+120 more)
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
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Car insurance rates for a Kia Sorento average $146 per month.
USAA offers the cheapest Kia Sorento auto insurance, averaging $75 per month.
With standard advanced safety features, strong safety ratings, and an affordable price, the Kia Sorento is cheaper to insure than similar midsize SUVs.
Your insurance costs will vary depending on the level of protection you choose. Basic liability insurance is usually the most affordable option and meets the minimum legal requirements in most states. But it covers only injuries or damage you cause to others in an accident.
If you’re financing or leasing your Kia Sorento, your lender will likely require full-coverage insurance. It typically includes liability insurance, plus collision and comprehensive coverage, which help cover repairs to your own vehicle in the event of accidents, theft, or weather damage.
Keep in mind that your deductible and optional add-ons affect total insurance costs.
Here’s a look at the average cost to insure a Kia Sorento and how the pricing compares to other vehicles, according to Compare.com data.
Vehicle  | Average Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| Kia Sorento | $111 | $181 | $146 |
| All vehicles | $116 | $216 | $166 |
While Kia Sorento insurance rates tend to be a bit lower than average, there’s still room to trim your costs further. Rates vary based on company, coverage options, location, and claims risk. Comparing quotes from multiple insurers is one of the most effective ways to find a better deal.
Below, we break down the five most affordable car insurance companies for the Kia Sorento, according to our research.
Company | Average Monthly Premium |
|---|---|
| USAA | $75 |
| State Farm | $83 |
| Allstate | $105 |
| American Family | $112 |
| GEICO | $115 |
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA is one of the most affordable car insurers in the industry, but you must be a member of the military to qualify. The company offers discounts for safe driving, bundling policies, and vehicle storage, as well as optional coverages like roadside assistance and rental reimbursement.
USAA also earns high marks for customer satisfaction and claims handling and holds an A++ (Superior) financial strength rating from AM Best.
Excellent financial strength rating
High claims and customer satisfaction
Affordable Sorento rates
Limited to military members and their families
Higher-than-average number of complaints with the National Association of Insurance Commissioners[1]
Poor Trustpilot rating
| User Reviews | 3.8 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm offers strong savings opportunities for Sorento drivers, especially teens and students. Young drivers can reduce premiums through programs like Steer Clear and Drive Safe & Save, which reward safe driving habits.
Students may also qualify for up to 25% off with State Farm’s good student discount, making it a budget-friendly option for families with college-aged drivers.
| User Reviews | 3.4 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate may be a good fit for Sorento drivers who value digital convenience and customizable coverage. Its highly rated mobile app makes it easy to manage your policy and file claims. Allstate offers features like accident forgiveness and the Drivewise telematics program, which can help offset higher premiums.
The insurer offers fewer discounts than competitors and has below-average claims satisfaction, according to J.D. Power’s 2025 claims study.
Strong mobile app ratings[4]
Superior (A+) AM Best financial strength rating
Broad coverage options
Higher-than-average premiums
Below-average claims satisfaction
Limited discount variety
Compare quotes and save money instantly.
Your Kia Sorento model year can play a major role in your insurance premium. Older Sorento models typically cost less to insure because their lower market value makes them cheaper to repair or replace.
The table below highlights the average monthly insurance cost for various Sorento model years, according to Compare.com data.
