Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used Kia Sorento? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Kia Sorento car insurance facts

  • Average full coverage auto insurance premium: $114/month

  • Most affordable companies: Auto-Owners Insurance ($76/month) & USAA ($81/month)

  • Sorento car insurance cost vs. average rates: $20 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Kia Sorento by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Kia Sorento insurer costs by state:

Risk factors affecting Kia Sorento car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Kia Sorento car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Kia models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Kia automobile brand

Kia Corporation is a South Korean multinational automaker specializing in affordable sport utility vehicles (SUVs) and exceptional reliability for the United States market. Kia is the second-largest auto manufacturer in South Korea after Hyundai. The target audience of Kia is young couples that are physically active with a high interest in new technology. All Kia automobiles have high safety ratings, with many of their cars getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Kia Forte, Kia Soul, Optima, and Kia Sorento are some of their most popular vehicles.

High Kia Sorento repair costs equal high coverage rates

Many consumers are attracted to Kia’s high-tech innovations and features, increased value for the money, and driver-assist technologies, like Kia’s DriveWise safety features. Automotive parts are common but generally more expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Kia is higher than average since repair parts are slightly more expensive. For this reason, many Kias are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Kia Sorento affecting auto policies

Another factor to consider for Kia is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Kia models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Kia IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Kias are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Kia’s DriveWise technology innovations and safety, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Kia models. The Kia Forte, Stinger, Sportage, and Sorento are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Kia automobiles top safety ratings each year lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Kia automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Kia Sorento

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1936
Acuity$1842
Allstate$1430
Auto-Owners$932
Direct Auto$1830
Erie$1098
GEICO$1129
Kentucky Farm Bureau$1609
Liberty Mutual$1390
Nationwide$1306
Progressive$1577
Safe Auto$1459
State Farm$1163
Tennessee Farmers$1049
Texas Farm Bureau$1188
The Hanover$1754
Travelers$1215
USAA$1035

Compare all 2021 Kia Sorento rates

Average Cost to Insure Per Year

$1352

List Price

$29390

Trims Available

L - LX - LX V6 - EX - EX V6 - SX V6 - SX Limited V6 - Base Engine: 2.5-liter four-cylinder at 191 horsepower with driver assist technologies (Kia Drive WiSE): Blind-Spot Collision Avoidance Assist-Rear (BCA-R), Forward Collison-Avoidance Assist (FCA), Lane Keep Assist (LKA), Rear Cross-Traffic Collison-Avoidance (RCCA), Safe Exit Assist (SEA), Adaptive Cruise Control with stop-and-go capability, automatic forward emergency braking, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes. Brake Assist, Daytime Running Lights, Integrated Turn Signal Mirrors

2020 Kia Sorento

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1820
Allstate$1402
Auto-Owners$926
Erie$1008
Farmers$1579
GEICO$1040
Liberty Mutual$1329
Mercury$1487
Nationwide$1269
Progressive$1566
State Farm$1098
Tennessee Farmers$978
Texas Farm Bureau$1135
The Hanover$1740
Travelers$1157
USAA$934

Compare all 2020 Kia Sorento rates

Average Cost to Insure Per Year

$1326

List Price

$26990

Trims Available

L - LX - LX V6 - EX - EX V6 - SX V6 - SX Limited V6 - Base Engine: 2.5-liter four-cylinder at 191 horsepower with driver assist technologies (Kia Drive WiSE): Blind-Spot Collision Avoidance Assist-Rear (BCA-R), Forward Collison-Avoidance Assist (FCA), Lane Keep Assist (LKA), Rear Cross-Traffic Collison-Avoidance (RCCA), Safe Exit Assist (SEA), Adaptive Cruise Control with stop-and-go capability, automatic forward emergency braking, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes. Brake Assist, Daytime Running Lights, Integrated Turn Signal Mirrors

