Best Kia Sorento Car Insurance in 2024 (Compare the Top 10 Companies)
Geico, State Farm and Progressive provide the best Kia Sorento car insurance, with rates starting at $43 monthly. These leading companies are renowned for their extensive coverage choices, affordable rates, and exceptional customer support, keeping your Kia Sorento securely protected while you're on the road.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Aug 23, 2024
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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Full Coverage for Kia Sorento
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage for Kia Sorento
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage for Kia Sorento
A.M. Best Rating
Complaint Level
Pros & Cons
State Farm, USAA, and Erie are the best Kia Sorento car insurance providers, as they offer a variety of coverages, great customer service, and low premiums.
Kia Sorento insurance rates average $118 a month in full coverage. Good drivers can save up to $49 monthly with insurance discounts by practicing safe driving habits. Let’s take a quick look at Kia Sorento insurance rates, crash test ratings, and more.
Company | Rank | Multi-Vehicle Discount | A.M. Best | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | 10% | B | Many Discounts | State Farm | |
#2 | 15% | A++ | Military Savings | USAA | |
#3 | 12% | A+ | 24/7 Support | Erie | |
#4 | 18% | A+ | Add-on Coverages | Allstate | |
#5 | 5% | A++ | Custom Plan | Geico | |
#6 | 17% | A | Customizable Polices | Liberty Mutual | |
#7 | 20% | A | Local Agents | Farmers | |
#8 | 14% | A | Online App | AAA | |
#9 | 8% | A+ | Innovative Programs | Progressive | |
#10 | 11% | A+ | Usage Discount | Nationwide |
You can start comparing quotes for Kia Sorento car insurance rates from some of the best car insurance companies by using our free online tool now just enter your ZIP code here to start.
- Full coverage costs around $118 each month
- A liability-only policy costs around $47 each month
- Kia Sorento insurance costs around $88/mo more than most cars
#1 – State Farm: Top Overall Pick
Pros
- Extensive Coverage Options: State Farm provides a wide array of coverage options, making it a strong contender for the best Kia Sorento car insurance. Kia Sorento owners can benefit from comprehensive, collision, and liability coverage that caters to various needs. The extensive options ensure that Kia Sorento drivers get tailored protection for their vehicles.
- High Customer Satisfaction: Known for excellent customer service, State Farm is a top choice for those seeking the best Kia Sorento car insurance. With a B rating from A.M. Best, the company ensures that Kia Sorento enthusiasts receive reliable support and a smooth claims process.
- Nationwide Presence: With a broad network of local agents, State Farm provides personalized service, which is advantageous for Kia Sorento owners across the country. The availability of local agents ensures that Kia Sorento drivers can receive in-person assistance and tailored advice.
Cons
- Higher Premiums for Young Drivers: State Farm’s premiums can be higher for younger drivers, which might be a drawback for new Kia Sorento owners. This could affect those who are just starting out and looking for affordable coverage options. More information about their rates in our State Farm car insurance review.
- Limited Modern Features: While State Farm offers solid coverage, it may not have the latest tech features found in some other providers. This could be a downside for Kia Sorento enthusiasts looking for innovative digital tools and advanced technology in their insurance policy.
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#2 – USAA: Best for Military Service
Pros
- Exclusive Military Benefits: USAA is known for providing the best Kia Sorento car insurance for military families and veterans, with a comprehensive range of benefits. With an A++ rating from A.M. Best, Kia Sorento drivers with military affiliations can access exceptional savings and tailored coverage options.
- Exceptional Customer Service: Rated highly for customer service, USAA ensures that Kia Sorento enthusiasts receive top-notch support. The company’s A++ rating reflects its commitment to providing excellent service and a hassle-free claims process.
- Competitive Rates: USAA offers highly competitive rates, making it a great choice for those seeking the best Kia Sorento car insurance. This can result in significant savings for Kia Sorento owners, particularly those with clean driving records. Learn more in our USAA car insurance review.
