Kia Sorento Insurance Cost

Full coverage for a Kia Sorento costs about $1,580 a year ($132/month) by our estimate — ▼ −1% versus the average vehicle, ranking 131st cheapest of 310 current models.

Kia Sorento exterior (photo from Wikimedia Commons) — Photo: Kevauto, CC BY-SA 4.0

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

Kia Sorento insurance cost at a glance

Full coverage

$1,580

$132/mo · $1,295–$1,865

Minimum liability

$595

$50/mo

Segment

Midsize SUV

Gasoline, Hybrid, Plug-in hybrid

HLDI collision losses

104

Average (100 = avg)

NHTSA overall

★★★★★

2026 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2005–2027 model years of the Kia Sorento.

Estimated Kia Sorento premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$595	$50	$490–$705
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$865	$72	$710–$1,020
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,580	$132	$1,295–$1,865

What drives the cost of insuring a Kia Sorento

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Kia Sorento's results put our vehicle factor at 0.97× for liability, 1.03× for collision and 0.99× for comprehensive.

HLDI relative insurance losses — Kia Sorento 4dr (Midsize SUVs)
Coverage	Index	Rating	What it measures
Collision	104	Average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	100	Average	Theft, vandalism, glass, weather and animal damage
Property damage liability	93	Better than average	Damage this car does to other vehicles and property
Bodily injury liability	108	Worse than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	141	Much worse than average	Injuries to occupants of this car (claim frequency)
Medical payments	145	Much worse than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (5)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Kia Sorento 4dr	104	100	93	108
Kia Sorento 4dr 4WD	95	90	88	88
Kia Sorento hybrid 4dr 4WD	98	92	84	95
Kia Sorento hybrid 4dr	96	89	108	112
Kia Sorento plug-in hybrid 4dr 4WD	102	78	82	62

Repair and parts costs: Midsize SUV — mainstream parts availability keeps repairs moderate.
Safety: 5-star NHTSA overall rating (frontal 4★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 5 NHTSA recall campaigns and 132 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Kia Sorento trims and configurations (2027)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
Sorento AWD	AWD	2.5L 4-cyl	25
Sorento AWD	AWD	2.5L 4-cyl Turbo	23
Sorento FWD	FWD	2.5L 4-cyl	26
Sorento FWD	FWD	2.5L 4-cyl Turbo	23
Sorento Hybrid AWD	AWD	1.6L 4-cyl Turbo Hybrid	34
Sorento Hybrid FWD	FWD	1.6L 4-cyl Turbo Hybrid	37

Kia Sorento insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2027	1.6L 4-cyl Turbo Hybrid, 2.5L 4-cyl, 2.5L 4-cyl Turbo	AWD, FWD	23–37	$1,580
2026	1.6L 4-cyl Turbo Hybrid, 1.6L 4-cyl Turbo Plug-in Hybrid, 2.5L 4-cyl	AWD, FWD	23–37	$1,550
2025	1.6L 4-cyl Turbo Hybrid, 1.6L 4-cyl Turbo Plug-in Hybrid, 2.5L 4-cyl	AWD, FWD	23–36	$1,515
2024	1.6L 4-cyl Turbo Hybrid, 1.6L 4-cyl Turbo Plug-in Hybrid, 2.5L 4-cyl	AWD, FWD	23–37	$1,485
2023	1.6L 4-cyl Turbo Hybrid, 1.6L 4-cyl Turbo Plug-in Hybrid, 2.5L 4-cyl	AWD, FWD	24–37	$1,450
2022	1.6L 4-cyl Turbo Hybrid, 1.6L 4-cyl Turbo Plug-in Hybrid, 2.5L 4-cyl	AWD, FWD	24–37	$1,420
2021	1.6L 4-cyl Turbo Hybrid, 2.5L 4-cyl, 2.5L 4-cyl Turbo	AWD, FWD	24–37	$1,385
2020	2.4L 4-cyl, 3.3L 6-cyl	AWD, FWD	20–25	$1,355
2019	2.4L 4-cyl, 3.3L 6-cyl	AWD, FWD	21–25	$1,325
2018	2.0L 4-cyl Turbo, 2.4L 4-cyl, 3.3L 6-cyl	AWD, FWD	19–24	$1,290
2017	2.0L 4-cyl Turbo, 2.4L 4-cyl, 3.3L 6-cyl	AWD, FWD	19–24	$1,260
2016	2.0L 4-cyl Turbo, 2.4L 4-cyl, 3.3L 6-cyl	AWD, FWD	19–24	$1,225
2015	2.4L 4-cyl, 3.3L 6-cyl	AWD, FWD	20–23	$1,225
2014	2.4L 4-cyl, 3.3L 6-cyl	4WD, FWD	20–22	$1,225
2013	2.4L 4-cyl, 3.5L 6-cyl	4WD, FWD	20–24	$1,225
2012	2.4L 4-cyl, 3.5L 6-cyl	4WD, FWD	20–24	$1,225
2011	2.4L 4-cyl, 3.5L 6-cyl	4WD, FWD	20–24	$1,225
2009	3.3L 6-cyl, 3.8L 6-cyl	4WD/AWD, RWD	17–18	$1,225
2008	3.3L 6-cyl, 3.8L 6-cyl	4WD/AWD, RWD	17–18	$1,225
2007	3.3L 6-cyl, 3.8L 6-cyl	4WD/AWD, RWD	17–18	$1,225

Kia Sorento insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Sorento page for that state.

