Kia Sorento vs Volkswagen Touareg Insurance Cost
The Volkswagen Touareg is cheaper to insure by about $355 a year for full coverage by our estimate ($1,580 vs. $1,225), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Kia Sorento | Volkswagen Touareg | Difference |
|---|---|---|---|
| State minimum | $595 | $585 | +$10 |
| Standard (100/300/100) | $865 | $845 | +$20 |
| Full coverage | $1,580 | $1,225 | +$355 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Sorento minus Touareg.
Why one costs more to insure
| Factor | Kia Sorento | Volkswagen Touareg |
|---|---|---|
| Segment | Midsize SUV | Midsize SUV |
| Powertrains | Gasoline, Hybrid, Plug-in hybrid | Gasoline, Hybrid, Diesel |
| 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 | 5 |
Sorento vs Touareg insurance by state
By driver profile (full coverage)
| Driver | Sorento | Touareg |
|---|---|---|
| Teen driver (18, own policy) | $4,345 | $3,370 |
| Young adult (22) | $2,530 | $1,960 |
| Adult in their 30s | $1,580 | $1,225 |
| Adult in their 50s | $1,455 | $1,125 |
| Senior (72) | $1,770 | $1,370 |
| 30s, one at-fault accident | $2,290 | $1,775 |
| 30s, DUI on record | $2,925 | $2,265 |
More comparisons
Frequently asked questions
Is the Kia Sorento or the Volkswagen Touareg cheaper to insure?
By our estimate the Volkswagen Touareg is cheaper, by about $355 a year for full coverage ($1,580 vs. $1,225) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Kia Sorento and Volkswagen Touareg?
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.