Cons
- Eligibility Restrictions: USAA insurance is only available to military personnel, veterans, and their families, limiting access for non-military Kia Sorento owners. This restriction might exclude some drivers from benefiting from USAA’s competitive rates.
- Fewer Physical Locations: The limited number of physical branches can be a disadvantage for those who prefer in-person service and support for their Kia Sorento insurance needs.
#3 – Erie: Best for 24/7 Support
Pros
- 24/7 Customer Support: Erie offers round-the-clock customer service, making it a reliable choice for the best Kia Sorento car insurance. Kia Sorento drivers can get assistance at any time, ensuring that their coverage needs are always addressed promptly.
- Affordable Premiums: Known for competitive pricing, Erie provides budget-friendly insurance options, which is ideal for Kia Sorento enthusiasts looking to save money. The 12% multi-vehicle discount further enhances affordability.
- Strong Reputation: With an A+ rating from A.M. Best, Erie has a solid reputation for reliability and effective claims handling. This makes it a trustworthy choice for Kia Sorento drivers seeking dependable coverage. Learn more through our expert guide titled “How do you get an Erie car insurance quote online?“
Cons
- Regional Availability: Erie’s services are limited to specific regions, which might not cover all areas where Kia Sorento drivers reside. This can restrict access for some potential customers.
- Basic Tech Features: While offering good coverage, Erie may lack some of the advanced digital tools found in other providers, which could be a downside for tech-savvy Kia Sorento enthusiasts.
#4 – Allstate: Best for Add-on Coverages
Pros
- Customizable Add-On Coverages: Allstate stands out with a range of optional coverages, making it a top choice for the best Kia Sorento car insurance. Kia Sorento owners can tailor their policies to include features like accident forgiveness and new car replacement.
- Strong Claim Handling: With an A+ rating from A.M. Best, Allstate is known for effective and efficient claims processing. Kia Sorento drivers can rely on prompt and fair handling of their claims.
- Local Agent Network: As mentioned in our Allstate car insurance review, The extensive network of local agents provides personalized service, which is beneficial for Kia Sorento drivers seeking tailored insurance solutions. This personal touch can enhance the overall insurance experience.
Cons
- Potentially Higher Premiums: Allstate’s rates can be higher compared to some competitors, which might be a consideration for cost-conscious Kia Sorento drivers. This could impact overall affordability for some customers.
- Complex Policy Options: The multitude of add-on options and coverages may be overwhelming for some Kia Sorento enthusiasts, making it difficult to choose the right policy.
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#5 – Geico: Best for Custom Plan
Pros
- Customizable Insurance Plans: Geico provides flexible and customizable plans, making it a strong contender for the best Kia Sorento car insurance. Kia Sorento owners can tailor their coverage to fit specific needs and preferences.
- Affordable Rates: Known for its competitive pricing, Geico offers budget-friendly insurance options that can be advantageous for Kia Sorento drivers. The 5% multi-vehicle discount further enhances affordability. Learn more in our Geico car insurance review.
- Diverse Discount Options: Geico offers various discounts, including those for good driving habits and multiple vehicles, which can lower premiums for Kia Sorento drivers. This helps in making insurance more cost-effective.
Cons
- Service Quality Variation: Geico’s customer service quality can vary by location, which might affect the experience for Kia Sorento owners. Inconsistent service could impact overall satisfaction.
- Limited In-Person Service: Fewer local agents available for face-to-face interactions might be a drawback for those who prefer in-person service.
#6 – Liberty Mutual: Best for Customizable Policies
Pros
- Highly Customizable Policies: Liberty Mutual offers extensive customization options, making it a great choice for the best Kia Sorento car insurance. Kia Sorento drivers can adjust their policies to include a variety of coverage options.
- Innovative Discounts: Liberty Mutual provides unique discounts, such as those for hybrid vehicles, which can be beneficial for Kia Sorento owners looking to save. The 17% multi-vehicle discount also adds to affordability.
