Kia Sorento Car Insurance – 2022 Rates and Cost Comparisons

• Kia Sorento insurance costs an average of $1,444 per year or around $120 per month, depending on the trim level.
• With the cheapest insurance rates, the Sorento LX trim level costs an average of $1,332 per year to insure. At the high end, the Sorento SX Prestige Plug-in Hybrid is the most expensive to insure at $1,614 for an annual policy.
• Sorento insurance costs about the same as the average cost for the 2022 midsize SUV class.
• Insuring a used Sorento could save $576 per year by only requiring a liability-only policy.
• Sorento insurance rates in a few larger cities include $1,032 in Charlotte, NC, $1,398 in Tucson, AZ, and $1,328 in El Paso, TX.

How much does Kia Sorento car insurance cost?

Kia Sorento insurance averages $1,444 per year for a full-coverage policy, or around $120 on a monthly basis. Drivers can plan on paying around $100 less per year to insure a Kia Sorento compared to similar vehicles, and $123 less per year than the $1,567 average for all vehicles.

The chart below details average 2022 Kia Sorento car insurance rates with a variety of different driver ages and risk profiles.

In the chart above, Sorento insurance rates range from a discount rate for a 40-year-old driver of $1,200 to the high-risk average rate for a 30-year-old driver of $3,268 per year.

Auto insurance rates on a Sorento for teen drivers are not included in the data above.  A 16-year-old male driver with a good driving record would pay approximately $5,148 on average, while a 16-year-old female would pay about $4,534. At the age of 18, males would pay around $4,506 and females $3,912.

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

• Driver gender influences rates. For a 2022 Kia Sorento, a 20-year-old man will pay an estimated rate of $2,872 per year, while a 20-year-old female pays an estimated $2,128, a difference of $744 per year. The females get the cheaper rate by far. But by age 50, male driver rates are $1,316 and female driver rates are $1,290, a difference of only $26.
• 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 $43 and $159 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 many other policy discounts which could save the average driver as much as $244 per year.
• The higher the deductibles, the lower the cost. Raising deductibles from $500 to $1,000 could save around $228 per year for a 40-year-old driver and $448 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 $238 per year for a 40-year-old driver and $472 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 $1,732 or more per year.
• Be a careful driver and save. Causing frequent accidents will increase insurance cost, potentially by an extra $668 per year for a 30-year-old driver and as much as $436 per year for a 60-year-old driver.
• Excellent credit scores get the best rates. Drivers who have credit scores over 800 could save $227 per year compared to a decent credit rating of 670-739. Conversely, a lower credit score could cost around $263 more per year.

What is the cheapest Sorento to insure?

The cheapest Kia Sorenta insurance can be found on the LX at $1,332 per year, or about $111 per month. The next cheapest model is the S also at $1,356 per year, and the third cheapest model to insure is the S Hybrid at $1,378 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 X-Line SX Prestige AWD, the SX Plug-in Hybrid, and the SX Prestige Plug-in Hybrid trim levels at an estimated $1,492,  $1,592, and $1,614 per year, respectively.

The table below shows the different trim levels available for the 2022 Kia Sorento and the average car insurance cost for each.

Where does Sorento car insurance cost rank?

The Kia Sorento ranks #8 out of 29 total vehicles in the midsize SUV category for 2022. The Sorento costs an average of $1,444 per year for insurance, while the category average cost is $1,544 annually, a difference of $100 per year.

When compared directly to popular vehicles in the midsize SUV segment, insurance for a Kia Sorento costs $236 less per year than the Jeep Grand Cherokee, $90 less than the Toyota Highlander, $10 more than the Ford Explorer, and $248 less than the Jeep Cherokee.

The table below shows how well the Sorento fares against the entire 2022 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.

Will a used Sorento cost less to insure?

Resisting the showroom glitz for an older model of Kia Sorento could save $336 or more each year on insurance. New 2022 models have much higher replacement value than an older model like the 2013 Sorento.

The data below details average insurance rates for a Kia Sorento for the 2013 through 2022 model years and various driver age groups. The range of insurance prices goes from the cheapest rate of $996 for a 60-year-old driver rated on a 2013 Kia Sorento to a high of $2,872 for a 20-year-old driving a 2022 model.

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 $576 a year (based on 2013 and 2022 model year rates), depending on the policy deductibles and the driver age.

Will my address change the rate I pay?

Where you live definitely impacts insurance rates. For the Sorento, average rates for some larger cities include Dallas, TX, averaging $1,538 per year, Minneapolis, MN, at $1,518, Omaha, NE, costing $1,338, and Indianapolis, IN, at an estimated $1,452.

The chart data below illustrates average car insurance premiums on a Kia Sorento in the largest cities in America. For this chart, rates range from $1,084 per year in Columbus, OH, to $2,720 in New York, NY, a difference of $1,636.

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

From a state perspective, states like Ohio ($838), Virginia ($930), and Iowa ($1,046) have the cheapest car insurance rates, while states like Michigan ($2,298), Louisiana ($2,090), and Florida ($2,108) tend to have more expensive Sorento insurance rates.

Insurance rates in most states fall closer to the median, with states like Alabama, Oregon, and South Carolina included in this group. They have average Sorento insurance rates of $1,178, $1,208, and $1,328 per year, respectively.