Kia Sorrento Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs less to insure a Kia Sorrento than the average SUV.

• Liability auto insurance for a Sorrento runs about $82 per month, while full coverage typically tends to be around $145 monthly.

• The lowest insurance company for a Sorrento is Commonwealth Casualty.

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Sorrento Overview

With a base price of just $28,457 for new 2022 models, the Kia Sorrento is a great budget-friendly option for any driver. The Sorrento is not just on the affordable end of the spectrum when it comes to overall price point, it's also a smart budget option when thinking about your future car insurance rates.

We combed through thousands of auto insurance quotes on Compare.com, and we've found that Kia Sorrento car insurance prices are about $148 a month, on average. But how does that compare to other similar SUVs on the market?

How Much is Car Insurance for a Kia Sorrento?

If you look at the table above, you'll see that Kia Sorrento insurance premiums are cheaper than average. Sorrento drivers can expect to pay around $82 monthly for liability insurance, and about $145 per month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference between these types of insurance).

When compared to other Kia models, the Sorrento is cheaper, with prices more than 10% lower than the rest of the company's vehicle offerings. Compared to SUV offerings from other brands, auto insurance for a Sorrento runs close to average, with liability insurance rates coming in at $1 higher than other SUVs and full coverage insurance prices at $7 cheaper.

When compared to all vehicles, regardless of make, body style, or model, liability only premiums are slightly more expensive for the Sorrento, but a full coverage policy is on the more affordable side.

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Who has the Cheapest Car Insurance for a Kia Sorrento?

If you're in the market for an auto insurance policy for a Kia Sorrento, you're likely wondering which carrier offers the most affordable rates. While costs will generally be pretty different from driver to driver, Mapfre offers the most affordable average rates for liability only coverage, with rates as low as just $36 a month. The next cheapest company is NationalGeneral, who offers insurance as little as just $39 per month.

Rounding out the list are MetroMile, FirstChicago, and AnswerFinancial. However, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

Auto insurance carriers take a whole range of different factors into consideration when offering you rates. Since every driver is different, there's only one way to make sure you get the lowest premiums, and that's by getting personalized quotes and comparing rates from a variety of car insurance companies.

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What Factors Affect Car Insurance Rates for a Kia Sorrento?

As we mentioned above, there are an array of variables that insurance carriers take a look at to determine how much they charge you -- and each carrier weighs certain pieces more than others, so there's not a single company that's the cheapest for every Sorrento driver.

The sections below show a wide array of things auto insurance companies use to calculate rates:

Vehicle Age

The Kia Sorrento has been around for a while -- that means vehicle age will likely make a big difference in what you end up paying for insurance. Typically, it costs less to insure older cars because they're worth less than newer models, and as time goes on and Sorrentos begin to depreciate, insurance costs will gradually decrease.

Based on the above table, the Kia Sorrento is not quite in line with this trend, as the most expensive models to insure are those that are 8 to 10 years old, while on average, the cheapest Sorrentos are 2 to 3 years old.

Your Age

How old you are makes a significant difference in how much you pay for car insurance. As you can see above, young drivers have higher rates than drivers who have more experience on the road. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Insurance prices continue to get lower as you get older, with the cheapest age group for Sorrento drivers being 65 years and older.

Your Gender

Did you know women tend to pay less for auto insurance than men? This is because women are less likely to get into collisions and get speeding tickets, which decreases the chances of an insurance claim. The Kia Sorrento follows this convention, and women pay around 7% less than men monthly for insurance.

Where You Live

You may think it's obvious that variables like how old you are and what vehicle you drive play a role in your auto insurance prices, but you may not realize that where you live matters, too. Since car insurance is regulated on a state-by-state basis, rates vary quite a bit from state to state.

For example, the average Kia Sorrento owner in New York pays about $171 per month for liability coverage. Meanwhile, on average, the same driver in California will pay less than half of that price. The chart shows average premiums for the top 10 most populous states, just to give you a good idea of how much rates can change across states.

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Kia Sorrento Car Insurance Discounts

No matter which car you drive, how old you are, or what state you live in, using as many discounts as possible when it comes to your auto insurance is always a smart move when shopping around for a new policy.

Even though all car insurance carriers offer their own unique discounts, there are a few that you'll find with most insurers. These include things like:

• Multi-vehicle discounts for adding more than one car to your auto policy
• Pay-in-full discounts for drivers who choose to pay their entire policy premium up front, rather than in monthly installments
• Defensive driving discounts for drivers who take a defensive driving class through an accredited school or institution
• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)

There are lots of other discounts out there for saving money on your insurance. Some of the best ways to save are just by having a positive insurance profile and good driving history.

