Best Kia Sorento Car Insurance in 2024 (Compare the Top 10 Companies)

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.

Our Top 10 Company Picks: Best Kia Sorento Car Insurance

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.

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#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.

#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.

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#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.

#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.

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#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.

#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.

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#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.

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.

Kia Sorento Car Insurance Monthly Rates by Coverage Level & Provider

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.

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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.

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.

Start comparing Kia Sorento auto insurance quotes for by using our free online comparison tool.

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