- Strong Online Tools: The company’s robust online tools and mobile app make managing insurance policies convenient for Kia Sorento enthusiasts. These digital features enhance the overall user experience. Learn more about this provider in our thorough article titled “Liberty Mutual Car Insurance Review.”
Cons
- Higher Rates for Certain Drivers: Liberty Mutual may charge higher premiums for high-risk drivers, which could be a downside for some Kia Sorento owners. This could affect those with less favorable driving records.
- Customer Service Complaints: Some customers report slower response times and service issues, which might impact the experience for Kia Sorento drivers seeking quick assistance.
#7 – Farmers: Best for Local Agents
Pros
- Personalized Service: Farmers emphasizes personalized service through local agents, making it a top choice for the best Kia Sorento car insurance. Kia Sorento drivers benefit from tailored advice and support.
- Comprehensive Coverage Choices: Farmers offers a wide range of coverage options, ensuring that Kia Sorento owners receive protection suited to their needs. This includes various add-ons and enhancements.
- Local Community Presence: With a strong presence in local communities, Farmers provides knowledgeable agents who understand the specific needs of Kia Sorento drivers. Take a look at our article titled “Farmers Car Insurance Review.”
Cons
- Potentially Higher Premiums: Farmers’ insurance rates may be higher compared to some competitors, which could be a consideration for budget-conscious Kia Sorento drivers.
- Complex Policy Options: The variety of policy options and add-ons may be complex and difficult for some Kia Sorento owners to navigate.
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#8 – AAA: Best for Online App
Pros
- Excellent Online Tools: AAA’s mobile app and online platform are user-friendly, providing Kia Sorento owners with easy access to policy details, claims filing, and roadside assistance. This makes managing your insurance as convenient as possible.
- Roadside Assistance: AAA’s roadside assistance is comprehensive, covering issues such as flat tires and lockouts. This benefit is invaluable for Kia Sorento drivers who prioritize quick and reliable roadside support. Learn more details in our AAA car insurance Review
- Competitive Rates for Members: As one of the top providers for the best Kia Sorento car insurance, AAA offers competitive rates and discounts to its members, helping Kia Sorento enthusiasts save on their premiums.
Cons
- Membership Requirement: To access the best Kia Sorento car insurance rates with AAA, you must be a AAA member. This may not be ideal for those who are not already members or do not wish to join.
- Regional Variability: Coverage and benefits can vary based on location, which might affect the consistency of service for Kia Sorento owners across different regions.
#9 – Progressive: Best for Innovative Program
Pros
- Innovative Programs: Progressive’s Snapshot program rewards safe driving with discounts, making it one of the best options for Kia Sorento drivers looking to save based on their driving habits. This program is particularly beneficial for Kia Sorento enthusiasts who prioritize safety.
- Affordable Pricing: Known for budget-friendly rates, Progressive provides some of the best Kia Sorento car insurance options. Their pricing model helps keep premiums low for Kia Sorento owners without compromising coverage quality. More information is available about this provider in our “Progressive car insurance review.”
- Flexible Coverage Plans: Progressive offers a variety of customizable insurance plans, catering to the specific needs of Kia Sorento drivers. This flexibility ensures that Kia Sorento owners can tailor their coverage to fit their unique requirements.
Cons
- Discounts May Vary: Discount opportunities can differ based on driving behavior and location, which might lead to inconsistent savings for Kia Sorento drivers across various regions.
- Mixed Customer Service Feedback: While Progressive offers innovative features, customer service experiences can vary, affecting how Kia Sorento enthusiasts perceive their overall insurance experience.
#10 – Nationwide: Best for Usage Discount
Pros
- Usage-Based Discounts: Nationwide’s usage-based insurance program offers discounts based on driving behavior, making it a great option for Kia Sorento drivers who practice safe driving. This program can lead to significant savings for Kia Sorento owners.