Even though you may not be able to control every factor auto insurance companies consider to calculate premiums (like some of the ones mentioned above), there are quite a few that are in your control. Below are just a few of the factors you can use to your favor when it comes to saving some cash:

Your Driving Record

You've probably seen ads from insurance carriers offering big savings for responsible drivers. It checks out that your car insurance prices will get higher if you get a speeding ticket or get into an accident. But exactly how much can it cost you for these infractions?

As you can see from the table above, accidents will usually cost Sorrento drivers more than tickets, but both will result in higher than average rates. Kia Sorrento drivers with a single accident on their record pay an average of $108 every month (up $26 from the $82/mo. overall average), while drivers with one ticket will pay about $91 a month. Those who have multiple violations of either kind will end up paying even more.

How Much You Drive

The amount of miles you drive plays a role in your auto insurance rates. Those who drive less often have fewer opportunities to get into an accident, so they'll usually end up paying less for car insurance. Above, you can see that Kia Sorrento owners who drive fewer than 2,500 miles per year pay an average of $74 monthly for insurance, while those who put 10,000 miles or more on their cars pay $80.

But if you don't use your Kia Sorrento to travel or commute regularly, it may be worth learning about usage-based or pay-per-mile car insurance. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Kia Sorrentos Compare to Other Vehicles?

If you're thinking about purchasing a Kia Sorrento, you're probably wondering how it compares to other vehicles. Car insurance is just one cost that's associated with buying a new car, but it's definitely one that's worth considering.

Visit the table below to see how the Kia Sorrento compares:

With an MSRP that's a quarter less than the going rate for a new vehicle, the Kia Sorrento is a great value when it comes to price. The Sorrento comes in at $28,457, which is quite a bit lower than the national average vehicle MSRP of $42,283.

Liability insurance for a Kia Sorrento is, while full coverage is $8 less per month.

When it comes to usage, Kia Sorrento owners drive about the same amount annually as the national average, with 12,047 miles each year compared to 11,660 for all vehicles.

Kia Sorrento Car Insurance Costs by Model Year

So far, you've seen how different things affect a driver's auto insurance prices. But if you're considering buying a new Sorrento, knowing how much your vehicle will likely cost can be extremely helpful as you weigh your choices and compare it to other vehicles on your shortlist.

For this reason, we've crunched the numbers and broken down Kia Sorrento insurance premiums by model year. Choose a specific Sorrento model year in the dropdown below and see average rates for both liability only and full coverage, as well as some other helpful info, like available trims, base price, and even the cheapest insurance carrier for each Sorrento model year.

Choose Your Model

2021 Kia Sorrento Car Insurance 2020 Kia Sorrento Car Insurance 2019 Kia Sorrento Car Insurance 2018 Kia Sorrento Car Insurance 2017 Kia Sorrento Car Insurance 2016 Kia Sorrento Car Insurance 2015 Kia Sorrento Car Insurance 2014 Kia Sorrento Car Insurance 2013 Kia Sorrento Car Insurance 2012 Kia Sorrento Car Insurance 2011 Kia Sorrento Car Insurance

2021 Kia Sorrento Car Insurance

If you're in the market for a brand new Kia Sorrento, there are plenty of options to choose from. With a base MSRP of $28,457, the 2022 Sorrento is offered in six different trim levels, which means you'll have your pick of many styles.

It costs around $86 monthly, on average, to insure a 2021 Kia Sorrento for liability only and $161 a month for full coverage. And if you want the most affordable insurance possible, DirectGeneral offers liability only policies for as low as $34 monthly.

Although it helps to know the average price drivers pay to insure a 2021 Sorrento, you'll never know exactly how much you'll pay without getting a personalized quote. With Compare.com, you can gather a variety of quotes at once, all for free. To get started, simply enter your ZIP code below.

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2020 Kia Sorrento Car Insurance

If you're in the market for a 2020 Sorrento or already own one, you're most likely looking at an average car insurance rate of about $110 for liability or $180 for full coverage.

And if you're just looking for the cheapest insurance for your Sorrento, DirectGeneral offers liability only policies for sometimes as low as $26 per month.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2019 Kia Sorrento Car Insurance

The average cost to insure a 2019 Kia Sorrento with liability only coverage is $75 a month, while full coverage runs around $163 per month.