State	Full coverage	Minimum	vs. national	Sorento page
Alabama	$1,380	$465	−13%	Sorento in AL
Alaska	$1,385	$605	−12%	Sorento in AK
Arizona	$1,655	$640	+5%	Sorento in AZ
Arkansas	$1,405	$435	−11%	Sorento in AR
California	$1,550	$555	−2%	Sorento in CA
Colorado	$1,805	$635	+14%	Sorento in CO
Connecticut	$1,670	$690	+6%	Sorento in CT
Delaware	$1,750	$780	+11%	Sorento in DE
District of Columbia	$1,995	$720	+26%	Sorento in DC
Florida	$2,235	$1,050	+41%	Sorento in FL
Georgia	$1,945	$845	+23%	Sorento in GA
Hawaii	$1,090	$425	−31%	Sorento in HI
Idaho	$1,075	$390	−32%	Sorento in ID
Illinois	$1,375	$485	−13%	Sorento in IL
Indiana	$1,125	$395	−29%	Sorento in IN
Iowa	$1,085	$300	−31%	Sorento in IA
Kansas	$1,275	$390	−19%	Sorento in KS
Kentucky	$1,330	$510	−16%	Sorento in KY
Louisiana	$2,185	$770	+38%	Sorento in LA
Maine	$1,010	$415	−36%	Sorento in ME
Maryland	$1,770	$730	+12%	Sorento in MD
Massachusetts	$1,555	$575	−2%	Sorento in MA
Michigan	$1,725	$745	+9%	Sorento in MI
Minnesota	$1,330	$455	−16%	Sorento in MN
Mississippi	$1,520	$515	−4%	Sorento in MS
Missouri	$1,440	$495	−9%	Sorento in MO
Montana	$1,275	$380	−19%	Sorento in MT
Nebraska	$1,280	$390	−19%	Sorento in NE
Nevada	$1,795	$840	+14%	Sorento in NV
New Hampshire	$1,130	$390	−28%	Sorento in NH
New Jersey	$1,890	$910	+20%	Sorento in NJ
New Mexico	$1,420	$505	−10%	Sorento in NM
New York	$2,105	$905	+33%	Sorento in NY
North Carolina	$1,190	$435	−25%	Sorento in NC
North Dakota	$1,030	$270	−35%	Sorento in ND
Ohio	$1,135	$395	−28%	Sorento in OH
Oklahoma	$1,435	$460	−9%	Sorento in OK
Oregon	$1,410	$610	−11%	Sorento in OR
Pennsylvania	$1,385	$415	−12%	Sorento in PA
Rhode Island	$1,900	$795	+20%	Sorento in RI
South Carolina	$1,680	$710	+6%	Sorento in SC
South Dakota	$1,230	$305	−22%	Sorento in SD
Tennessee	$1,320	$440	−16%	Sorento in TN
Texas	$1,880	$670	+19%	Sorento in TX
Utah	$1,425	$635	−10%	Sorento in UT
Vermont	$1,035	$310	−34%	Sorento in VT
Virginia	$1,360	$610	−14%	Sorento in VA
Washington	$1,370	$575	−13%	Sorento in WA
West Virginia	$1,330	$425	−16%	Sorento in WV
Wisconsin	$1,085	$360	−31%	Sorento in WI
Wyoming	$1,255	$315	−21%	Sorento in WY

Kia Sorento insurance by driver profile

Estimated annual Kia Sorento premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,640	$2,380	$4,345	$362
Young adult (22)	$955	$1,385	$2,530	$211
Adult in their 30s	$595	$865	$1,580	$132
Adult in their 50s	$550	$795	$1,455	$121
Senior (72)	$670	$970	$1,770	$148
30s, one at-fault accident	$865	$1,255	$2,290	$191
30s, DUI on record	$1,105	$1,600	$2,925	$244

Kia Sorento vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Kia Sorento	$1,580	104	100	—
Tesla Model Y	$1,505	118	77	Compare
Jeep Grand Cherokee	$1,565	81	105	Compare
Rivian R2	$1,605	—	—	Compare

Estimate Kia Sorento insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Kia models

Carnival $1,470/yr
EV3 $1,545/yr
K4 $1,545/yr
K5 $2,005/yr
Niro $1,725/yr
Seltos $1,550/yr
Sportage $1,615/yr
Telluride $1,400/yr
EV6 $1,680/yr
EV9 $1,515/yr
Soul $1,595/yr
Forte $1,955/yr
Rio $1,455/yr
Stinger $1,445/yr
Sedona $1,255/yr
Cadenza $1,400/yr
K900 $1,400/yr
Optima $1,390/yr
Rondo $1,135/yr
Borrego $1,190/yr
Amanti $1,260/yr
Spectra $1,255/yr

All Kia insurance costs →

Frequently asked questions

How much is insurance for a Kia Sorento?

We estimate about $1,580 a year ($132 a month) for full coverage and $595 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 1% less than the average vehicle.

Is the Kia Sorento expensive to insure?

HLDI insurance-loss data rates it at 104 for collision and 100 for comprehensive losses (100 = average of all vehicles), meaning collision losses are average.

Which state is cheapest to insure a Kia Sorento?

Maine has the lowest estimate (about $1,010 a year for full coverage) and Florida the highest (about $2,235).

What is the Kia Sorento's NHTSA safety rating?

The 2026 Kia Sorento earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

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

By our estimate the Kia Sorento costs about $1,580 a year versus $1,505 for the Tesla Model Y, making the Tesla Model Y cheaper to insure.

How much is Kia Sorento insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,345 a year at national-average rates by our estimate.

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