Kia Sedona Insurance Rates

The average insurance rates for a Kia Sedona are $896 a year for full coverage. Comprehensive costs approximately $162, collision costs $196, and liability is estimated at $402. Buying just liability costs approximately $446 a year, with insurance for high-risk drivers costing around $1,922. Teens cost the most to insure at $3,550 a year or more.

Average premium for full coverage: $896

Policy rates by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for different Sedona trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects auto insurance prices.

The examples above show why anyone shopping for car insurance should get quotes using their specific location and risk profile, instead of using averaged prices.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below shows estimated Kia Sedona insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $543
• Choosing higher $1,000 deductibles can save $80 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $896
• Selecting more expensive low deductibles for comp and collision coverage will increase the cost to $1,050
• Unlucky drivers with serious driving violations could pay around $1,922 or more
• Policy cost for full coverage for a teen driver with full coverage can cost $3,550 each year

View Chart as Image

Insurance rates for a Kia Sedona also range considerably based on your risk profile, the trim level of your Sedona, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay in the ballpark of $3,500 a year. View Rates by Age

Your home state plays a big part in determining prices for Kia Sedona insurance prices. A good driver about age 40 could pay as low as $590 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,280 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $240 every year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $362 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,100 to $1,500 extra every year, depending on your age. High-risk driver insurance ranges as much as 42% to 136% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates and see which company has the best rate. Each auto insurer calculates rates differently, so the rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2011 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Cheaper Kia Sedona Insurance

Finding cheaper rates on car insurance takes having a decent driving record, maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates every couple of years by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a condensed summary of the material that was presented in the illustrations above.

• Policyholders who purchase additional liability coverage will pay approximately $440 each year to raise limits from a 30/60 limit to 250/500 limits
• 16 to 18-year-old drivers are expensive to insure, costing up to $296 each month for full coverage
• Higher risk drivers with multiple at-fault accidents may pay on average $1,030 more per year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save around $225 each year