Kia Sorento Insurance Costs and Comparisons: 2025 Guide to Savings

We looked at insurance prices for the LX model to the SX Prestige Plug-in Hybrid trim to discover how insurance rates on the Sorento compare to the rest of the midsize SUV segment.

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  • Kia Sorento insurance costs an average of $2,222 per year or around $185 per month, depending on the trim level.
  • With the cheapest insurance rates, the Sorento LX trim level costs an average of $2,036 per year to insure. At the high end, the Sorento SX Prestige Plug-in Hybrid is the most expensive to insure at $2,392 for an annual policy.
  • Sorento insurance costs about the same as the average cost for the 2024 midsize SUV class.
  • Insuring a used Sorento could save $776 per year by only requiring a liability-only policy.

How much does Kia Sorento car insurance cost?

Kia Sorento insurance averages $2,222 per year for a full-coverage policy, or around $185 on a monthly basis. Drivers can plan on paying around $92 less per year to insure a Kia Sorento compared to similar vehicles, and $1 more per year than the $2,221 average for all vehicles.

The graphic below details average 2024 Kia Sorento car insurance rates with a variety of different driver ages and risk profiles.

Average 2024 Kia Sorento insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2024 Kia Sorento insurance premiums for different driver ages and risk scenarios. Updated on June 27, 2025.

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Data Methodology: Rates by driver age assume full coverage with $500 deductibles with UM/UIM coverage included. Discount rates include all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates by credit rating assume a 40-year-old driver with full coverage and $500 deductibles. Rates by deductible assume a 40-year-old driver with good credit and no prior driving violations or at-fault accidents. Rates are averaged for all 2024 Kia Sorento trim levels.

2024 Kia Sorento Insurance Cost Summary
Driver Age Driver Risk Profile Annual Premium Cost Per Month
16Teenage Driver$7,867$656
17Teenage Driver$7,636$636
18Teenage Driver$6,878$573
25High-Risk Driver$5,390$449
40High-Risk Driver$4,906$409
60High-Risk Driver$4,408$367
25Safe Driver$2,580$215
40Safe Driver$2,222$185
60Safe Driver$1,842$154
25Driver Qualifies for Multiple Discounts$2,144$179
40Driver Qualifies for Multiple Discounts$1,848$154
60Driver Qualifies for Multiple Discounts$1,532$128
40Driver with Fair Credit (580-669)$2,571$214
40Driver with Good Credit (670-739)$2,222$185
40Driver with Very Good Credit (740-799)$2,046$171
40Driver has Low Policy Deductibles ($250)$2,600$217
40Driver has Average Policy Deductibles ($500)$2,222$185
40Driver has High Policy Deductibles ($1,000)$1,860$155

Data Methodology: Rates by driver age assume full coverage with $500 deductibles with UM/UIM coverage included. Discount rates include all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates by credit rating assume a 40-year-old driver with full coverage and $500 deductibles. Rates by deductible assume a 40-year-old driver with good credit and no prior driving violations or at-fault accidents. Rates are averaged for all 2024 Kia Sorento trim levels.

In the infographic above, Sorento insurance rates have a considerable range based on driver age, driving record, accident history, and even possibly your credit score.

Below are some additional key points regarding insurance for a Sorento.

  • Driver gender influences rates. For a 2024 Kia Sorento, a 20-year-old man will pay an estimated rate of $4,472 per year, while a 20-year-old female pays an estimated $3,204, a difference of $1,268 per year. The females get the cheaper rate by far. But by age 50, male driver rates are $1,966 and female driver rates are $1,920, a difference of only $46.
  • Your choice of occupation could reduce your rates. Many auto insurance companies offer policy discounts for earning a living in occupations like police officers and law enforcement, members of the military, college professors, firefighters, engineers, and others. If you qualify for this occupational discount, you may save between $67 and $228 on your yearly car insurance bill, depending on the coverage levels.
  • Policy discounts mean cheaper Sorento car insurance. Discounts may be available if the insureds are accident-free, drive a vehicle with safety or anti-theft features, insure their home and car with the same company, work in certain occupations, or other policy discounts which could save the average driver as much as $374 per year.
  • The higher the deductibles, the lower the cost. Raising deductibles from $500 to $1,000 could save around $362 per year for a 40-year-old driver and $710 per year for a 20-year-old driver.
  • Low deductibles will increase rates. Dropping your physical damage deductibles from $500 to $250 could cost an additional $378 per year for a 40-year-old driver and $752 per year for a 20-year-old driver.
  • High risk Sorento insurance is expensive. For a 40-year-old driver, the need to buy a high-risk policy could trigger a rate increase of $2,684 or more per year.
  • Be a careful driver and save. Causing frequent accidents will increase insurance costs, potentially by an extra $1,066 per year for a 30-year-old driver and as much as $530 per year for a 60-year-old driver.
  • Excellent credit scores get the best rates. Drivers who have credit scores over 800 could save $349 per year compared to a decent credit rating of 670-739. Conversely, a lower credit score could cost around $404 more per year.

