Car insurance for Kia

How much does it cost to insure a Kia?

According to 2024 data from Quadrant Information Services, the average annual cost for full car insurance coverage is $2,458. However, your specific premium can vary based on factors like your claim history, location and the type of vehicle you drive. Different insurance companies may charge different rates for the same Kia models because they each have their own methods for assessing risk. While each company uses its own formula to determine rates, they generally take into account the following factors:

• Crash rate stats per make/model: Kia vehicles tend to be safe cars, which can help with insurance costs. Some Kia models, such as the Telluride, Sportage, and Sorento have been named Top Safety Picks by the Insurance Institute for Highway Safety (IIHS). Features like front crash prevention and LED projector headlights found in the Soul and Sportage help make Kias highly regarded for safety.
• Price of parts: If your Kia needs to be repaired, many parts are readily accessible and do not need to be shipped from overseas. Some Kia model parts may need to be shipped from South Korea. Cars that are cheaper to repair are generally more affordable to insure.
• Safety features: Many Kia models are equipped with forward-collision warnings, lane departure alerts, vehicle stability management systems and a seatbelt pretensioner. These features can help reduce the chance or severity of an accident, which can keep insurance costs lower.
• Theft rate: Both the Kia Rio and Sportage 4dr 4WD are on the IIHS's list of most frequently stolen cars. The Sorento, however, is not, which may indicate that its insurance rates will be lower. 
• Personal factors: Your own situation can impact the cost you pay for insurance. For example, insurers will take into account your credit history, your driving record and even, in many states, your age and gender. 

Car insurance for Kia Sorento LX

The cost of insuring a Kia can vary significantly based on several factors, including the model of the vehicle. Insurance costs will also change depending on your location, driving history and the insurance provider. For example, urban areas with higher traffic and theft rates typically see higher premiums compared to rural areas. Your personal driving record plays a crucial role. A clean record will generally result in lower rates, while accidents or traffic violations can increase your premiums. We analyzed data from Quadrant Information Services to determine the average rates for the Kia Sorento LX to give you a general idea of what Kia owners are paying for their coverage.

The Kia Sorento LX has a starting MSRP of $31,990, A planned 2025 model of the vehicle is also available as a hybrid retailing at $43,390. A plug-in hybrid model is available for $49,365.  The Kia Sorento LX comes equipped with a range of advanced safety features designed to protect both the driver and passengers, which can lower insurance premiums. Standard features include airbags, anti-lock brakes and stability control to enhance handling in various conditions. The Sorento LX also boasts modern driver assistance technologies such as forward collision warning, lane departure warning and a rearview camera, which help prevent accidents and improve overall driving safety.

Kia Sorento LX cost by state

Your location impacts the amount you pay for insurance, and every state has a different average. Even within your state, there may be differences in your rate even from one neighborhood to the next, depending on factors such as average theft rate and whether your car is garaged or not. Here are the average rates for the Kia Sorento LX by state:

Average car insurance cost for Kia by company

Kia insurance premiums are largely dependent on your insurance company. The providers in the table below offer some of the cheapest car insurance for popular Kia models. While these are the cheapest providers based on our sample rates, remember that premiums are different for every driver based on their specific circumstances and coverage needs. You can compare these average rates for the Sorento LX to give you a starting point when you look for insurance for your own Kia.

Average cost of car insurance for Kia Sorento LX by carrier

Kia features that impact insurance costs

Kias tend to be very safe and reliable vehicles, especially recent models. In the 2024 J.D. Power’s U.S. Vehicle Dependability Study, Kia ranked better than the industry average, and the Kia Sedona was the highest-ranked in the Minivan category. Here are some of the safety features that affect Kia insurance rates:

• Forward-collision warning system: Using mounted cameras, many Kia models can anticipate a crash before it happens using a forward-collision warning system. If the driver does not step on the brake, the car can automatically stop to avoid a crash or lessen the severity of a crash.
• Lane departure alerts: New Kias come with a lane departure alert system, which notifies the driver when they start to drift out of their lane.
• Airbags: All Kias are equipped with a full set of airbags, which include driver and passenger seat airbags, driver knee airbags, curtain airbags and front and rear side airbags, which help protect the driver and passengers in all areas of the car.
• LED projector headlights: Models and trim packages offering optional LED projector headlights may offer a lower insurance rate than other models. LED projector headlights offer superior visibility on curves and straightaways, allowing the driver to see further and clearer to avoid potential obstacles.

Other car insurance coverage for a Kia

You must carry at least a minimum amount of car insurance if you live in a state where car insurance is required. Beyond a minimum coverage policy, drivers may be required to purchase a full coverage policy, which includes collision and comprehensive insurance if the Kia is leased or financed. Here are a few other optional coverages that are common:

• Gap insurance: helps pay off your loan if your new car gets totaled. Even if the vehicle is owned outright, drivers may want to consider increased coverage to help financially protect them should an accident occur.
• Accident forgiveness: can be valuable if your car insurance provider offers it, which keeps your rate from increasing after an at-fault accident. 
• Roadside assistance: can help you get back on the road if you get a flat tire, run out of gas or lock yourself out of your vehicle.
• Uninsured and underinsured motorist: mandatory in some states, optional in others, this covers you if you are in an accident with a motorist who has no insurance or inadequate insurance, or if you are in a hit-and-run. 
• Rental reimbursement: will pay for a rental car if your own vehicle is being repaired after a covered loss.

Methodology

Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.