Best Kia Sorento Insurance Rates [List of Money Saving Tips]

Average Kia Sorento auto insurance rates cost $1,414 a year, or around $118 a month. 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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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 27, 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 don’t need to empty drivers’ bank accounts. Good drivers can save as much as $583 a year by earning policy discounts. Our guide breaks down insurance rates for a Kia Sorento, so read on to learn more about ways to save.

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 Kia Sorento auto insurance rates 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 Toyota Land Cruiser, Infiniti QX60, and Acura MDX.

Vehicle Comprehensive Collision Liability Total
Kia Sorento $322 $562 $372 $1,414
Toyota Land Cruiser $420 $774 $398 $1,750
Infiniti QX60 $404 $750 $372 $1,684
Acura MDX $376 $562 $372 $1,468
Ford Expedition $336 $532 $316 $1,320
Cadillac XT5 $376 $718 $372 $1,624
Volvo XC60 $306 $536 $338 $1,316
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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?

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

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
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Driver Age

Driver age can have a significant effect on Kia Sorento car insurance rates. As an example, a 30-year-old driver pays around $62 more each year for their Kia Sorento car insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Kia Sorento insurance rates. For example, drivers in Los Angeles may pay $202 a year more than drivers in Houston.

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 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
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Kia Sorento Crash Test Ratings

Kia Sorento crash test ratings will affect 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
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Kia Sorento Safety Features

The more safety features you have on your Kia Sorento, the more likely it is that you can earn a discount. 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 car 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
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Kia Sorento Finance and Insurance Cost

If you are financing a Kia Sorento, most lenders will require your carry higher Kia Sorento coverages including comprehensive coverage, so be sure to 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

You have more options at your disposal to save money on your Kia Sorento auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Kia Sorento car insurance rates

  • Move to the Countryside
  • Ask About Mature Driver Discounts for Drivers Over 50
  • Take a Defensive Driving Course or Any Driver’s Education Course
  • Never Drink and Drive Your Kia Sorento
  • Understand that Insurance Companies Can’t Change Your Kia Sorento Auto Insurance Rate Mid-Term Based on Changes to Your Credit Score

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
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Compare Free Kia Sorento Insurance Quotes Online

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.

Crash Test Safety Ratings

Year Overall Frontal Crash Side Crash Rollover
2015
5
5
5
5
2014
5
5
5
5
2013
4
4
5
5
2012
4
4
5
5
2011
4
4
4
4

Crash Avoidence Features

Forward Collision Auto Brake

Not Available

Lane Departure Warning

Not Available

Land Departure Prevention

Not Available

Blind Spot Detection

Optional

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