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Ben Luthi is a Utah-based insurance writer for Compare.com. With more than a decade of experience covering various insurance and personal finance topics, Ben is passionate about helping people make smart decisions with their money. His work has appeared on a variety of well-known personal finance websites, including the Wall Street Journal, Fortune, Credit Karma, Yahoo! Finance, Experian, NerdWallet, Insurify, and many more.
Ben has been writing for Compare.com since 2025.
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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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Kia Sorento drivers pay an average of $96 per month for liability-only coverage and $176 per month for full coverage, according to Compare.com data. Both rates are below the national average for all vehicles, thanks in part to the Sorento’s strong safety ratings and lower-than-average repair costs.[1][2]
That said, your Kia Sorento insurance costs will vary based on several factors, including your location, age, and driving history. Knowing how these details affect your premiums can help you find the right coverage and maximize your savings.
Here’s what you need to know about Kia Sorento car insurance and how to lock in the most affordable rates for your SUV.
Kia Sorento owners can find the cheapest auto insurance coverage with Mile Auto, which costs an average of $67 per month.
Some of the best auto insurers for Kia Sorento drivers include Travelers, Nationwide, and State Farm.
Teens pay more than twice as much as adults for Sorento coverage.
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, plus collision and comprehensive insurance, which help cover repairs to your own vehicle from accidents, theft, weather damage, and more. For most drivers, these types of policies are definitely worth considering, regardless of lender requirements.
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 Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Kia Sorento | $96 | $176 | $136 |
| All vehicles | $108 | $193 | $150 |
Kia Sorento drivers pay an average of $96 per month for liability insurance and $176 per month for full coverage. But your exact premium will vary based on factors like your driving history, location, the age of your Sorento, and your insurance company.
While Kia Sorento insurance rates tend to be a bit lower than average, there’s still room to trim your costs further. 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 |
|---|---|
| Mile Auto | $67 |
| Travelers | $76 |
| Certainly | $77 |
| Nationwide | $83 |
| Just Insure | $85 |
Mile Auto, which offers pay-per-mile insurance, boasts the cheapest average rates for Sorentos, at just $67 per month.
The companies above offer some of the lowest average rates for Kia Sorento drivers, but that doesn’t guarantee they’ll be the most affordable choice for your situation. Since premiums vary based on personal factors, it’s important to compare quotes from several insurers.
Up next, we’ll highlight the top insurers for different types of Sorento owners.
Compare quotes and save money instantly.
No single insurance company is the best fit for every Kia Sorento driver. To help narrow your search, we’ve highlighted three top insurers for the Sorento based on factors like average premium costs, available discounts, customer reviews, and policy features.
| AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
|---|---|
| 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. | NR |
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Travelers offers competitive rates for Kia Sorento owners and numerous discounts tailored to different driving profiles. You could qualify for savings if you drive safely, own a hybrid or electric Sorento, are a student, or recently purchased a new vehicle.
That said, Travelers isn’t available nationwide, and some discounts — such as safe driver, multi-car, or new vehicle savings — may not apply in every state.
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 641 |
|---|---|
| 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 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $96/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $179/mo |
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Nationwide offers flexible coverage options for Kia Sorento owners, allowing you to tailor your policy with useful add-ons like gap insurance, rental car reimbursement, accident forgiveness, roadside assistance, and more.
You can also save with usage-based programs like SmartRide and SmartMiles, which reward safe and low-mileage driving, respectively. Just note that Nationwide coverage isn’t currently available in Alaska, Hawaii, Louisiana, or Massachusetts.
Usage-based insurance available
Multiple add-ons to customize your coverage
Strong claims satisfaction rating
Fewer discounts than some other insurers
Excellent mobile app experience[5]
Not available in all states
| User Reviews | 3.9 |
|---|---|
| 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 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $58/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $113/mo |
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.
Many discounts available
Above-average claims satisfaction rating
Roadside assistance available
Limited coverage add-ons
Not available in Massachusetts or Rhode Island
Higher-than-average customer complaints[6]
Comparing quotes can save you up to $867.†
The age of your Kia Sorento 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 |
|---|---|
| 2025 | $157 |
| 2024 | $167 |
| 2023 | $162 |
| 2022 | $157 |
| 2021 | $148 |
| 2020 | $149 |
| 2019 | $147 |
| 2018 | $143 |
| 2017 | $141 |
| 2016 | $140 |
| 2015 | $126 |
| 2014 | $129 |
| 2013 | $120 |
| 2012 | $121 |
Your location plays a big role in determining your auto insurance premium. Up next, we’ll break down the average cost of insuring a Sorento in each state.