What is the cheapest Kia Sorento to insure?

The cheapest Kia Sorento insurance can be found on the LX at $2,036 per year, or about $170 per month. The next cheapest model is the S also at $2,090 per year, and the third cheapest model to insure is the X-Line S AWD at $2,140 per year.

At the high end of the Sorento insurance cost range, the three most expensive Sorento trim levels to insure are the Kia Sorento SX Prestige AWD, the X-Line SX Prestige AWD, and the SX Prestige Plug-in Hybrid trim levels at an estimated $2,306,  $2,320, and $2,392 per year, respectively.

The table below shows the different trim levels available for the 2024 Kia Sorento and the average car insurance cost for each.

2024 Kia Sorento Insurance Rates by Trim Level
2024 Kia Sorento Trim Level Annual Premium Cost Per Month
LX$2,036$170
S$2,090$174
X-Line S AWD$2,140$178
EX$2,182$182
EX Hybrid$2,204$184
SX$2,238$187
X-Line EX AWD$2,256$188
SX Prestige Hybrid$2,288$191
SX Prestige AWD$2,306$192
X-Line SX Prestige AWD$2,320$193
SX Prestige Plug-in Hybrid$2,392$199

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated June 26, 2025

Insurance cost by trim level for a 2024 Kia Sorento ranging from the LX model at $2,036 per year to the SX Prestige Plug-in Hybrid model at $2,392
Insurance cost by trim level for a 2024 Kia Sorento ranging from the LX model at $2,036 per year to the SX Prestige Plug-in Hybrid model at $2,392

Where does Sorento car insurance cost rank?

The Kia Sorento ranks 15th out of 34 total vehicles in the midsize SUV category for 2024. The Sorento costs an average of $2,222 per year for insurance, while the category average cost is $2,314 annually, a difference of $92 per year.

When compared directly to popular vehicles in the midsize SUV segment, insurance for a Kia Sorento costs $160 less per year than the Hyundai Santa Fe, $36 more per year than the Chevrolet Traverse, $98 more per year than the Ford Explorer, and $228 more per year than the Subaru Outback.

The table below shows how well the Sorento fares against the entire 2024 midsize SUV segment for insurance affordability. The difference column indicates how much cheaper or more expensive each model is than the Kia Sorento on a yearly basis.

Insurance Cost Comparison: Kia Sorento vs Midsize SUVs
Rank Make and Model Annual Premium Difference
1Honda Passport$1,866-$356
2Nissan Murano$1,968-$254
3Subaru Outback$1,994-$228
4Buick Envista$2,004-$218
5Subaru Ascent$2,038-$184
6Volkswagen Atlas$2,078-$144
7Volkswagen Atlas Cross Sport$2,086-$136
8Ford Explorer$2,124-$98
9Toyota Highlander$2,132-$90
10Toyota Venza$2,136-$86
11Chevrolet Traverse$2,186-$36
12Mitsubishi Outlander Sport$2,198-$24
13Mitsubishi Outlander PHEV$2,210-$12
14Ford Edge$2,214-$8
15Kia Sorento$2,222--
16GMC Acadia$2,262$40
17Buick Enclave$2,266$44
18Honda Pilot$2,280$58
19Mazda CX-9$2,286$64
20Jeep Grand Cherokee$2,342$120
21Hyundai Santa Fe$2,382$160
22Nissan Pathfinder$2,384$162
23Hyundai Palisade$2,394$172
24Chevrolet Blazer$2,416$194
25Kia Telluride$2,444$222
26Toyota 4Runner$2,510$288
27Mazda CX-90$2,522$300
28Toyota Grand Highlander$2,552$330
29Kia EV9$2,568$346
30Tesla Model Y$2,592$370
31Ford Bronco$2,600$378
32Jeep Wrangler$2,676$454
33Dodge Durango$2,872$650
34Rivian R1S$2,882$660