Sorento Model Year | Average Monthly Premium |
|---|---|
| 2026 | $175 |
| 2025 | $176 |
| 2024 | $176 |
| 2023 | $176 |
| 2022 | $176 |
| 2021 | $170 |
| 2020 | $162 |
| 2019 | $159 |
| 2018 | $153 |
| 2017 | $150 |
| 2016 | $146 |
| 2015 | $143 |
| 2014 | $141 |
| 2013 | $133 |
| 2012 | $130 |
| 2011 | $126 |
| 2010 | $124 |
| 2009 | $120 |
| 2008 | $118 |
| 2007 | $117 |
| 2006 | $115 |
| 2005 | $112 |
| 2004 | $109 |
| 2003 | $108 |
| 2002 | $109 |
Company | Average Monthly Premium |
|---|---|
| USAA | $90 |
| State Farm | $100 |
| Allstate | $126 |
| American Family | $134 |
| GEICO | $138 |
Company | Average Monthly Premium |
|---|---|
| USAA | $91 |
| State Farm | $100 |
| Allstate | $127 |
| American Family | $135 |
| GEICO | $139 |
Company | Average Monthly Premium |
|---|---|
| USAA | $91 |
| State Farm | $100 |
| Allstate | $127 |
| American Family | $135 |
| GEICO | $139 |
Company | Average Monthly Premium |
|---|---|
| USAA | $90 |
| State Farm | $100 |
| Allstate | $126 |
| American Family | $135 |
| GEICO | $138 |
Company | Average Monthly Premium |
|---|---|
| USAA | $90 |
| State Farm | $100 |
| Allstate | $126 |
| American Family | $135 |
| GEICO | $138 |
Company | Average Monthly Premium |
|---|---|
| USAA | $87 |
| State Farm | $97 |
| Allstate | $122 |
| American Family | $130 |
| GEICO | $134 |
Company | Average Monthly Premium |
|---|---|
| USAA | $83 |
| State Farm | $92 |
| Allstate | $117 |
| American Family | $124 |
| GEICO | $128 |
Company | Average Monthly Premium |
|---|---|
| USAA | $82 |
| State Farm | $90 |
| Allstate | $114 |
| American Family | $122 |
| GEICO | $125 |
Company | Average Monthly Premium |
|---|---|
| USAA | $79 |
| State Farm | $87 |
| Allstate | $110 |
| American Family | $117 |
| GEICO | $120 |
Company | Average Monthly Premium |
|---|---|
| USAA | $77 |
| State Farm | $85 |
| Allstate | $108 |
| American Family | $115 |
| GEICO | $118 |
Company | Average Monthly Premium |
|---|---|
| USAA | $75 |
| State Farm | $83 |
| Allstate | $105 |
| American Family | $112 |
| GEICO | $115 |
Company | Average Monthly Premium |
|---|---|
| USAA | $73 |
| State Farm | $81 |
| Allstate | $103 |
| American Family | $109 |
| GEICO | $112 |
Where you live can affect your car insurance premiums. Insurers factor in things like local accident trends, repair costs, and population density, all of which vary by state. If you’re in a state with high traffic volume or costly repairs, expect to pay more to insure your Sorento.[5]
Below is a breakdown of the average monthly insurance cost for Kia Sorento drivers in each state, according to Compare.com data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $120 |
| Arizona | $128 |
| Arkansas | $139 |
| California | $157 |
| Colorado | $157 |
| Connecticut | $217 |
| Delaware | $182 |
| Florida | $170 |
| Georgia | $195 |
| Hawaii | $96 |
| Idaho | $80 |
| Illinois | $121 |
| Indiana | $100 |
| Iowa | $82 |
| Kansas | $113 |
| Kentucky | $151 |
| Louisiana | $163 |
| Maine | $107 |
| Maryland | $232 |
| Massachusetts | $115 |
| Michigan | $176 |
| Minnesota | $133 |
| Mississippi | $115 |
| Missouri | $139 |
| Montana | $114 |
| Nebraska | $110 |
| Nevada | $193 |
| New Hampshire | $67 |
| New Jersey | $206 |
| New Mexico | $111 |
| New York | $168 |
| North Carolina | $68 |
| North Dakota | $89 |
| Ohio | $94 |
| Oklahoma | $131 |
| Oregon | $117 |
| Pennsylvania | $123 |
| Rhode Island | $168 |
| South Carolina | $187 |
| South Dakota | $105 |
| Tennessee | $109 |
| Texas | $167 |
| Utah | $115 |
| Vermont | $109 |
| Virginia | $137 |
| Washington | $130 |
| Washington D.C. | $240 |
| West Virginia | $113 |
| Wisconsin | $92 |
| Wyoming | $86 |
Age plays a big part in how much you’ll pay for Kia Sorento insurance, largely because insurers use it to predict your driving behavior.
Younger drivers, especially teens, are statistically more likely to take risks behind the wheel, which leads to more accidents and higher insurance costs. In contrast, older drivers typically show safer driving habits and enjoy lower premiums.
Here’s how average insurance rates for Kia Sorento drivers vary by age, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $280 |
| Adults | $146 |
| Seniors | $126 |
Young drivers typically pay more for Kia Sorento car insurance due to risky driving behaviors that increase their likelihood of getting into an accident. Lack of experience, distracted driving, speeding, and driving during nighttime and weekends all contribute to higher insurance rates for this age group.[6]
That said, rates vary by company, so shopping around can help you find the lowest rates. Here are the cheapest insurers for young Sorento drivers, according to Compare.com data.