- Comprehensive Coverage Options: Nationwide provides a range of coverage options including accident forgiveness and new car replacement, ensuring that Kia Sorento owners receive extensive protection. Explore more discount options in our guide titled “Nationwide Car Insurance Discounts.”
- Effective Digital Tools: The user-friendly app and online tools provided by Nationwide help Kia Sorento enthusiasts manage their policies and track claims efficiently, enhancing the overall customer experience.
Cons
- Higher Premiums for Some: Depending on driving history and coverage levels, premiums can be higher with Nationwide, potentially impacting cost savings for some Kia Sorento owners.
- Limited Discount Options: Compared to other providers, Nationwide may offer fewer discount opportunities, which might affect the overall affordability of the best Kia Sorento car insurance for some drivers.
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Ways to Save on Kia Sorento Insurance
To reduce the cost of insuring your Kia Sorento, consider several strategies. Carefully select who drives your vehicle, as minimizing risk can lead to lower premiums; older drivers might benefit from taking a refresher course to further reduce costs.
You might also explore usage-based insurance specifically tailored to your Kia Sorento, which could offer savings based on driving habits. If you have a student living away from home, ask about potential discounts.
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
AAA | $97 | $278 |
Allstate | $43 | $150 |
Erie | $79 | $255 |
Farmers | $73 | $224 |
Geico | $77 | $229 |
Liberty Mutual | $68 | $203 |
Nationwide | $64 | $197 |
Progressive | $81 | $252 |
State Farm | $58 | $161 |
USAA | $66 | $206 |
Lastly, it’s important to factor in insurance costs when purchasing a Kia Sorento to ensure you’re making a financially sound decision.
Compare Free Kia Sorento Insurance Quotes Online
Car insurance rates can range from outrageously priced to insanely good deals. There is no question that insurance is essential to getting your new car on the road and running well. With so many vehicles on the roads today, insurance is a no-brainer (Learn More: Average Car Insurance Rates by Age and Gender).
You’ve just spent a great deal of money buying your dream car; it only makes sense to make sure that it’s insured to the fullest in case an accident happens. An essential element to finding the right car insurance for your new Sorento is shopping around and comparing insurance rates.
Insurance companies determine rates and offer discounts based on a variety of factors. These include your age, marital status, driving history, educational background, and the type of car you drive.
Each of these variables plays a role in how insurers assess risk and calculate premiums, particularly for teen driver car insurance, allowing them to tailor coverage to individual needs. It’s important to ensure that you’re getting the best deal possible when looking for car insurance.
To find out Kia Sorento insurance cost, enter your ZIP code in the free tool below and start saving today.
The Kia Sorento’s Safety Features Decrease Auto Insurance Costs
There are many things about your new Kia Sorento that can assist in lowering your insurance rates. Many of the redesigned features that Kia has installed in the Sorento are designed with safety and efficiency in mind.
Insurance providers are going to look closely at all of these factors, so it’s best that you know the features of your Sorento that are going to help you and the ones (if any) that are going to hurt you.
Keeping track of certain features in your Kia Sorento can help you save on insurance rates. The Sorento is equipped with various safety and stability features designed to lower your car insurance premiums.
Read More: Safety Features Car Insurance Discount
Key features include electronic stability control (ESC), which helps maintain stability in challenging weather conditions, and four-wheel Anti-Lock Brakes. The vehicle also boasts side impact door beams, providing added protection for passengers during a crash.
The tire pressure monitoring system (TPMS) alerts you when tire pressure is low, enhancing safety. Additionally, the Sorento is equipped with an advanced airbag system, including side curtain airbags for the first and second rows, and front active headrests that reduce the risk of whiplash during a collision.
For families, the child seat latch system and rear child safety door locks offer added security. The vehicle’s hill assist control prevents rollback on inclines, while the brake assist system ensures effective emergency stopping.
These features not only contribute to the safety of the Sorento but also make it more likely to secure lower insurance rates.
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Optional Kia Sorento Safety Features
When purchasing a Kia Sorento, consider adding safety features that can help lower your auto insurance rate by enhancing your driving security. If you’re in the market for insurance, it’s important to compare all available options to find the best rates.
