How much is insurance on a Kia Sorento?

A 2024 Kia Sorento runs about $1,860 a year for a typical 45-year-old, $80 less than an average car of the same age, because of less damage to others' property and fewer injury claims. Putting a new 16-year-old on a family policy with the Sorento adds about $1,230 a year (#20 of 25 midsize SUVs we compare).

2024 Kia Sorento (Sorento AWD), national average

about $1,860 a year (about $155 a month)

Estimated range: $1,350–$2,500. Actual quotes can fall outside it.

An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 Sorento drops to about $1,490 (see the table below).

A Kia Sorento from the 2021–present generation. Photo: Deathpallie325, CC BY-SA 4.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 Sorento AWD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Sorento's rank is the same in every state.

Why the Kia Sorento costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Kia Sorento 4dr 4WD, on HLDI's scale where 100 is an average car and lower is better, it reports 95 for crash repairs, 90 for non-crash damage, 88 for damage to others' property, and 88 for injury claims.

Crash repairs (collision)fixing this car after a crashAverage5% better than average17th best of the 25 midsize SUVs we compare
Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage10% better than average14th best of the 24 midsize SUVs we compare
Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage12% better than average15th best of the 25 midsize SUVs we compare
Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costAveragefiled 12% less often than average12th best of the 21 midsize SUVs we compare

HLDI's ratings, best to worst:Substantially better than averageBetter than averageAverageWorse than averageSubstantially worse than averageInsufficient data

HLDI rates results within about 20% of average as “Average.”

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Sorento comes out about 6% better than average. We count about a third of that difference, so the part of the bill that fixes the car is about 2% less than average: about $930 a year vs $950. On the liability side, damage to others and injury claims combine to about 12% better than average. We count about half, so that part is about 6% less: $930 a year vs $990.

How the math works

In EPA size classes, the Sorento is a small SUV (gas-powered). In Highway Loss Data Institute loss tables, the Kia Sorento is benchmarked against midsize SUVs.

Matched to HLDI series “Kia Sorento 4dr 4WD” (HLDI, 2022–24 models).

A used Kia Sorento, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.
Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Sorento AWD (0–3 years old)	about $1,860	about $930	+$1,230	about $5,340
2022 Sorento AWD (4–7 years old)	about $1,750	about $930	+$1,160	about $5,020
2018 Sorento AWD (8–12 years old)	about $1,740	about $1,040	+$1,150	about $4,980
2013 Sorento 2WD (13 or more years old)	about $1,490	about $940	+$980	about $4,260

Our catalog covers the Kia Sorento across model years 2006–2009, 2011–2027. Full coverage on a used 2013 Sorento (13 or more years old) runs about $1,490 a year, $380 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $940 a year. Each photo shows that year's generation of the car. Photo credits.

Across 2024 Kia Sorento trims, full coverage goes from about $1,770 a year on the Sorento Plug-in Hybrid to about $1,980 on the Sorento Hybrid FWD, because HLDI's loss results differ by body, drive, or powertrain.

Sorento Plug-in Hybrid: about $1,770
Sorento AWD: about $1,860
Sorento Hybrid AWD: about $1,870
Sorento FWD: about $1,960
Sorento Hybrid FWD: about $1,980

On a policy of their own with a 2024 Kia Sorento, a 22–25-year-old pays about $2,420 a year ($560 more than a 45-year-old), a 26–39-year-old about $2,070, and a driver 65 and older about $1,960.

Adding a 16-year-old with a Kia Sorento

Adding a new 16-year-old who drives the Kia Sorento raises the family bill by about $1,230 a year ($105 a month), $50 less than adding a teen with an average car of the same age. A separate policy for the 16-year-old runs about $5,340 a year, so keeping them on the family policy saves about $4,120 a year.

For adding a teen driver, the Kia Sorento ranks 48th cheapest out of all 121 models we track. Stepping down to a used 2013 Sorento (13 or more years old) brings the teen add-on to about $980 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar midsize SUVs

Among these 25 midsize SUVs, the Kia Sorento is the 6th most expensive to insure. Right next to it are the Hyundai Palisade (about $1,860 a year) and the Nissan Pathfinder (about $1,900).

Photos from Wikimedia Commons contributors. Photo credits.

What a Kia Sorento costs in your state

In six sample states, a 2024 Kia Sorento runs from about $1,240 a year in North Dakota through Montana, Alaska, Mississippi and Maryland to about $2,240 in Texas:

North Dakotaabout $1,240/yr · +$820 teen
Montanaabout $1,530/yr · +$1,010 teen
Alaskaabout $1,630/yr · +$1,080 teen
Mississippiabout $1,810/yr · +$1,190 teen
Marylandabout $2,070/yr · +$1,370 teen
Texasabout $2,240/yr · +$1,470 teen

All 50 states and DC · Updated November 5, 2026.

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