2019 Kia Sorento

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1820
Allstate$1399
Auto-Owners$916
Erie$1028
GEICO$1037
Kentucky Farm Bureau$1690
Liberty Mutual$1324
Mercury$1489
Nationwide$1265
Progressive$1567
State Farm$1105
Tennessee Farmers$980
Texas Farm Bureau$1138
The Hanover$1735
Travelers$1155
USAA$936

Compare all 2019 Kia Sorento rates

Average Cost to Insure Per Year

$1286

List Price

$26290

Trims Available

L - LX - LX V6 - EX - EX V6 - SX V6 - SX Limited V6 - Base Engine: 2.5-liter four-cylinder at 191 horsepower with driver assist technologies (Kia Drive WiSE): Blind-Spot Collision Avoidance Assist-Rear (BCA-R), Forward Collison-Avoidance Assist (FCA), Lane Keep Assist (LKA), Rear Cross-Traffic Collison-Avoidance (RCCA), Safe Exit Assist (SEA), Adaptive Cruise Control with stop-and-go capability, automatic forward emergency braking, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes. Brake Assist, Daytime Running Lights, Integrated Turn Signal Mirrors

2018 Kia Sorento

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1202
Acuity$ 1202
Allied$ 990
Allied$ 990
Country$ 1235
Country$ 1235
Erie$ 931
Erie$ 931
GEICO$ 706
GEICO$ 706
Nationwide$ 967
Nationwide$ 967
Plymouth Rock Insurance$ 1148
Plymouth Rock Insurance$ 1148
Progressive$ 772
Progressive$ 772
State Farm$ 997
State Farm$ 997
Tennessee Farmers$ 1088
Tennessee Farmers$ 1088
USAA$ 936
USAA$ 936
Vermont Mutual$ 1121
Vermont Mutual$ 1121

Compare all 2018 Kia Sorento rates

Average Cost to Insure Per Year

$ 1120

List Price

$ 25900

Trims Available

L - LX - LX V6 - EX - EX V6 - SX V6 - SX Limited V6

2017 Kia Sorento

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1149
Acuity$ 1149
Allied$ 1073
Allied$ 1073
Erie$ 844
Erie$ 844
GEICO$ 598
GEICO$ 598
Nationwide$ 979
Nationwide$ 979
Plymouth Rock Insurance$ 1113
Plymouth Rock Insurance$ 1113
Progressive$ 767
Progressive$ 767
State Farm$ 932
State Farm$ 932
Tennessee Farmers$ 1029
Tennessee Farmers$ 1029
Texas Farm Bureau$ 818
Texas Farm Bureau$ 818
USAA$ 861
USAA$ 861
Vermont Mutual$ 1017
Vermont Mutual$ 1017

Compare all 2017 Kia Sorento rates

Average Cost to Insure Per Year

$ 1031

List Price

$ 25100

Trims Available

Limited - L - LX - LX V6 - EX - EX V6 - SX V6 - SX Limited V6

2016 Kia Sorento

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1127
Acuity$ 1127
Allied$ 1116
Allied$ 1116
Erie$ 783
Erie$ 783
GEICO$ 635
GEICO$ 635
Nationwide$ 1023
Nationwide$ 1023
Plymouth Rock Insurance$ 1093
Plymouth Rock Insurance$ 1093
Progressive$ 764
Progressive$ 764
State Farm$ 1006
State Farm$ 1006
Tennessee Farmers$ 960
Tennessee Farmers$ 960
Texas Farm Bureau$ 804
Texas Farm Bureau$ 804
USAA$ 836
USAA$ 836
Vermont Mutual$ 992
Vermont Mutual$ 992