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.[7]
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 | $80 |
| Arizona | $107 |
| Arkansas | $153 |
| California | $154 |
| Colorado | $126 |
| Connecticut | $244 |
| Delaware | $149 |
| Florida | $157 |
| Georgia | $159 |
| Idaho | $81 |
| Illinois | $100 |
| Indiana | $86 |
| Iowa | $73 |
| Kansas | $98 |
| Kentucky | $157 |
| Louisiana | $145 |
| Maine | $95 |
| Maryland | $221 |
| Massachusetts | $121 |
| Michigan | $188 |
| Minnesota | $121 |
| Mississippi | $121 |
| Missouri | $118 |
| Montana | $98 |
| Nebraska | $113 |
| Nevada | $191 |
| New Hampshire | $74 |
| New Jersey | $127 |
| New Mexico | $93 |
| New York | $309 |
| North Carolina | $60 |
| North Dakota | $93 |
| Ohio | $82 |
| Oklahoma | $104 |
| Oregon | $103 |
| Pennsylvania | $105 |
| Rhode Island | $92 |
| South Carolina | $176 |
| South Dakota | $78 |
| Tennessee | $90 |
| Texas | $142 |
| Utah | $117 |
| Vermont | $87 |
| Virginia | $116 |
| Washington | $90 |
| District of Columbia | $182 |
| West Virginia | $93 |
| Wisconsin | $82 |
| Wyoming | $78 |
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 | $256 |
| Adults | $124 |
| Seniors | $105 |
Sorento drivers can expect a significant drop in insurance costs as they move from their teens into adulthood, with average monthly premiums falling by more than half.
Rates continue to decline into your senior years before gradually rising again in your 70s, when insurers begin to factor in age-related risks.
Your driving history also has a significant effect on your Kia Sorento insurance rates. Unlike demographic factors, your record reflects your behavior behind the wheel, giving insurers a look into your overall risk as a driver.
If an officer gives you a speeding ticket, you cause an accident, or you have a driving under the influence (DUI) conviction on your record, insurers see you as a high-risk driver and will likely charge you higher rates.
Below, we break down how different violations can affect your monthly insurance premiums for a Sorento.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $136 |
| Speeding ticket | $189 |
| At-fault accident | $197 |
| DUI | $224 |
Getting a speeding ticket or causing an accident can lead to a noticeable jump in your Kia Sorento insurance rates, but a DUI can raise your premium by a staggering 65%.
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The Kia Sorento offers several features and trim options that can potentially affect your costs. Depending on the model and configuration, your premium may go up or down.
Here are a few factors to consider:
Advanced safety features: Sorento models equipped with driver-assistance tech like lane-following assist, automatic emergency braking, and blind-spot collision warning may earn discounts from some insurers.
All-wheel drive (AWD): Choosing AWD improves traction but may increase premiums due to higher repair and replacement costs.
Trim level and engine size: More expensive trims or turbocharged engines can raise your rates because they cost more to repair or replace after an accident.
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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 $136, 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.
Mile Auto offers the lowest average rates for Kia Sorento drivers, with premiums starting at $67 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 $157 per month to insure the 2025 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.
Some insurance companies have refused to insure certain older Kia models without push-button start, due to a surge in thefts linked to a viral TikTok challenge. These models lack engine immobilizers, a common anti-theft feature, making them easier targets for thieves.[8]
The good news is that the carmaker has developed theft-deterrent software to help prevent thefts and will install it free of charge, according to the National Highway Traffic Safety Administration. The software may make it easier for you to get the coverage you need.
Your car insurance costs will depend on the Kia model you buy, its age, repair and replacement costs, and other factors. At $136 per month, the Sorento’s average insurance cost is low compared to other vehicles nationally. Keep in mind that average rates can vary for other Kia models.
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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Ben Luthi is a Utah-based insurance writer for Compare.com. With more than a decade of experience covering various insurance and personal finance topics, Ben is passionate about helping people make smart decisions with their money. His work has appeared on a variety of well-known personal finance websites, including the Wall Street Journal, Fortune, Credit Karma, Yahoo! Finance, Experian, NerdWallet, Insurify, and many more.
Ben has been writing for Compare.com since 2025.
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.
