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Kia Sorento Insurance [Everything You Need to Know]

Kia Sorento insurance costs average at $118 per month, but the age of your vehicle will influence your online Kia Sorento insurance quotes. We compare Kia Sorento insurance coverage against Jeep and Buick in this guide so you can find the best insurance policy for your Kia.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jul 25, 2020

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Key takeaways:

  • Full coverage costs around $1,414 a year or $118 each month
  • A liability-only policy costs around $567 a year or $47 each month
  • Highest rates are for teenage drivers at around $5,168 a year or $431 each month
  • Good drivers can save as much as $583 a year by earning policy discounts
  • Kia Sorento insurance costs around $105 less per year than the average vehicle

Kia Sorento insurance rates are about $105 less annually than the average vehicle with full coverage costing around $1,414 a year or $118 a month. Owners of an older Kia Sorento may choose to get liability coverage only at around $567 a year or $47 a month.

Good drivers can save up to $583 a year in policy discounts by remaining claim-free. Let’s take a quick look at Kia Sorento insurance rates, crash test ratings, and more.

You can start comparing quotes for Kia Sorento car insurance rates from some of the best car insurance companies by using our free online tool now.

Kia Sorento Insurance Cost

The average car insurance costs for a Kia Sorento are $1,414 a year or $118 a month.

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Are Kia Sorentos Expensive to Insure?

The chart below details how Kia Sorento insurance rates compare to other SUVs like the Dodge Durango, Jeep Wrangler, and Buick Encore.

Vehicle Comprehensive Collision Liability Total
Kia Sorento $322 $562 $372 $1,414
Dodge Durango $348 $562 $372 $1,440
Jeep Wrangler $280 $376 $420 $1,256
Buick Encore $322 $562 $372 $1,414
Mercedes-Benz GLS 450 $458 $894 $398 $1,908
BMW X3 $376 $656 $372 $1,562
Cadillac Escalade ESV $464 $720 $390 $1,732

However, there are a few things you can do to find the cheapest Kia insurance rates online.

What Impacts the Cost of Kia Sorento Insurance?

Even though the average annual rate for the Kia Sorento is $1,414, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Kia Sorento.

Age of the Vehicle

The average Kia Sorento car insurance rates are higher for newer models. For example, car insurance rates for a 2020 Kia Sorento are $1,414, while 2011 Kia Sorento rates are $1,182, a difference of $232.

Model Year Comprehensive Collision Liability Total
2020 Kia Sorento $322 $562 $372 $1,414
2019 Kia Sorento $306 $542 $390 $1,396
2018 Kia Sorento $294 $536 $398 $1,386
2017 Kia Sorento $284 $524 $416 $1,382
2016 Kia Sorento $274 $502 $430 $1,364
2015 Kia Sorento $260 $484 $442 $1,344
2014 Kia Sorento $250 $450 $452 $1,310
2013 Kia Sorento $240 $424 $456 $1,278
2012 Kia Sorento $230 $380 $460 $1,228
2011 Kia Sorento $214 $350 $460 $1,182

Driver Age

Driver age can have a significant impact on the cost of Kia Sorento auto insurance. For example, 20-year-old drivers pay as much as $1,792 more each year for their Kia Sorento auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Kia Sorento insurance rates. For example, drivers in Houston may pay $1,042 a year more than drivers in Columbus.

Your Driving Record

Your driving record can have an impact on the cost of Kia Sorento car insurance. Teens and drivers in their 20’s see the highest jump in their Kia Sorento car insurance rates with violations on their driving record.

Kia Sorento Safety Ratings

Your Kia Sorento car insurance rates are tied to the safety ratings of the Kia Sorento. See the breakdown below:

Test Type Rating
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
Source: Insurance Institute for Highway Safety

Kia Sorento Crash Test Ratings

The crash test ratings of the Kia Sorento can impact your Kia Sorento car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 Kia Sorento SUV FWD 5 stars 5 stars 5 stars 4 stars
2020 Kia Sorento SUV AWD 5 stars 5 stars 5 stars 4 stars
2019 Kia Sorento SUV FWD 5 stars 5 stars 5 stars 4 stars
2019 Kia Sorento SUV AWD 5 stars 5 stars 5 stars 4 stars
2018 Kia Sorento SUV FWD 5 stars 5 stars 5 stars 4 stars
2018 Kia Sorento SUV AWD 5 stars 5 stars 5 stars 4 stars
2017 Kia Sorento SUV FWD 5 stars 5 stars 5 stars 4 stars
2017 Kia Sorento SUV AWD 5 stars 5 stars 5 stars 4 stars
2016 Kia Sorento SUV FWD 5 stars 5 stars 5 stars 4 stars
2016 Kia Sorento SUV AWD 5 stars 5 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Kia Sorento Safety Features

The Kia Sorento safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Kia Sorento auto insurance rates. The Kia Sorento’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Child Safety Locks
  • Integrated Turn Signal Mirrors
  • Traction Control

Kia Sorento Insurance Loss Probability

Another contributing factor that plays a direct role in Kia Sorento insurance rates is the loss probability for each type of coverage.

Insurance Coverage Category Loss Rate
Collision -20%
Property Damage -14%
Comprehensive -18%
Personal Injury 10%
Medical Payment 11%
Bodily Injury -6%
Source: Insurance Institute for Highway Safety

Kia Sorento Finance and Insurance Cost

If you are financing a Kia Sorento, most lenders will require your carry higher Kia Sorento coverage options including comprehensive coverage, so be sure to shop around and compare Kia Sorento car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Kia Sorento Insurance

Although it may seem like your Kia Sorento car insurance rates are set, there are a few measures that you can take to secure the best Kia Sorento car insurance rates possible. Take a look at the following five ways to save on Kia Sorento auto insurance.

  • Ask About a Student Away from Home Discount
  • Save Money on Young Driver Kia Sorento Insurance By Mentioning Grades or GPA
  • Compare Insurance Companies After Moving
  • Renew Your Kia Sorento Insurance Coverage to Avoid Lapses
  • Use an Accurate Job Title When Requesting Kia Sorento Auto Insurance

Top Kia Sorento Insurance Companies

The best auto insurance companies for Kia Sorento car insurance rates will offer competitive rates, discounts, and account for the Kia Sorento’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute

Compare Free Kia Sorento Insurance Quotes Online

To start comparing Kia Sorento car insurance quotes for free, use our online car insurance comparison tool.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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