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Kia Sorento Car Insurance Quotes (2025)

Kia Sorento insurance premiums average $176 per month for full coverage and $94 for liability-only policies.

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Since its rebrand in 2021, Kia has continued to experience record-breaking sales. Recently ranked as the top midsize SUV in the Cars.com “2025 Best Value New Cars,” the Kia Sorento is a popular choice for drivers looking for an affordable SUV.1

With a manufacturer’s suggested retail price (MSRP) of $31,990 for the base model, the 2025 Kia Sorento ranks among the most affordable midsize SUVs on the market.2

Relatively inexpensive to insure, the Kia Sorento averages $176 per month for full coverage. That’s about 10% less than the average car insurance rate of $195 for all vehicles.

Quick Facts

  • On average, 2025 Kia Sorento drivers pay $2,580 annually for full coverage.

  • Some older Kia models are vulnerable to theft, prompting some insurers to refuse coverage.

  • USAA, State Farm, and Allstate typically have the lowest average Kia Sorento insurance rates.

Cost of Kia Sorento insurance by model year

While insurance premiums are based on your ZIP code, age and gender, driving history, credit history (in some states), and type of coverage, Kia Sorento owners pay an average of $176 per month for full coverage and $94 for liability-only coverage.

Newer vehicles are typically more expensive to insure than older cars because of their higher values. Premiums for newer Kia Sorento models (2023 and later) are comparable to, or slightly lower than, the average monthly premiums for model years 2020 to 2022.

Because Kia Sorentos manufactured between 2011 and 2022 are more susceptible to theft, they’re sometimes more expensive to insure.3

Insurance prices vary by company, but USAA, GEICO, and State Farm offer the cheapest coverage on average for the Kia Sorento. The table below shows average monthly full-coverage and liability-only rates for 10 model years.

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

  • The 2025 Kia Sorento’s base MSRP is $31,990, according to Kia’s website.4 On average, drivers pay $215 per month for full-coverage policies and $114 per month for liability-only coverage.

    The table below highlights the average monthly price from several of the best insurance companies for insuring a 2025 Kia Sorento.

    Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

  • The 2024 Kia Sorento’s starting MSRP was significantly higher than previous years’ models, at $33,365.

    A full-coverage policy for a 2024 Sorento averages $222 per month, and liability-only coverage averages $118, but USAA and State Farm tend to have much lower average rates. The following table shows average monthly insurance rates for both full-coverage and liability-only policies from several companies.

    Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

  • When it was released, the 2023 Kia Sorento had a starting MSRP of $31,765.

    On average, 2023 Kia Sorento drivers pay $208 per month for full coverage and $111 for liability only. The table below highlights average rates from several of the cheapest insurance companies.

    Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

  • The 2022 Kia Sorento base model’s MSRP was $30,885. As the last model year without an engine immobilizer, the 2022 model was susceptible to theft, making these cars easy to steal. Insuring a 2022 Kia Sorento averages $206 per month for full coverage and $109 for liability only.

    You can see the average monthly rates from several insurers in the table below.

    Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

  • When the 2021 Kia Sorento was introduced, the base model’s MSRP was $30,565. Full-coverage insurance for this model averages $214 per month, and liability-only coverage costs an average of $114.

    The following table highlights average monthly rates from several insurers for full coverage and liability-only coverage.

    Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

  • The 2020 base model Kia Sorento had an MSRP of $28,110. On average, 2020 Kia Sorento drivers pay $214 per month for full coverage and $114 for liability-only coverage.

    The table below shows the average monthly rates from several of the cheapest insurers.

    Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

  • The base 2019 Kia Sorento’s MSRP was $27,335. Insuring a 2019 Sorento costs an average of $195 per month for full coverage and $104 for liability only.

    The following table highlights average monthly insurance rates for 2019 Kia Sorento insurance.

    Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

  • The base model MSRP of the 2018 Kia Sorento was $26,890. On average, full-coverage policies cost $180 per month, and liability-only coverage averages $96.

    Insurance pricing from several of the cheapest insurers appears in the table below.

    Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

  • The base model 2017 Kia Sorento’s MSRP was $26,495. Insuring the 2017 Sorento costs an average of $188 per month for full coverage and $100 for a liability-only policy.

    The table below highlights the pricing from several of the cheapest insurers.

    Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

  • The 2016 Kia Sorento’s base-model MSRP was $25,995. Full-coverage policies average $171 per month, and liability-only coverage costs an average of $91.

    Pricing from the cheapest insurers for this Sorento model year appears in the table below.

    Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Average cost of Kia insurance by state

Car insurance rates vary significantly by location, with Kia owners in New York paying the highest average insurance rates, at $479 per month. This is unsurprising, considering New York’s high cost of living and high vehicle theft rate.5 6

Alaska and Hawaii are not included due to lack of data.

How to ensure you have enough coverage on your Kia Sorento

With its 10-year/100,000-mile warranty, Kia is considered a reputable car brand.7 No matter how reliable your Sorento is, though, accidents can happen, so it’s important to make sure you have the right coverage:

Kia Sorento car insurance FAQs

Whether you already own a Kia Sorento or are thinking about buying the latest model, the following information can help as you shop for car insurance.

  • USAA has the cheapest Kia Sorento insurance on average for full-coverage policies, followed by State Farm and Allstate.

  • No. In general, the Kia Sorento is less expensive to insure than similar cars, with the average full-coverage premium slightly cheaper than for comparable makes and models.

  • Insuring a Kia Sorento with a full-coverage policy costs an average of $176 per month. A policy with liability-only coverage averages $94 per month.

  • Kias manufactured between 2011 and 2022 lacked engine immobilizers, making it easier for thieves to start them without a key fob.9 Although Kia has addressed this issue by offering car owners a security software upgrade or physical theft deterrent, some companies may choose not to insure Kias produced during these years.

Kat Tretina
Kat Tretina

Kat Tretina is a personal finance writer specializing in debt repayment and insurance.

Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.

For the past seven years, she’s been freelancing for major financial publications, focusing her work on helping people understand their financial options. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.

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