Older drivers with years of experience behind the wheel can often qualify for lower car insurance rates. Many insurers reward safe driving behavior and lower annual mileage, which can help keep premiums affordable for seniors.
You might get even cheaper rates by shopping around and comparing quotes from multiple companies. The chart below shows the cheapest insurance companies for seniors who own a Sorento, according to our data.
Your driving record plays a huge role in what you pay to insure a Kia Sorento. A clean driving record usually keeps rates lower, while tickets, accidents, and driving under the influence (DUI) convictions can significantly raise premiums. A DUI often triggers the steepest hike and may even cause your insurer to not renew your policy.[7]
Check out the chart below to see average Sorento insurance premiums based on driving record, according to our data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $146 |
| Speeding ticket | $196 |
| At-fault accident | $209 |
| DUI | $245 |
Insurers consider speeding tickets a risk factor because speeding lowers reaction time and increases crash severity.[8] More serious speeding offenses — like going 10+ mph over the limit — can raise your rates even more than minor violations.
Since each company weighs tickets differently, comparing insurers can help limit premium increases. Take a look at the chart below to see which insurers offer the most affordable premiums for Sorento drivers with a speeding ticket, according to Compare.com data.
You’ll usually pay more for Kia Sorento insurance if you cause an accident. Insurers generally charge higher premiums after an accident because past claims mean you’re more likely to file future claims.[9]
Since companies vary widely in how heavily accidents affect premiums, shopping around and keeping a clean driving record can make a big difference in your rates after an at-fault accident.
The following chart shows the cheapest insurance companies for Kia Sorento drivers with a recent at-fault accident, according to Compare.com data.
A DUI conviction typically leads to the steepest insurance rate increase for drivers because it dramatically increases crash risk. About 30% of traffic fatalities each year involve alcohol-impaired driving, with alcohol-related crashes most common among drivers ages 21-24, according to 2023 National Highway Traffic Safety Administration (NHTSA) crash data.
If you have a recent DUI conviction, you may find lower rates with companies specializing in high-risk drivers. Let’s take a look at the chart below, which lists the cheapest insurers for Sorento drivers with a DUI conviction, according to Compare.com data.
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Insurers use your driving profile and the vehicle you drive to determine your car insurance rates. Here are some Kia Sorento features and characteristics that may affect your premium:
Vehicle value: The Kia Sorento has a starting MSRP of $33,635, making it one of the more affordable three-row midsize SUVs and helping keep insurance costs lower.
Trim level: The Sorento comes in eight different trim levels. Insurance rates are higher for higher-end trims with additional features and more expensive replacement costs, like the X-Pro SX Prestige, than for lower trims like the LX or S.
Safety features and ratings: The Sorento has a 5-star NHTSA safety rating and comes with advanced safety features, such as blind-spot monitoring and lane-keeping assist, which can help reduce insurance premiums.
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If you’re looking to maximize your savings on Sorento insurance, these tips can help you accomplish your goal:
Leverage built-in safety tech. Many Sorento models offer safety features that may qualify you for certain insurance discounts.
Pick a lower-cost trim. Choosing a more basic trim like the LX over a higher-end X-Line or X-Pro SX Prestige can reduce your insurance costs.
Drive safely and avoid violations. Keeping a clean driving record helps you avoid rate hikes and may qualify you for safe driver discounts.
Bundle with other policies. If you have homeowners or renters insurance, bundling with your Sorento’s policy can unlock multi-policy savings.
Compare quotes often. Car insurance premiums vary by company. Shop around at least once a year to make sure you’re getting the best deal on your Kia Sorento.
Get coverage for your Kia Sorento at the best price.
Below, you’ll find answers to some common questions about Kia Sorento insurance costs.
No. Kia Sorento insurance rates are slightly lower than the national average for all vehicles, with an average monthly premium of $146, according to Compare.com data. But your actual rate may be higher or lower depending on factors like your age, driving record, location, and the type of coverage you choose.
USAA offers the lowest average rates for Kia Sorento drivers, with premiums starting at $75 per month, according to Compare.com data. That said, it’s still smart to compare quotes from multiple insurers to find the best deal for your specific situation.
It costs an average of $175 per month to insure a 2026 Kia Sorento, according to Compare.com research. Newer vehicles often come with higher insurance costs, but your location and choice of insurance company can also play a major role in what you pay.
Car insurance costs vary across Kia models, with smaller vehicles like the Kia Soul generally costing less to insure. Our data shows that the Soul is the cheapest model to insure, with drivers paying an average of $131 per month.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
