Kia Sorento Car Insurance – 2023 Rates and Cost Comparisons

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 $1,660 per year or around $138 per month, depending on the trim level.
  • With the cheapest insurance rates, the Sorento LX trim level costs an average of $1,518 per year to insure. At the high end, the Sorento SX Prestige Plug-in Hybrid is the most expensive to insure at $1,788 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 $622 per year by only requiring a liability-only policy.

How much does Kia Sorento car insurance cost?

Kia Sorento insurance averages $1,660 per year for a full-coverage policy, or around $138 on a monthly basis. Drivers can plan on paying around $110 less per year to insure a Kia Sorento compared to similar vehicles, and $68 less per year than the $1,728 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 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 August 12, 2023
Kia Sorento Car Insurance Cost Summary
2023 Kia Sorento Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,778$315
Safe Driver Age 20$3,304$275
At-fault Accidents Age 40$2,338$195
Low Deductibles Age 40$2,176$181
Safe Driver Age 30$1,754$146
Safe Driver Age 40$1,660$138
Safe Driver Age 50$1,512$126
Safe Driver Age 60$1,488$124
High Deductibles Age 40$1,396$116
Discount Rate Age 40$1,382$115

In the chart above, Sorento insurance rates range from a discount rate for a 40-year-old driver of $1,382 to the high-risk average rate for a 30-year-old driver of $3,658 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 $5,924 on average, while a 16-year-old female would pay about $5,212. At the age of 18, males would pay around $5,188 and females $4,502.

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 $3,304 per year, while a 20-year-old female pays an estimated $2,448, a difference of $856 per year. The females get the cheaper rate by far. But by age 50, male driver rates are $1,512 and female driver rates are $1,484, a difference of only $28.
  • 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 $50 and $183 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 $278 per year.
  • The higher the deductibles, the lower the cost. Raising deductibles from $500 to $1,000 could save around $264 per year for a 40-year-old driver and $516 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 $276 per year for a 40-year-old driver and $548 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 $1,998 or more per year.
  • Be a careful driver and save. Causing frequent accidents will increase insurance costs, potentially by an extra $770 per year for a 30-year-old driver and as much as $504 per year for a 60-year-old driver.
  • Excellent credit scores get the best rates. Drivers who have credit scores over 800 could save $261 per year compared to a decent credit rating of 670-739. Conversely, a lower credit score could cost around $302 more per year.

What is the cheapest Kia Sorento to insure?

The cheapest Kia Sorento insurance can be found on the LX at $1,518 per year, or about $127 per month. The next cheapest model is the S also at $1,570 per year, and the third cheapest model to insure is the X-Line S AWD at $1,606 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 $1,724,  $1,728, and $1,788 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.

2023 Kia Sorento Insurance Cost by Trim Level
Kia Sorento Trim Level Annual Policy Six-Month Policy Per Month
LX$1,518$759$127
S$1,570$785$131
X-Line S AWD$1,606$803$134
EX$1,630$815$136
EX Hybrid$1,638$819$137
SX$1,670$835$139
X-Line EX AWD$1,680$840$140
SX Prestige Hybrid$1,714$857$143
SX Prestige AWD$1,724$862$144
X-Line SX Prestige AWD$1,728$864$144
SX Prestige Plug-in Hybrid$1,788$894$149

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 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 August 12, 2023
Kia Sorento Insurance Cost by Trim Level

Where does Sorento car insurance cost rank?

The Kia Sorento ranks 10th out of 31 total vehicles in the midsize SUV category for 2023. The Sorento costs an average of $1,660 per year for insurance, while the category average cost is $1,770 annually, a difference of $110 per year.

When compared directly to popular vehicles in the midsize SUV segment, insurance for a Kia Sorento costs $266 less per year than the Jeep Grand Cherokee, $146 less than the Toyota Highlander, $118 more than the Ford Explorer, and $308 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.

Insurance Cost Comparison: Kia Sorento vs Midsize SUVs
Rank Make/Model Insurance Cost Difference
1Honda Passport$1,404-$256
2Subaru Ascent$1,472-$188
3Ford Edge$1,534-$126
4Ford Explorer$1,542-$118
5Volkswagen Atlas$1,546-$114
6Nissan Murano$1,554-$106
7Subaru Outback$1,558-$102
8Volkswagen Atlas Cross Sport$1,616-$44
9Toyota Venza$1,650-$10
10Kia Sorento$1,660--
11Hyundai Palisade$1,680$20
12Toyota 4Runner$1,696$36
13GMC Acadia$1,726$66
14Chevrolet Traverse$1,730$70
15Honda Pilot$1,742$82
16Buick Enclave$1,748$88
17Nissan Pathfinder$1,760$100
18Mazda CX-9$1,762$102
19Mitsubishi Outlander Sport$1,790$130
20Kia Telluride$1,798$138
21Toyota Highlander$1,806$146
22Chevrolet Blazer$1,836$176
23Hyundai Santa Fe$1,858$198
24Jeep Grand Cherokee$1,926$266
25Jeep Cherokee$1,968$308
26Jeep Wrangler$2,008$348
27Ford Bronco$2,014$354
28Tesla Model Y$2,026$366
29Mitsubishi Outlander PHEV$2,072$412
30Dodge Durango$2,158$498
31Rivian R1S$2,216$556

