Kia Sorento Car Insurance – 2023 Rates and Cost Comparisons

• Kia Sorento insurance costs an average of $1,618 per year or around $135 per month, depending on the trim level.
• With the cheapest insurance rates, the Sorento LX trim level costs an average of $1,480 per year to insure. At the high end, the Sorento SX Prestige Plug-in Hybrid is the most expensive to insure at $1,742 for an annual policy.
• Sorento insurance costs about the same as the average cost for the 2023 midsize SUV class.
• Insuring a used Sorento could save $606 per year by only requiring a liability-only policy.

How much does Kia Sorento car insurance cost?

Kia Sorento insurance averages $1,618 per year for a full-coverage policy, or around $135 on a monthly basis. Drivers can plan on paying around $106 less per year to insure a Kia Sorento compared to similar vehicles, and $67 less per year than the $1,685 average for all vehicles.

The chart below details average 2023 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 $1,344 to the high-risk average rate for a 30-year-old driver of $3,564 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 $5,772 on average, while a 16-year-old female would pay about $5,082. At the age of 18, males would pay around $5,054 and females $4,388.

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

• Driver gender influences rates. For a 2023 Kia Sorento, a 20-year-old man will pay an estimated rate of $3,220 per year, while a 20-year-old female pays an estimated $2,382, a difference of $838 per year. The females get the cheaper rate by far. But by age 50, male driver rates are $1,476 and female driver rates are $1,446, a difference of only $30.
• 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 $49 and $178 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 $274 per year.
• The higher the deductibles, the lower the cost. Raising deductibles from $500 to $1,000 could save around $256 per year for a 40-year-old driver and $502 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 $268 per year for a 40-year-old driver and $534 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 $1,944 or more per year.
• Be a careful driver and save. Causing frequent accidents will increase insurance cost, potentially by an extra $752 per year for a 30-year-old driver and as much as $488 per year for a 60-year-old driver.
• Excellent credit scores get the best rates. Drivers who have credit scores over 800 could save $254 per year compared to a decent credit rating of 670-739. Conversely, a lower credit score could cost around $294 more per year.

What is the cheapest Kia Sorento to insure?

The cheapest Kia Sorento insurance can be found on the LX at $1,480 per year, or about $123 per month. The next cheapest model is the S also at $1,530 per year, and the third cheapest model to insure is the X-Line S AWD at $1,566 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 $1,680,  $1,684, and $1,742 per year, respectively.

The table below shows the different trim levels available for the 2023 Kia Sorento and the average car insurance cost for each.

Where does Sorento car insurance cost rank?

The Kia Sorento ranks 10^th out of 31 total vehicles in the midsize SUV category for 2023. The Sorento costs an average of $1,618 per year for insurance, while the category average cost is $1,724 annually, a difference of $106 per year.

When compared directly to popular vehicles in the midsize SUV segment, insurance for a Kia Sorento costs $258 less per year than the Jeep Grand Cherokee, $144 less than the Toyota Highlander, $114 more than the Ford Explorer, and $296 less than the Jeep Cherokee.

The table below shows how well the Sorento fares against the entire 2023 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.

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 2023 Sorento has an average MSRP of $38,826, which ranges from $29,990 to $49,890, depending upon the exact model purchased.

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

• Compared to the Toyota Venza – The average MSRP for a 2023 Kia Sorento is $809 more expensive than the Toyota Venza, at $38,826 compared to $38,018. Drivers can expect to pay an average of $10 less every 12 months to insure the Toyota Venza compared to a Sorento.
• Compared to the Hyundai Santa Fe – With an average sticker price of $37,841 and ranging from $28,200 to $46,010, the 2023 Hyundai Santa Fe costs $985 less than the average cost of the Sorento. The cost to insure a Kia Sorento compared to the Hyundai Santa Fe is $192 less annually on average.
• Compared to the Nissan Murano – The purchase price for the Nissan Murano averages $1,228 more than the average cost for the Sorento ($40,054 compared to $38,826). The average insurance cost for the Sorento compared to the Nissan Murano is $102 more per year.
• Compared to the Subaru Ascent – The average MSRP for a 2023 Kia Sorento is $1,469 cheaper than the Subaru Ascent, at $38,826 compared to $40,295. Insurance on a Sorento costs an average of $184 more each year than the Subaru Ascent.

Will a used Sorento cost less to insure?

Resisting the showroom glitz for an older model of Kia Sorento could save $424 or more each year on insurance. New 2023 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 2023 model years and various driver age groups. The range of insurance prices goes from the cheapest rate of $1,070 for a 60-year-old driver rated on a 2013 Kia Sorento to a high of $3,220 for a 20-year-old driving a 2023 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 $606 a year (based on 2013 and 2023 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 $1,660 per year, Minneapolis, MN, at $1,636, Omaha, NE, costing $1,456, and Indianapolis, IN, at an estimated $1,304.

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

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

From a state perspective, states like Ohio ($1,128), Virginia ($1,074), and Iowa ($1,082) have the cheapest car insurance rates, while states like Michigan ($2,210), Louisiana ($1,924), and Florida ($2,016) tend to have more expensive Sorento insurance rates.

The next table breaks down average insurance rates on a 2023 Kia Sorento for all fifty U.S. states.