Compare Kia Sorento Car Insurance Rates [2025]
Auto insurance rates for a Kia Sorento average $1,414 a year, or around $118 a month. Shop around to find cheap Kia Sorento insurance rates. On average, Kia Sorento comprehensive insurance coverage costs $344, collision coverage costs $503, and liability coverage costs $399.
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Insurance Content Team Lead
Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. In 2018, she started writing for the cannabis industry. She curated news articles and insider interviews with investors and small business own...
Laura Kuhl
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Justin Wright
Updated January 2024
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 average $1,414 a year or $118 a month in full coverage. Good drivers can save up to $583 a year in policy discounts by practicing safe driving habits. 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 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 Ford Flex, Mercedes-Benz GLS 450, and Jeep Grand Cherokee.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Kia Sorento | $322 | $562 | $372 | $1,414 |
| Ford Flex | $332 | $566 | $398 | $1,454 |
| Mercedes-Benz GLS 450 | $458 | $894 | $398 | $1,908 |
| Jeep Grand Cherokee | $322 | $562 | $372 | $1,414 |
| Audi Q3 | $344 | $686 | $398 | $1,586 |
| Jeep Compass | $294 | $500 | $372 | $1,324 |
| Honda Pilot | $336 | $470 | $372 | $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?
You might have noticed that there is a multitude of factors that impact Kia Sorento car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Kia Sorento.
Age of the Vehicle
The average Kia Sorento car insurance rates are higher for newer models. For example, car 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 impact on Kia Sorento auto insurance rates. For example, 20-year-old drivers pay approximately $1,730 more each year for their Kia Sorento auto insurance than 30-year-old drivers.
Driver Location
Where you live can have a large impact on Kia Sorento insurance rates. For example, drivers in New York may pay $368 a year more than drivers in Chicago.
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 auto 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
If the Kia Sorento crash test ratings are good, you could have lower Kia Sorento car insurance rates. See Kia Sorento crash test results below:
| 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
Kia Sorento safety features can lower the cost of your insurance. The safety features for the 2020 Kia Sorento 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
The Kia Sorento’s insurance loss probability varies between different coverage types. 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
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
If you want to reduce the cost of your Kia Sorento insurance rates, follow these tips below:
- Be Picky About Who Drives Your Kia Sorento
- Take a Refresher Course as an Older Driver
- Ask About Usage-Based Insurance for Your Kia Sorento
- Ask About a Student Away from Home Discount
- Consider Kia Sorento Insurance Costs Before Buying a Kia Sorento
Top Kia Sorento Insurance Companies
Several insurance companies offer competitive rates for the Kia Sorento based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with Kia Sorento drivers organized by 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
Start comparing Kia Sorento auto insurance quotes for free by using our FREE online comparison tool.
Car insurance rates can range from outrageously priced to insanely good deals. There is no question that insurance is essential to getting your new car on the road and running well. With so many vehicles on the roads today, insurance is a no-brainer.
You’ve just spent a great deal of money buying your dream car; it only makes sense to make sure that it’s insured to the fullest in case an accident happens.
To find out what Kia Sorento insurance cost, enter you ZIP code in the above FREE tool and start saving!
An essential element to finding the right car insurance for your new Sorento is shopping around and comparing insurance rates.
Different insurance companies offer rates and discounts based on a number of different variables including:
- your age
- your marital status
- your past driving history
- your school experience
- the type of car you’re driving
It’s important to ensure that you’re getting the best deal possible when looking for car insurance.
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The Kia Sorento’s Safety Features Decrease Auto Insurance Costs
There are many things about your new Kia Sorento that can assist in lowering your insurance rates. Many of the redesigned features that Kia has installed in the Sorento are designed with safety and efficiency in mind.
Insurance providers are going to look closely at all of these factors, so it’s best that you know the features of your Sorento that are going to help you and the ones (if any) that are going to hurt you.
Keep track of these details will allow you to save on your Kia Sorento insurance rates! The Kia Sorento is full of features that are going to assist you in lowering your car insurance rate including:
- Electronic Stability Control (ESC) which allows the driver to maintain stability even in difficult weather situations.
- Four-wheel Anti-Lock Brakes.
- Side impact door beams reinforcing every side door to ensure that during a crash your passengers are protected.
- Tire Pressure Monitoring System (TPMS) located at every wheel to ensure that you know when your tires are low on pressure. If a tire reaches low pressure, a warning light on the dashboard will alert you.
- Advanced Airbag System.
- Side Curtain Airbags on the first and second row.
- Front active headrests that move on impact to reduce the effects of whiplash.
- Child-Seat Latch System in the back seat making it easier and more secure to strap in child safety seats.
- Front and rear three-point seat belts.