Compare all 2016 Kia Sorento rates

Average Cost to Insure Per Year

$ 1018

List Price

$ 25100

Trims Available

L - LX - LX V6 - EX - EX V6 - SX V6 - SX Limited - SX Limited V6

2015 Kia Sorento

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1109
Acuity$ 1109
Allied$ 1018
Allied$ 1018
Erie$ 852
Erie$ 852
GEICO$ 807
GEICO$ 807
Nationwide$ 1076
Nationwide$ 1076
Plymouth Rock Insurance$ 1077
Plymouth Rock Insurance$ 1077
Progressive$ 874
Progressive$ 874
State Farm$ 1063
State Farm$ 1063
Tennessee Farmers$ 975
Tennessee Farmers$ 975
Texas Farm Bureau$ 805
Texas Farm Bureau$ 805
USAA$ 897
USAA$ 897
Vermont Mutual$ 966
Vermont Mutual$ 966

Compare all 2015 Kia Sorento rates

Average Cost to Insure Per Year

$ 1060

List Price

$ 24300

Trims Available

LX - EX - SX - SX Limited

2014 Kia Sorento

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1015
Acuity$ 1015
Country$ 1074
Country$ 1074
Erie$ 731
Erie$ 731
GEICO$ 592
GEICO$ 592
Nationwide$ 1047
Nationwide$ 1047
Plymouth Rock Insurance$ 1036
Plymouth Rock Insurance$ 1036
Progressive$ 780
Progressive$ 780
State Farm$ 916
State Farm$ 916
Tennessee Farmers$ 911
Tennessee Farmers$ 911
Texas Farm Bureau$ 762
Texas Farm Bureau$ 762
USAA$ 775
USAA$ 775
Vermont Mutual$ 869
Vermont Mutual$ 869

Compare all 2014 Kia Sorento rates

Average Cost to Insure Per Year

$ 947

List Price

$ 24100

Trims Available

LX - EX - SX - SX Limited

2013 Kia Sorento

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 868
Acuity$ 868
American Family$ 917
American Family$ 917
Arbella$ 937
Arbella$ 937
Erie$ 620
Erie$ 620
GEICO$ 468
GEICO$ 468
Nationwide$ 926
Nationwide$ 926
Progressive$ 695
Progressive$ 695
State Farm$ 724
State Farm$ 724
Tennessee Farmers$ 806
Tennessee Farmers$ 806
Texas Farm Bureau$ 712
Texas Farm Bureau$ 712
USAA$ 658
USAA$ 658
Vermont Mutual$ 743
Vermont Mutual$ 743

Compare all 2013 Kia Sorento rates

Average Cost to Insure Per Year

$ 824

List Price

$ 23150

Trims Available

LX - EX - SX

2012 Kia Sorento

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 827
Acuity$ 827
American Family$ 869
American Family$ 869
Country$ 888
Country$ 888
Erie$ 584
Erie$ 584
GEICO$ 450
GEICO$ 450
Nationwide$ 907
Nationwide$ 907
Progressive$ 638
Progressive$ 638
State Farm$ 638
State Farm$ 638
Tennessee Farmers$ 765
Tennessee Farmers$ 765
Texas Farm Bureau$ 701
Texas Farm Bureau$ 701
USAA$ 598
USAA$ 598
Vermont Mutual$ 698
Vermont Mutual$ 698

Compare all 2012 Kia Sorento rates

Average Cost to Insure Per Year

$ 779

List Price

$ 21250

Trims Available

Base - LX - EX - SX

2011 Kia Sorento

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 885
American Family$ 885
Arbella$ 884
Arbella$ 884
Country$ 894
Country$ 894
Erie$ 598
Erie$ 598
GEICO$ 473
GEICO$ 473
Nationwide$ 880
Nationwide$ 880
Progressive$ 647
Progressive$ 647
State Farm$ 723
State Farm$ 723
Tennessee Farmers$ 792
Tennessee Farmers$ 792
Texas Farm Bureau$ 648
Texas Farm Bureau$ 648
USAA$ 603
USAA$ 603
Vermont Mutual$ 698
Vermont Mutual$ 698

Compare all 2011 Kia Sorento rates

Average Cost to Insure Per Year

$ 789

List Price

$ 21195

Trims Available

Base - LX - EX - SX