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated June 26, 2025

At $2,222 per year, insurance cost for a 2024 Kia Sorento ranks 15th out of 34 models in the midsize SUV segment
At $2,222 per year, insurance cost for a 2024 Kia Sorento ranks 15th out of 34 models in the midsize SUV segment

Comparing average insurance quotes for a Kia Sorento to midsize non-luxury SUVs with similar sticker prices can give us an additional metric for comparison.

The 2024 Sorento has an average MSRP of $40,818, which ranges from $32,000 to $52,000, depending upon the exact model purchased.

The vehicles closest in average purchase price to the Kia Sorento are the Subaru Ascent, Nissan Murano, Toyota Venza, and Nissan Pathfinder. The list below shows how those models compare to the Sorento for overall insurance affordability.

  • Compared to the Subaru Ascent – The average MSRP for a 2024 Kia Sorento is $777 cheaper than the Subaru Ascent, at $40,818 compared to $41,595. Drivers can expect to pay an average of $184 less every 12 months to insure the Subaru Ascent compared to a Sorento.
  • Compared to the Nissan Murano – With an average sticker price of $42,160 and ranging from $37,920 to $47,630, the 2024 Nissan Murano costs $1,342 more than the average cost of the Sorento. The cost to insure a Kia Sorento compared to the Nissan Murano is $254 more annually on average.
  • Compared to the Toyota Venza – The purchase price for the Toyota Venza averages $1,476 less than the average cost for the Sorento ($39,343 compared to $40,818). The average insurance cost for the Sorento compared to the Toyota Venza is $86 more per year.
  • Compared to the Nissan Pathfinder – The average MSRP for a 2024 Kia Sorento is $1,670 cheaper than the Nissan Pathfinder, at $40,818 compared to $42,488. Insurance on a Sorento costs an average of $162 less each year than the Nissan Pathfinder.

Will a used Sorento cost less to insure?

Resisting the showroom glitz for an older model of Kia Sorento could save $784 or more each year on insurance. New 2024 models have much higher replacement value than older models like the 2013 Sorento.

The data below details average insurance rates for a Kia Sorento for the 2013 through 2024 model years and various driver age groups. The range of insurance prices goes from the cheapest rate of $1,208 for a 60-year-old driver rated on a 2013 Kia Sorento to a high of $4,472 for a 20-year-old driving a 2024 model.

Kia Sorento Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2024 Kia Sorento$4,472$2,222$1,842
2023 Kia Sorento$4,212$2,092$1,734
2022 Kia Sorento$4,084$2,024$1,680
2021 Kia Sorento$4,246$2,094$1,742
2020 Kia Sorento$4,120$2,034$1,692
2019 Kia Sorento$3,940$1,940$1,616
2018 Kia Sorento$3,776$1,862$1,554
2017 Kia Sorento$3,666$1,812$1,510
2016 Kia Sorento$3,688$1,816$1,522
2015 Kia Sorento$3,504$1,726$1,450
2014 Kia Sorento$2,922$1,452$1,214
2013 Kia Sorento$2,902$1,438$1,208

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Kia Sorento trim levels for each model year. Updated June 27, 2025

Average insurance rates for 2013 to 2024 Kia Sorento models for drivers age 20, 40 and 60
Average insurance rates for 2013 to 2024 Kia Sorento models for drivers age 20, 40 and 60

At some point in the life of every vehicle, vehicle owners will have to decide when to delete comprehensive and collision coverage from a policy. As a vehicle loses value over time, the cost of carrying full coverage begins to exceed the added benefit.

Eliminating physical damage coverage on an older Kia Sorento may save the average driver $776 a year (based on 2013 and 2024 model year rates), depending on the policy deductibles and the driver age.