Hugo offered the lowest policy we found, with rates sometimes as cheap as $17 monthly.

These average rates are a great starting point if you're in the market for a 2019 Kia Sorrento, but there are several different factors that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2018 Kia Sorrento Car Insurance

On average, drivers who own a 2018 Sorrento can expect to pay $91 to $156 a month for liability only and full coverage auto insurance, respectively.

We found Mapfre offered the most affordable policy, with rates as cheap as just $35 monthly.

Want to know just how much you'll pay? Get multiple personalized quotes for free by just entering your ZIP code below.

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2017 Kia Sorrento Car Insurance

You can expect full coverage for a 2017 Kia Sorrento to run about $149 per month, while liability only coverage will average around $93 a month.

If you're looking for the lowest possible 2017 Kia Sorrento insurance policy, Mile Auto offered the cheapest policy we found, with rates as cheap as $26 per month.

If you want to know exactly how much you can expect to pay for your Sorrento, just enter your ZIP code below and get free quotes in minutes.

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2016 Kia Sorrento Car Insurance

2016 Sorrento drivers can expect to pay an average of $75 a month for liability or $146 for full coverage.

With premiums sometimes as little as $17 monthly, DirectGeneral offered the most affordable policy we found for the 2016 Kia Sorrento.

Interested in just how much you'll pay? Just enter your ZIP code below to get lots of free customized quotes.

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2015 Kia Sorrento Car Insurance

It costs about $75 per month for liability or $143 for a full coverage policy for the 2015 Kia Sorrento.

MetLife has prices as little as $18 monthly for the 2015 Kia Sorrento.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2014 Kia Sorrento Car Insurance

You can expect full coverage for a 2014 Sorrento to run around $145 a month, while liability only coverage will average about $80 monthly.

Looking for the lowest policy? Shelter Mutual offered liability only coverage for as cheap as $19 per month.

If you want to find the best premiums for insurance for a 2014 Kia Sorrento, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2013 Kia Sorrento Car Insurance

It costs around $95 a month for liability or $144 for a full coverage policy for the 2013 Kia Sorrento.

With rates as cheap as just $19 monthly, StateAuto offered the most affordable policy we found.

If you're looking for a more exact figure on what you should pay for car insurance for a 2013 Kia Sorrento, you can get free quotes in minutes by just entering your ZIP code below.

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2012 Kia Sorrento Car Insurance

2012 Sorrento drivers can expect to pay an average of $86 a month for liability or $146 for full coverage.

Dairyland offered the cheapest policy we found, with rates as low as $18 per month.

What will your auto insurance premium be? Enter your ZIP code below to get several free customized quotes.

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2011 Kia Sorrento Car Insurance

The average cost to insure a 2011 Kia Sorrento with liability only coverage is $82 a month, while full coverage runs about $139 per month.

StateAuto has prices sometimes as little as $19 monthly for the 2011 Kia Sorrento.

If you want to find the best premiums for car insurance for a 2011 Kia Sorrento, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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Kia Sorrento Insurance FAQs

Is a Kia Sorrento expensive to insure?

The Kia Sorrento is less expensive to insure compared to the average vehicle. Liability insurance runs an average of $82 a month, while full coverage will cost you around $145.

How can I get the best price on car insurance for my Kia Sorrento?

The only way to make sure you're getting the lowest price on insurance is to check prices regularly and compare quotes from a whole bunch of companies. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from quite a few carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Kia Sorrento affect my insurance rates?

You may have heard the old adage that red cars cost more to insure than cars of other colors, but that's just a myth. Even though there are many variables auto insurance companies examine when they calculate how much you'll pay, the color of your Kia Sorrento is not factored into that decision.

Do I need to have insurance before I buy a Kia Sorrento?

You'll need to have a valid insurance policy before you can legally drive your new (or new to you) vehicle off the dealership lot. Some dealerships will offer you one during the purchase process, but your best bet is letting your car insurance company know beforehand.

What car insurance discounts can I get for my Kia Sorrento?

There are all sorts of discounts out there when it comes to auto insurance. Many of them (like "safe driver discounts" and "multi-vehicle discounts") are more based on you than the Sorrento you drive, but if your Sorrento has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may qualify for certain discounts. The only way to find out which discounts you might get is to talk with your insurance agent and ask about which discounts they offer, since they change quite a bit from carrier to carrier.