Are Kia Sorentos Expensive to Insure? [Rates + Coverage Guide]
Kia Sorento insurance rates cost $118 per month ($1,414 per year). You can find cheap Kia Sorento insurance rates if you are a good driver—Mature drivers with good driving records may find rates as low as $831 a year.
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UPDATED: Jun 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 $105 cheaper than the average vehicle. You can pay as low as $47 per month for auto insurance when you insure a Kia Sorento. Continue reading to learn how you can save money on Kia Sorento insurance rates.
You can start comparing quotes for Kia Sorento insurance rates from some of the best auto insurance companies by using our free online tool now.
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Kia Sorento Insurance Cost
More: Best Kia Niro Plug-In Hybrid Auto Insurance Rates 2022
The average Kia Sorento auto insurance costs 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 Acura RDX, GMC Yukon, and Dodge Durango.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Kia Sorento | $322 | $562 | $372 | $1,414 |
| Acura RDX | $308 | $532 | $316 | $1,292 |
| GMC Yukon | $376 | $594 | $372 | $1,500 |
| Dodge Durango | $348 | $562 | $372 | $1,440 |
| Nissan Armada | $306 | $536 | $338 | $1,316 |
| GMC Yukon XL | $362 | $562 | $372 | $1,454 |
| GMC Terrain | $322 | $562 | $316 | $1,336 |
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?
More: How Much is Insurance on a Kia Sportage?
The Kia Sorento trim and model you choose can impact the total price you will pay for Kia Sorento auto insurance coverage.
Age of the Vehicle
Older Kia Sorento models generally cost less to insure. For example, auto insurance for a 2020 Kia Sorento costs $1,414, while 2011 Kia Sorento insurance costs 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 effect on Kia Sorento insurance rates. For example, 30-year-old drivers pay $62 more for Kia Sorento auto insurance than 40-year-old drivers.
Driver Location
More: How Much is Insurance for a Kia Stinger?
Where you live can have a large impact on Kia Sorento insurance rates. For example, drivers in Phoenix may pay $778 a year less than drivers in Los Angeles.
Your Driving Record
Your driving record can have an impact on the cost of Kia Sorento auto insurance. Teens and drivers in their 20’s see the highest jump in their Kia Sorento insurance rates with violations on their driving record.
Kia Sorento Safety Ratings
Your Kia Sorento 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
More: What is the Best Car Insurance for a Kia Sedona?
Kia Sorento crash test ratings will affect your Kia Sorento 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
Having a variety of safety features on your Kia Sorento can help lower your Kia Sorento insurance costs. 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
Review the Kia Sorento auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury. The lower percentage means lower Kia Sorento auto insurance costs; higher percentages mean higher Kia Sorento auto insurance costs.
| 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
More: How Much is Insurance on a Kia Soul? [Comprehensive Guide]
If you are financing a Kia Sorento, you will pay more if you purchase Kia Sorento auto insurance at the dealership, so be sure to shop around and compare Kia Sorento auto insurance quotes 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 insurance rates are set, there are a few measures that you can take to secure the best Kia Sorento insurance rates possible. Take a look at the following five ways to save on Kia Sorento auto insurance.
- Park Your Kia Sorento Somewhere Safe – like a Garage or Private Driveway
- Ask About Kia Sorento Discounts If You Were Listed on Someone Else’s Policy
- Start Searching for New Kia Sorento Auto Insurance a Month Before Your Renewal
- Compare Kia Sorento Insurance Rates Online
- Install an Aftermarket Anti-Theft Device for Your Kia Sorento
Top Kia Sorento Insurance Companies
Who is the top auto insurance company for Kia Sorento insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Kia Sorento auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Kia Sorento offers.
| 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
More: Best Kia K5 Auto Insurance Rates 2022
You can start comparing quotes for Kia Sorento insurance rates from some of the best auto insurance companies by using our free online tool now.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Written by
Rachel Bodine |
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Reviewed by
Daniel Walker
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