Car Insurance Quotes for a Kia Sorento
Are You Getting the Cheapest Car Insurance Available for a Kia Sorento?
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How Much Is Car Insurance for a Kia Sorento?
The average annual premium for a Kia Sorento is $1,618 for full coverage.
Although drivers do have the option of carrying liability-only coverage (which only provides third-party benefits), full coverage is highly recommended thanks to its combination of third- and first-party benefits, such as liability, comprehensive, and collision coverage.
If you are unsure which policy is right for you, Freeway Insurance is ready to help you find affordable coverage. All you need to do is contact us for a free, no-obligation quote.
Getting a Free Auto Insurance quote with Freeway is easy!
Comparing Insurance Costs for Sorento to Other Vehicles
Every Kia Sorento driver can expect to pay a different premium than drivers of vehicles within the same class, like the Mazda CX-5, Hyundai Tucson, Ford Explorer, and Subaru Forester. There are many reasons, including the number of safety features, model year, depreciation rate, and the cost of parts and labor for each model.
| Make/Model | Annual Full Coverage Insurance |
|---|---|
| Kia Sorento | $1,618 |
| Mazda CX-5 | $1,522 |
| Hyundai Tucson | $1,278 |
| Ford Explorer | $1,536 |
| Subaru Forester | $1,064 |
Types of Car Insurance Coverage for a Kia Sorento
Freeway Insurance offers many policy options, including but not limited to state minimum liability and full coverage.
State minimum liability includes two types of coverage: bodily injury and property damage liability, which pay for the injuries/death of other people and damages to someone else’s property in an at-fault accident you are responsible for.
Full coverage provides first- and third-party benefits with liability, collision, and comprehensive. People with a full coverage policy may also pursue add-ons like rental car reimbursement, roadside assistance, and medical payments (MedPay) coverage to complement their insurance policy.
Full Coverage
Full coverage typically comprises a policy with liability, collision, and comprehensive insurance.
Kia Sorento drivers can opt for additional coverages for greater peace of mind, such as personal injury protection (PIP) and uninsured/underinsured motorist coverage. These also may or may not be required depending on your state.
Full coverage is better than state minimum liability because it offers first-party benefits like physical damage protection (collision/comprehensive) for your vehicle. Even if it costs several hundred dollars more per year than a liability-only policy, its first-party benefits are well worth it.
Don’t rely on a liability-only policy, which only provides third-party benefits covering the cost of injuries and damages to others, not to yourself or your vehicle.
State Minimum Liability
State minimum liability is the minimum liability insurance coverage you must carry by law. On top of it being a legal requirement, it offers financial protection for drivers.
Every state has mandated minimum liability limits. For example, North Carolina drivers must carry a 30/60/25 policy (or $30,000 in bodily injury liability per person, $60,000 in bodily injury liability per accident, and $25,000 in property damage liability per accident). It is recommended you carry well above the state minimums because even a single accident may cost $100,000 in medical expenses and $60,000 in property damages to third parties.
In North Carolina, anyone carrying a state minimum liability policy will be forced to pay out of pocket to cover the remaining expenses, resulting in potential lawsuits by others.
Individual Factors That Influence Pricing for the Sorento
Insurance companies use dozens of variables to determine how much you pay in premiums. Criteria include but are not limited to age, driving record, location, vehicle make/model, and any applicable discounts.
Age
As you may know, younger drivers pay significantly higher premiums than older drivers, thanks to a higher likelihood of being involved in an accident and their limited driving history. With a clean driving record, your premium should taper down in your 30s, 40s, and 50s before eventually ticking up in your 60s and 70s.
Driving Record
Another important aspect is your driving record. A history of accidents, traffic violations, and DUI convictions can all spike your premiums upward. The same with your location, where high-risk crime areas have an increased risk of theft, property damage, and other scenarios that make your vehicle risky to insure.
Make/Model
Lastly, remember your vehicle’s make and model. Cars with an extensive recall record, low depreciation rate, high cost, lack of safety features, and similar variables can expect higher premiums.
How Does a DUI Affect Insurance Rates for a Kia?
One of the worst things you can do as a Kia Sorento driver is to be convicted of a DUI.
For starters, DUI has increased premiums and potential renewal issues. With your premiums, expect them to double or triple, depending on the severity of the offense. On top of that, you will be required to file an SR-22, which is proof of financial responsibility filed with your insurance company that lets the state know you’re carrying valid liability insurance.
Lastly, remember potential renewal issues. Insurance companies reserve the right to deny or cancel your policy outright, citing you as too much of a risk to insure. From there, you would have to see if companies specializing in DUI solutions are willing to take you in at much higher premiums.
What Are Some Car Insurance Discounts for a Kia Sorento?
Two of the most popular auto insurance discounts for Kia Sorento drivers are good driver and multi-policy discounts. With good driver discounts, you are rewarded for a clean driving record, which means no claims, traffic violations, or at-fault accidents that would cause you to be perceived as a higher risk in the eyes of the lender. Multi-policy discounts are offered to policyholders who take out multiple insurance policies with the same provider.
Other discounts available to Kia Sorento drivers include:
Multi-car discount. Insuring more than one vehicle under the same policy.
Defensive driving discount. Awarded for completing a state-approved defensive driving course.
Low mileage discount. Awarded for driving less than a specific number of miles per year, usually 7,500 or 10,000. Specific mileage requirements vary by insurer.
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What Are Some of the Characteristics of the Kia Sorento?
This is a vehicle in the midsize SUV segment.
It comes in five trims (LX, S, EX, SX, and SX Prestige), as well as the choice of two engines (a 191-horsepower and a 281-horsepower turbo-four engine).
Standard features include eight-speed automatic transmission, 17-inch alloy wheels, wireless Apple CarPlay/Android Auto compatibility, an eight-inch touch screen, six USB ports, and a six-speaker stereo. Upgrading to the highest-level trim as a 10.3-inch touch screen, panoramic sunroof, and an extra inch of ground clearance for off-roaders.
Main competitors are the Mazda CX-5, Hyundai Tucson, Ford Explorer, and Subaru Forester.
Find the Best Car Insurance Rates Online for the Kia Sorento Today
Freeway Insurance is more than ready to help you explore your options. Whether it’s a state minimum liability or full coverage policy, we have your back.
To get started with Freeway Insurance, you may request a quote online, make an in-person trip to one of our offices, or call 800-777-5620 to speak with one of our service representatives. Give us a call today! You’ll save more than you think!