- Hill Assist Control to keep the vehicle from rolling downhill, but disengages as soon as the vehicle begins to accelerate again.
- Brake Assist System for emergency stopping.
- Rear child safety door locks to keep your more precious cargo safe.
What Are Some Optional Kia Sorento Safety Features?
Features can also be added when purchasing your Kia Sorento that will help lower your auto insurance rate by increasing your safety while driving.
If your looking for insurance rates, take the time to compare all of the options on auto quotes!
Some simple comparing will help you find features and car insurance rates on a Kia Sorento. Some of these features include:
- Fog lights
- Wheel locks
- Rearview Back-up Camera to ensure that the driver can see everything behind the vehicle
- Auto-dimming rear-view mirror
- Electric windshield de-icer
- Back-up warning system that allows others to know when the vehicle is backing up
Read more: Backup Camera Car Insurance Discounts
How Do I Find Kia Sorento Auto Insurance Rates?
Auto insurance companies also look at driving records and the age of the main driver when considering the rate of insurance.
Your auto insurance can differ from region to region and from person to person so it’s vitally important that you shop around and compare several quotes before deciding on the insurance that’s right for you and your vehicle.
No matter your circumstance, our ZIP code search will help you find insurance for a Kia Sorento!
Frequently Asked Questions
How much does car insurance cost for a Kia Sorento?
The cost of car insurance for a Kia Sorento can vary depending on several factors. These include your location, driving history, age, gender, credit score, coverage options, and the insurance company you choose. To get an accurate estimate, it’s recommended to request quotes from different insurance providers and compare their rates and coverage options.
What are the common coverage options for Kia Sorento Car Insurance?
Common coverage options for Kia Sorento car insurance include:
- Liability Coverage: This coverage is typically required by law and includes bodily injury liability and property damage liability. It helps cover costs if you cause an accident that results in injuries to others or damage to their property.
- Collision Coverage: This coverage helps pay for repairs or replacement of your Kia Sorento if it is damaged in a collision, regardless of fault.
- Comprehensive Coverage: This coverage protects against non-collision-related damages, such as theft, vandalism, fire, or severe weather.
- Uninsured/Underinsured Motorist Coverage: This coverage provides protection if you’re involved in an accident with a driver who has insufficient or no insurance.
- Medical Payments Coverage: This coverage helps pay for medical expenses for you and your passengers in the event of an accident, regardless of fault.
What factors can affect the cost of Kia Sorento Car Insurance?
Several factors can influence the cost of Kia Sorento car insurance, including:
- Age and Driving Experience: Younger drivers and those with less driving experience generally have higher insurance rates.
- Driving Record: A clean driving record with no accidents or traffic violations can lead to lower insurance premiums.
- Location: The area where you live can impact your insurance rates. Factors such as crime rates, traffic congestion, and the number of accidents in the area are considered.
- Coverage and Deductibles: The level of coverage you choose and the deductibles you select can affect your premiums. Higher coverage limits and lower deductibles often result in higher premiums.
- Vehicle Safety Features: Equipping your Kia Sorento with safety features such as anti-lock brakes, airbags, and anti-theft systems may lead to lower insurance rates.
Are there any discounts available for Kia Sorento Car Insurance?
Yes, insurance providers often offer discounts that can help lower the cost of Kia Sorento car insurance. Common discounts include:
- Multi-Policy Discount: Bundling your car insurance with other policies, such as home or renters insurance, can lead to discounted rates.
- Good Driver Discount: Maintaining a clean driving record without accidents or traffic violations can make you eligible for lower premiums.
- Safety Feature Discount: Having safety features installed in your Kia Sorento, such as lane departure warning, adaptive cruise control, or automatic emergency braking, can result in lower insurance rates.
- Good Student Discount: If you’re a student with good grades, you may qualify for a discount on your car insurance.
- Loyalty Discount: Some insurance companies offer discounts to customers who have been with them for a certain period.
How can I find affordable Kia Sorento Car Insurance?
To find affordable Kia Sorento car insurance, consider the following:
- Compare Quotes: Obtain quotes from multiple insurance companies to compare rates and coverage options.
- Increase Deductibles: Opting for higher deductibles can lower your insurance premiums. However, ensure you can afford to pay the deductible amount in case of a claim.
- Maintain a Good Driving Record: Avoid accidents and traffic violations to maintain a clean driving record, which can help lower your insurance premiums.
- Take Advantage of Discounts: Inquire about available discounts and see if you qualify for any, such as multi-policy, good driver, or safety feature discounts.
- Review Coverage Needs: Assess your coverage needs and adjust your policy accordingly. Removing unnecessary coverage or adjusting coverage limits can help reduce costs.
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