Kia Sorento Car Insurance – 2022 Rates and Cost Comparisons

How much does Sorento insurance cost? We compare rates from the base L 2WD model up to the SX 4WD trim to see how prices rank against the competition.

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  • Kia Sorento insurance costs an average of $1,432 per year or around $119 per month, depending on the trim level.
  • With the cheapest insurance rates, the Sorento LX trim level costs an average of $1,322 per year to insure. At the high end, the Sorento SX Prestige Plug-in Hybrid is the most expensive to insure at $1,602 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 $570 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 $1,432 per year for a full-coverage policy, or around $119 on a monthly basis. Drivers can plan on paying around $100 less per year to insure a Kia Sorento compared to similar vehicles, and $119 less per year than the $1,551 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Kia Sorento with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Kia Sorento trim levels.Data last updated on April 20, 2022
Kia Sorento Car Insurance Cost Summary
Kia Sorento Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,252$271
Safe Driver Age 20$2,850$238
At-fault Accidents Age 40$2,020$168
Low Deductibles Age 40$1,874$156
Safe Driver Age 30$1,514$126
Safe Driver Age 40$1,432$119
Safe Driver Age 50$1,306$109
Safe Driver Age 60$1,282$107
High Deductibles Age 40$1,206$101
Discount Rate Age 40$1,190$99

In the chart above, Sorento insurance rates range from a discount rate for a 40-year-old driver of $1,190 to the high-risk average rate for a 30-year-old driver of $3,242 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 $5,110 on average, while a 16-year-old female would pay about $4,498. At the age of 18, males would pay around $4,470 and females $3,882.

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 $2,850 per year, while a 20-year-old female pays an estimated $2,108, a difference of $742 per year. The females get the cheaper rate by far. But by age 50, male driver rates are $1,306 and female driver rates are $1,280, 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 $158 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 $242 per year.
  • The higher the deductibles, the lower the cost. Raising deductibles from $500 to $1,000 could save around $226 per year for a 40-year-old driver and $444 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 $470 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 $1,718 or more per year.
  • Be a careful driver and save. Causing frequent accidents will increase insurance cost, potentially by an extra $662 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 $225 per year compared to a decent credit rating of 670-739. Conversely, a lower credit score could cost around $261 more per year.

What is the cheapest Sorento to insure?

The cheapest Kia Sorenta insurance can be found on the LX at $1,322 per year, or about $110 per month. The next cheapest model is the S also at $1,344 per year, and the third cheapest model to insure is the S Hybrid at $1,368 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 $1,478,  $1,578, and $1,602 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.

2022 Kia Sorento Insurance Cost by Trim Level
Kia Sorento Trim Level Annual Policy 6-month Policy Per Month
LX$1,322$661$110
S$1,344$672$112
S Hybrid$1,368$684$114
X-Line S AWD$1,376$688$115
EX$1,390$695$116
EX Hybrid$1,414$707$118
SX$1,422$711$119
X-Line EX AWD$1,432$716$119
SX Prestige$1,460$730$122
X-Line SX Prestige AWD$1,478$739$123
SX Plug-in Hybrid$1,578$789$132
SX Prestige Plug-in Hybrid$1,602$801$134

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Kia Sorento, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 24, 2022
Kia Sorento Insurance Cost by Trim Level

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 $1,432 per year for insurance, while the category average cost is $1,532 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, $92 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.

Insurance Cost Comparison: Kia Sorento vs Midsize SUVs
Rank Make/Model Insurance Cost Difference
1Honda Passport$1,218-$214
2Subaru Ascent$1,300-$132
3Ford Edge$1,364-$68
4Subaru Outback$1,388-$44
5Nissan Murano$1,406-$26
6Toyota Venza$1,414-$18
7Ford Explorer$1,422-$10
8Kia Sorento$1,432--
9Hyundai Palisade$1,452$20
10Volkswagen Atlas$1,462$30
11Toyota 4Runner$1,476$44
12Volkswagen Atlas Cross Sport$1,514$82
13Mazda CX-9$1,518$86
14GMC Acadia$1,520$88
15Toyota Highlander$1,524$92
16Nissan Pathfinder$1,530$98
17Honda Pilot$1,534$102
18Mitsubishi Outlander Sport$1,538$106
19Buick Enclave$1,552$120
20Chevrolet Traverse$1,560$128
21Hyundai Santa Fe$1,578$146
22Kia Telluride$1,586$154
23Chevrolet Blazer$1,600$168
24Jeep Grand Cherokee$1,668$236
25Jeep Cherokee$1,680$248
26Mitsubishi Outlander PHEV$1,754$322
27Dodge Durango$1,772$340
28Tesla Model Y$1,792$360
29Rivian R1S$1,888$456

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 24, 2022
Insurance Cost Comparison: Kia Sorento vs Midsize SUVs

Will a used Sorento cost less to insure?

