cost to $1,754
• Drivers with multiple violations and an at-fault accident could pay around $3,002 or more
• Policy cost for full coverage for a teenage driver with full coverage can cost $5,176 each year

View Chart as Image

Auto insurance rates for a Kia Sorento also range considerably based on your risk profile, the model of your Sorento, and physical damage deductibles and liability limits.

An older driver with a good driving record and high deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay 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 $1,070 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,980 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $560 a year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $358 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,600 to $2,300 in extra premium every year, depending on your age. High-risk driver insurance ranges around 44% to 129% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates and see how they stack up. Each auto insurer uses a different rate calculation, and quoted rates will be varied from one company to the next.

How to Find the Best Cheap Kia Sorento Insurance

Finding cheaper rates on auto insurance takes being a safe and courteous driver, having good credit, paying for small claims out-of-pocket, and not having any coverage lapses. Take the time to comparison shop every time your policy renews by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below is a quick review of the information touched on in the above illustrations.

• You may be able to save around $170 per year simply by shopping early and online
• Teenage drivers have the highest car insurance rates, with premiums being up to $431 each month if they have full coverage
• Increasing comprehensive and collision deductibles can save around $550 each year
• Drivers with a DUI or reckless driving violation could be forced to pay on average $1,620 more per year for auto insurance
• Consumers who purchase higher levels of liability will pay about $440 per year to raise limits from a 30/60 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.