Kia Sorento vs Rivian R2 Insurance Cost

The Kia Sorento is cheaper to insure by about $25 a year for full coverage by our estimate ($1,580 vs. $1,605), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Kia Sorento	Rivian R2	Difference
State minimum	$595	$585	+$10
Standard (100/300/100)	$865	$845	+$20
Full coverage	$1,580	$1,605	−$25

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Sorento minus R2.

Why one costs more to insure

Factor	Kia Sorento	Rivian R2
Segment	Midsize SUV	Midsize SUV
Powertrains	Gasoline, Hybrid, Plug-in hybrid	Electric
HLDI collision (100 = avg)	104	—
HLDI comprehensive	100	—
HLDI property damage liability	93	—
HLDI bodily injury liability	108	—
NHTSA overall rating	5★	—
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	5	1

Sorento vs R2 insurance by state

State	Sorento	R2	Difference
Alabama	$1,380	$1,405	−$25
Alaska	$1,385	$1,410	−$25
Arizona	$1,655	$1,675	−$20
Arkansas	$1,405	$1,430	−$25
California	$1,550	$1,590	−$40
Colorado	$1,805	$1,820	−$15
Connecticut	$1,670	$1,690	−$20
Delaware	$1,750	$1,760	−$10
District of Columbia	$1,995	$2,030	−$35
Florida	$2,235	$2,240	−$5
Georgia	$1,945	$1,955	−$10
Hawaii	$1,090	$1,115	−$25
Idaho	$1,075	$1,090	−$15
Illinois	$1,375	$1,395	−$20
Indiana	$1,125	$1,145	−$20
Iowa	$1,085	$1,105	−$20
Kansas	$1,275	$1,295	−$20
Kentucky	$1,330	$1,345	−$15
Louisiana	$2,185	$2,210	−$25
Maine	$1,010	$1,030	−$20
Maryland	$1,770	$1,790	−$20
Massachusetts	$1,555	$1,580	−$25
Michigan	$1,725	$1,755	−$30
Minnesota	$1,330	$1,345	−$15
Mississippi	$1,520	$1,540	−$20
Missouri	$1,440	$1,460	−$20
Montana	$1,275	$1,295	−$20
Nebraska	$1,280	$1,295	−$15
Nevada	$1,795	$1,805	−$10
New Hampshire	$1,130	$1,150	−$20
New Jersey	$1,890	$1,905	−$15
New Mexico	$1,420	$1,445	−$25
New York	$2,105	$2,125	−$20
North Carolina	$1,190	$1,215	−$25
North Dakota	$1,030	$1,050	−$20
Ohio	$1,135	$1,150	−$15
Oklahoma	$1,435	$1,455	−$20
Oregon	$1,410	$1,420	−$10
Pennsylvania	$1,385	$1,415	−$30
Rhode Island	$1,900	$1,920	−$20
South Carolina	$1,680	$1,695	−$15
South Dakota	$1,230	$1,250	−$20
Tennessee	$1,320	$1,345	−$25
Texas	$1,880	$1,905	−$25
Utah	$1,425	$1,440	−$15
Vermont	$1,035	$1,060	−$25
Virginia	$1,360	$1,380	−$20
Washington	$1,370	$1,385	−$15
West Virginia	$1,330	$1,350	−$20
Wisconsin	$1,085	$1,105	−$20
Wyoming	$1,255	$1,275	−$20

By driver profile (full coverage)

Driver	Sorento	R2
Teen driver (18, own policy)	$4,345	$4,405
Young adult (22)	$2,530	$2,565
Adult in their 30s	$1,580	$1,605
Adult in their 50s	$1,455	$1,475
Senior (72)	$1,770	$1,795
30s, one at-fault accident	$2,290	$2,325
30s, DUI on record	$2,925	$2,965

More comparisons

Frequently asked questions

Is the Kia Sorento or the Rivian R2 cheaper to insure?

By our estimate the Kia Sorento is cheaper, by about $25 a year for full coverage ($1,580 vs. $1,605) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Kia Sorento and Rivian R2?

Mostly because of insurance-loss history: HLDI collision indices of 104 vs. n/a and comprehensive indices of 100 vs. n/a (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page