Resisting the showroom glitz for an older model of Kia Sorento could save $334 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 $986 for a 60-year-old driver rated on a 2013 Kia Sorento to a high of $2,850 for a 20-year-old driving a 2022 model.

Kia Sorento Insurance Cost for 2013-2022 Models
Model Year Driver Age 20 Age 30 Age 40 Age 50 Age 60
2022$2,850$1,514$1,432$1,306$1,282
2021$2,942$1,548$1,476$1,346$1,320
2020$2,892$1,520$1,448$1,322$1,296
2019$2,812$1,474$1,406$1,284$1,258
2018$2,750$1,440$1,374$1,258$1,232
2017$2,710$1,416$1,354$1,236$1,212
2016$2,782$1,438$1,386$1,268$1,242
2015$2,694$1,392$1,346$1,230$1,204
2014$2,218$1,158$1,112$1,016$998
2013$2,196$1,136$1,098$1,006$986

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 24, 2022
Kia Sorento Insurance Cost by Model Year

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 $570 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2022 Kia Sorento, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Kia Sorento trim levels.Data last updated on March 24, 2022
Kia Sorento Insurance Rates in Large U.S. Cities
Kia Sorento Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$2,720$227
Philadelphia, PA$2,404$200
Los Angeles, CA$2,392$199
San Francisco, CA$2,054$171
Jacksonville, FL$2,046$171
San Jose, CA$1,706$142
Phoenix, AZ$1,656$138
San Diego, CA$1,624$135
Chicago, IL$1,566$131
Dallas, TX$1,538$128
Houston, TX$1,532$128
Indianapolis, IN$1,452$121
San Antonio, TX$1,382$115
Austin, TX$1,312$109
Columbus, OH$1,084$90

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 ($2,296), 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.

Kia Sorento Insurance Cost by U.S. State
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama$1,178$589$98
Alaska$1,264$632$105
Arizona$1,286$643$107
Arkansas$1,544$772$129
California$1,654$827$138
Colorado$1,538$769$128
Connecticut$1,398$699$117
Delaware$1,466$733$122
Florida$2,108$1,054$176
Georgia$1,394$697$116
Hawaii$978$489$82
Idaho$1,138$569$95
Illinois$1,164$582$97
Indiana$1,078$539$90
Iowa$1,046$523$87
Kansas$1,450$725$121
Kentucky$1,678$839$140
Louisiana$2,090$1,045$174
Maine$996$498$83
Maryland$1,302$651$109
Massachusetts$1,182$591$99
Michigan$2,296$1,148$191
Minnesota$1,268$634$106
Mississippi$1,362$681$114
Missouri$1,530$765$128
Montana$1,404$702$117
Nebraska$1,376$688$115
Nevada$1,582$791$132
New Hampshire$870$435$73
New Jersey$1,362$681$114
New Mexico$1,156$578$96
New York$1,534$767$128
North Carolina$918$459$77
North Dakota$1,196$598$100
Ohio$838$419$70
Oklahoma$1,400$700$117
Oregon$1,208$604$101
Pennsylvania$1,212$606$101
Rhode Island$1,698$849$142
South Carolina$1,328$664$111
South Dakota$1,308$654$109
Tennessee$1,138$569$95
Texas$1,360$680$113
Utah$1,192$596$99
Vermont$956$478$80
Virginia$930$465$78
Washington$1,094$547$91
West Virginia$1,298$649$108
Wisconsin$978$489$82
Wyoming$1,326$663$111

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Kia Sorento, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Kia Sorento trim levels. Physical damage deductibles are $500 and rates are averaged for all zip codes in each state.Data last updated on March 24, 2022
Kia Sorento insurance rates by U.S. state