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on the 2023 model year, with the rated driver being a 40-year-old married male with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to rates, which are averaged for all vehicle trim levels. Full-coverage physical damage deductibles are $500 and rates are also averaged for all U.S. states.Data last updated on August 11, 2023
Insurance Cost Comparison: Kia Sorento vs Midsize SUVs

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 $198 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 $106 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 $188 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 $434 or more each year on insurance. New 2023 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 2023 model years and various driver age groups. The range of insurance prices goes from the cheapest rate of $1,098 for a 60-year-old driver rated on a 2013 Kia Sorento to a high of $3,304 for a 20-year-old driving a 2023 model.

Kia Sorento Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2023 Kia Sorento$3,304$1,660$1,488
2022 Kia Sorento$3,200$1,608$1,438
2021 Kia Sorento$3,330$1,666$1,490
2020 Kia Sorento$3,290$1,646$1,472
2019 Kia Sorento$3,158$1,580$1,414
2018 Kia Sorento$3,092$1,544$1,384
2017 Kia Sorento$3,004$1,502$1,344
2016 Kia Sorento$3,106$1,550$1,390
2015 Kia Sorento$2,952$1,476$1,326
2014 Kia Sorento$2,440$1,224$1,100
2013 Kia Sorento$2,446$1,226$1,098

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates for each driver age group are for a 12-month period and assume a 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 August 12, 2023
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 $622 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 $1,696 per year, Minneapolis, MN, at $1,670, Omaha, NE, costing $1,490, and Indianapolis, IN, at an estimated $1,338.

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

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2023 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 August 12, 2023
Kia Sorento Insurance Rates in Large U.S. Cities
Kia Sorento Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$2,888$241
Philadelphia, PA$2,568$214
Las Vegas, NV$2,560$213
Los Angeles, CA$2,552$213
San Francisco, CA$2,214$185
Kansas City, MO$1,974$165
Oklahoma City, OK$1,974$165
Denver, CO$1,934$161
Memphis, TN$1,934$161
Atlanta, GA$1,914$160
San Jose, CA$1,858$155
Phoenix, AZ$1,810$151
Portland, OR$1,788$149
San Diego, CA$1,778$148
Boston, MA$1,774$148
Jacksonville, FL$1,760$147
Chicago, IL$1,724$144
Dallas, TX$1,696$141
Houston, TX$1,684$140
Seattle, WA$1,682$140
Nashville, TN$1,618$135
Milwaukee, WI$1,612$134
Albuquerque, NM$1,584$132
San Antonio, TX$1,534$128
Omaha, NE$1,490$124
Fort Worth, TX$1,484$124
Austin, TX$1,464$122
Indianapolis, IN$1,338$112
Columbus, OH$1,234$103
Charlotte, NC$1,180$98

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

From a state perspective, states like Ohio ($1,166), Virginia ($1,110), and Iowa ($1,116) have the cheapest car insurance rates, while states like Michigan ($2,236), Louisiana ($1,952), and Florida ($2,044) 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.

Kia Sorento Average Insurance Cost by State for 2023
U.S. State Annual Cost Six-month Cost Monthly Cost
Alabama$1,492$746$124
Alaska$1,260$630$105
Arizona$1,518$759$127
Arkansas$1,730$865$144
California$1,992$996$166
Colorado$1,770$885$148
Connecticut$1,840$920$153
Delaware$1,876$938$156
Florida$2,044$1,022$170
Georgia$1,688$844$141
Hawaii$1,138$569$95
Idaho$1,190$595$99
Illinois$1,456$728$121
Indiana$1,244$622$104
Iowa$1,116$558$93
Kansas$1,628$814$136
Kentucky$1,770$885$148
Louisiana$1,952$976$163
Maine$1,006$503$84
Maryland$1,538$769$128
Massachusetts$1,800$900$150
Michigan$2,236$1,118$186
Minnesota$1,424$712$119
Mississippi$1,614$807$135
Missouri$1,862$931$155
Montana$1,520$760$127
Nebraska$1,386$693$116
Nevada$1,972$986$164
New Hampshire$1,118$559$93
New Jersey$1,998$999$167
New Mexico$1,364$682$114
New York$1,910$955$159
North Carolina$1,046$523$87
North Dakota$1,378$689$115
Ohio$1,166$583$97
Oklahoma$1,818$909$152
Oregon$1,546$773$129
Pennsylvania$1,590$795$133
Rhode Island$2,040$1,020$170
South Carolina$1,388$694$116
South Dakota$1,698$849$142
Tennessee$1,576$788$131
Texas$1,538$769$128
Utah$1,454$727$121
Vermont$1,214$607$101
Virginia$1,110$555$93
Washington$1,494$747$125
West Virginia$1,478$739$123
Wisconsin$1,192$596$99
Wyoming$1,472$736$123

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 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 August 11, 2023
Kia Sorento insurance rates by U.S. state