Kia Sorento insurance rates by location

Where you live definitely impacts insurance rates. For the Sorento, average rates for some larger cities include Dallas, TX, averaging $2,394 per year, Minneapolis, MN, at $2,366, Omaha, NE, costing $2,180, and Indianapolis, IN, at an estimated $2,028.

The chart data below illustrates average car insurance premiums on a Kia Sorento in the largest cities in America.

Average car insurance rates for a 2024 Kia Sorento in larger U.S. cities.
Figure 2: Average car insurance rates for a 2024 Kia Sorento in larger U.S. cities. Rates updated on June 26, 2025.

Data Methodology: Average car insurance rates for a 2024 Kia Sorento assume a 40-year-old married male driver with no driving violations or at-fault accidents in the last three years. Comprehensive and collision deductibles are $500, UM/UIM and medical payments coverage is included, and rates are averaged for all trim levels and U.S. Zip Codes.

Kia Sorento Insurance Rates by Location
Location Annual Premium Cost Per Month
New York, NY$3,608$301
Philadelphia, PA$3,282$274
Las Vegas, NV$3,276$273
Los Angeles, CA$3,268$272
San Francisco, CA$2,922$244
Kansas City, MO$2,678$223
Oklahoma City, OK$2,678$223
Denver, CO$2,638$220
Memphis, TN$2,638$220
Atlanta, GA$2,614$218
San Jose, CA$2,560$213
Phoenix, AZ$2,510$209
Portland, OR$2,488$207
San Diego, CA$2,478$207
Boston, MA$2,472$206
Chicago, IL$2,420$202
Dallas, TX$2,394$200
Houston, TX$2,382$199
Seattle, WA$2,376$198
Jacksonville, FL$2,332$194
Nashville, TN$2,314$193
Milwaukee, WI$2,306$192
Albuquerque, NM$2,278$190
San Antonio, TX$2,228$186
Omaha, NE$2,180$182
Fort Worth, TX$2,176$181
Austin, TX$2,158$180
Indianapolis, IN$2,028$169
Columbus, OH$1,922$160
Charlotte, NC$1,866$156

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for a 2024 Kia Sorento and all Zip Codes in each city. Updated June 26, 2025

How much does it cost to insure a Kia Sorento in my state?

From a state perspective, states like Ohio ($1,850), Virginia ($1,796), and Iowa ($1,802) have the cheapest car insurance rates, while states like Michigan ($2,714), Louisiana ($2,524), and Florida ($2,618) tend to have more expensive Sorento insurance rates.

The next table breaks down average insurance rates on a 2024 Kia Sorento for all fifty U.S. states.

2024 Kia Sorento Average Insurance Cost by State
U.S. State Annual Premium Cost Per Month
Alabama$2,184$182
Alaska$1,948$162
Arizona$2,210$184
Arkansas$2,428$202
California$2,694$225
Colorado$2,468$206
Connecticut$2,538$212
Delaware$2,578$215
Florida$2,618$218
Georgia$2,386$199
Hawaii$1,822$152
Idaho$1,876$156
Illinois$2,146$179
Indiana$1,932$161
Iowa$1,802$150
Kansas$2,324$194
Kentucky$2,466$206
Louisiana$2,524$210
Maine$1,692$141
Maryland$2,230$186
Massachusetts$2,496$208
Michigan$2,714$226
Minnesota$2,114$176
Mississippi$2,310$193
Missouri$2,562$214
Montana$2,212$184
Nebraska$2,078$173
Nevada$2,674$223
New Hampshire$1,802$150
New Jersey$2,700$225
New Mexico$2,054$171
New York$2,610$218
North Carolina$1,730$144
North Dakota$2,066$172
Ohio$1,850$154
Oklahoma$2,520$210
Oregon$2,240$187
Pennsylvania$2,282$190
Rhode Island$2,746$229
South Carolina$2,084$174
South Dakota$2,394$200
Tennessee$2,268$189
Texas$2,230$186
Utah$2,142$179
Vermont$1,898$158
Virginia$1,796$150
Washington$2,190$183
West Virginia$2,170$181
Wisconsin$1,880$157
Wyoming$2,166$181

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 26, 2025

Average annual premium and cost per month to insure a 2024 Kia Sorento in all 50 U.S. States
Average annual premium and cost per month to insure a 2024 Kia Sorento in all 50 U.S. States