Kia Sorento Car Insurance [Guide + Free Quotes]

Kia Sorento insurance rates cost $1,414/yr or $118/mo on average. Kia Sorento comprehensive insurance coverage costs $344, collision coverage costs $503, and liability coverage costs $399. Good drivers can save up to $583 a year on Kia Sorento Insurance costs by earning discounts on their policy.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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 cost $118 per month for full coverage, $47 per month for liability-only coverage, and $431 for teen drivers. 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.

Kia Sorento Insurance Cost

The average Kia Sorento  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 Chevrolet Traverse, GMC Yukon, and Jeep Wrangler.

Vehicle Comprehensive Collision Liability Total
Kia Sorento $322 $562 $372 $1,414
Chevrolet Traverse $336 $470 $316 $1,258
GMC Yukon $376 $594 $372 $1,500
Jeep Wrangler $280 $376 $420 $1,256
GMC Acadia $294 $470 $372 $1,294
Toyota Land Cruiser $420 $774 $398 $1,750
Chevrolet Suburban $336 $532 $372 $1,398
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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?

You might have noticed that there is a multitude of factors that impact Kia Sorento 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

Older Kia Sorento models generally cost less to insure. For example, auto 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 impact on Kia Sorento insurance rates. For instance, a 30-year-old driver may pay $62 more each year for Kia Sorento auto 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 New York may pay $862 a year more than drivers in Seattle.

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 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
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Kia Sorento Crash Test Ratings

Kia Sorento crash test ratings can impact your Kia Sorento 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
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Kia Sorento Safety Features

The numerous safety features of the Kia Sorento help contribute to lower insurance rates. The 2020 Kia Sorento has the following safety features:

  • 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 lower percentage means lower Kia Sorento insurance rates; higher percentages mean higher Kia Sorento auto insurance rates. Insurance loss probability on the Kia Sorento fluctuates between 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
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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 insurance rates from the best companies using our FREE tool below.

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5 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.

  • Move to the Countryside
  • Get Cheaper Kia Sorento Insurance Rates as a Full-Time Parent
  • Take a Defensive Driving Course or Any Driver’s Education Course
  • Check the Odometer on Your Kia Sorento
  • Ask About Discounts for People with Disabilities

Top Kia Sorento Insurance Companies

The best auto insurance companies for Kia Sorento insurance rates will offer competitive rates, discounts, and account for the Kia Sorento’s safety features. The following list of auto 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
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Save money by comparing Kia Sorento insurance rates with free quotes online now!

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