When you compare different options, you can discover features that not only boost safety but also cheaper insurance costs. These features might include fog lights, wheel locks, and a rearview backup camera, which provides clear visibility.
Additionally, an auto-dimming rear-view mirror can reduce glare and improve driving comfort. An electric windshield de-icer can help maintain visibility in cold weather by quickly clearing frost and ice.
Moreover, a backup warning system can be a valuable addition, as it alerts others when your vehicle is reversing, further enhancing safety and potentially lowering insurance premiums.
Read more: Backup Camera Car Insurance Discounts
Find Affordable Kia Sorento Insurance Quotes Now
State Farm, Erie, and USAA have the best Kia Sorento car insurance, though you should always compare car insurance rates by state to ensure you get the best deal in your area. Auto insurance companies also look at driving records and the age of the main driver when considering the rate of insurance.
Auto insurance rates vary, so compare options to find the best coverage for you.
Daniel Walker Licensed Insurance Agent
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Frequently Asked Questions
What are the average annual and monthly insurance rates for a Kia Sorento?
The average annual insurance rate for a Kia Sorento is approximately $1,414, which breaks down to about $118 per month. These rates can vary based on factors like location, driving history, and coverage levels.
What factors can impact the cost of Kia Sorento car insurance?
Factors influencing the cost of Kia Sorento insurance include the driver’s age, driving record, location, and credit score. Vehicle-specific elements such as safety features and repair costs also play a significant role. Enter your ZIP code to get started.
Learn More: Factors That Affect Car Insurance Rates
How can Kia Sorento drivers reduce their insurance premiums?
Kia Sorento drivers can reduce premiums by taking advantage of discounts for safe driving, multi-vehicle policies, and bundling with other types of insurance. Additionally, maintaining a clean driving record and utilizing usage-based insurance programs can further lower costs.
What are some of the key safety features of the Kia Sorento that can help lower insurance rates?
Key safety features of the Kia Sorento include electronic stability control, anti-lock brakes, and an advanced airbag system. These features enhance vehicle safety and often result in reduced insurance premiums due to lower risk profiles.
Which insurance providers offer the best coverage options for Kia Sorento drivers?
Top providers for Kia Sorento insurance coverage include State Farm, USAA, and Erie, known for their comprehensive policies and excellent customer service. These companies provide a range of options tailored to the needs of Kia Sorento owners. Enter your ZIP code to start comparing your quote.
How do discounts for multi-vehicle policies affect insurance rates for Kia Sorento owners?
Multi-vehicle policy discounts can significantly reduce insurance rates for Kia Sorento owners by allowing them to bundle multiple policies for more than one vehicle. This often results in lower premiums per vehicle and added savings.
Bundle Coverage to Save: Multiple Policy Car Insurance Discount
What are the benefits of using a usage-based insurance program for Kia Sorento drivers?
Usage-based insurance programs reward safe driving behavior with discounts, which can lower insurance costs for Kia Sorento drivers. These programs track driving habits and adjust rates based on actual usage and risk.
How does the A.M. Best rating of an insurance provider affect its reliability and service quality?
Usage-based insurance programs reward safe driving behavior with discounts, which can lower insurance costs for Kia Sorento drivers. These programs track driving habits and adjust rates based on actual usage and risk. Enter your ZIP code to get started.
What optional safety features for the Kia Sorento can help further decrease insurance costs?
Optional safety features like fog lights, a rearview backup camera, and an auto-dimming rearview mirror can enhance visibility and overall safety. These features can contribute to lower insurance premiums by reducing potential risks.
What should Kia Sorento buyers consider about insurance costs before purchasing the vehicle?
Buyers should evaluate potential insurance costs as part of their vehicle purchase decision, considering how the Sorento’s safety features and repair costs affect premiums. Comparing insurance rates from different providers can help ensure that the total cost of ownership fits within their budget.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.