Tesla Model Y vs Kia Sorento Insurance Cost

The Tesla Model Y is cheaper to insure by about $75 a year for full coverage by our estimate ($1,505 vs. $1,580), 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	Tesla Model Y	Kia Sorento	Difference
State minimum	$530	$595	−$65
Standard (100/300/100)	$770	$865	−$95
Full coverage	$1,505	$1,580	−$75

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

Why one costs more to insure

Factor	Tesla Model Y	Kia Sorento
Segment	Midsize SUV	Midsize SUV
Powertrains	Electric	Gasoline, Hybrid, Plug-in hybrid
HLDI collision (100 = avg)	118	104
HLDI comprehensive	77	100
HLDI property damage liability	82	93
HLDI bodily injury liability	83	108
NHTSA overall rating	5★	5★
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	10	5

Collision losses are the biggest swing factor: the Tesla Model Y has 14 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Tesla Model Y.

Model Y vs Sorento insurance by state

State	Model Y	Sorento	Difference
Alabama	$1,325	$1,380	−$55
Alaska	$1,335	$1,385	−$50
Arizona	$1,560	$1,655	−$95
Arkansas	$1,345	$1,405	−$60
California	$1,520	$1,550	−$30
Colorado	$1,675	$1,805	−$130
Connecticut	$1,590	$1,670	−$80
Delaware	$1,645	$1,750	−$105
District of Columbia	$1,920	$1,995	−$75
Florida	$2,085	$2,235	−$150
Georgia	$1,830	$1,945	−$115
Hawaii	$1,065	$1,090	−$25
Idaho	$1,025	$1,075	−$50
Illinois	$1,315	$1,375	−$60
Indiana	$1,075	$1,125	−$50
Iowa	$1,020	$1,085	−$65
Kansas	$1,195	$1,275	−$80
Kentucky	$1,255	$1,330	−$75
Louisiana	$2,060	$2,185	−$125
Maine	$970	$1,010	−$40
Maryland	$1,685	$1,770	−$85
Massachusetts	$1,495	$1,555	−$60
Michigan	$1,655	$1,725	−$70
Minnesota	$1,245	$1,330	−$85
Mississippi	$1,435	$1,520	−$85
Missouri	$1,355	$1,440	−$85
Montana	$1,190	$1,275	−$85
Nebraska	$1,200	$1,280	−$80
Nevada	$1,690	$1,795	−$105
New Hampshire	$1,090	$1,130	−$40
New Jersey	$1,790	$1,890	−$100
New Mexico	$1,350	$1,420	−$70
New York	$1,990	$2,105	−$115
North Carolina	$1,150	$1,190	−$40
North Dakota	$970	$1,030	−$60
Ohio	$1,085	$1,135	−$50
Oklahoma	$1,355	$1,435	−$80
Oregon	$1,330	$1,410	−$80
Pennsylvania	$1,330	$1,385	−$55
Rhode Island	$1,810	$1,900	−$90
South Carolina	$1,570	$1,680	−$110
South Dakota	$1,135	$1,230	−$95
Tennessee	$1,265	$1,320	−$55
Texas	$1,775	$1,880	−$105
Utah	$1,350	$1,425	−$75
Vermont	$1,005	$1,035	−$30
Virginia	$1,295	$1,360	−$65
Washington	$1,300	$1,370	−$70
West Virginia	$1,260	$1,330	−$70
Wisconsin	$1,025	$1,085	−$60
Wyoming	$1,165	$1,255	−$90

By driver profile (full coverage)

Driver	Model Y	Sorento
Teen driver (18, own policy)	$4,135	$4,345
Young adult (22)	$2,405	$2,530
Adult in their 30s	$1,505	$1,580
Adult in their 50s	$1,385	$1,455
Senior (72)	$1,685	$1,770
30s, one at-fault accident	$2,180	$2,290
30s, DUI on record	$2,780	$2,925

More comparisons

Frequently asked questions

Is the Tesla Model Y or the Kia Sorento cheaper to insure?

By our estimate the Tesla Model Y is cheaper, by about $75 a year for full coverage ($1,505 vs. $1,580) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Tesla Model Y and Kia Sorento?

Mostly because of insurance-loss history: HLDI collision indices of 118 vs. 104 and comprehensive indices of 77 vs. 100 (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