Kia Sedona Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 24, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average auto insurance rates for a Kia Sedona are $896 annually for full coverage. Comprehensive insurance costs an estimated $162 each year, collision costs $196, and liability coverage is estimated at $402. A policy with just liability insurance costs approximately $446 a year, with coverage for high-risk drivers costing $1,922 or more. Teenage drivers receive the highest rates at $3,550 a year or more.

Average premium for full coverage: $896

Rate estimates broken down by individual coverage type:

Comprehensive $162
Collision $196
Liability $402

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and Sedona models.

Price Range by Coverage and Risk

For a driver around age 40, prices range go from as cheap as $446 for minimum levels of liability insurance to a high rate of $1,922 for a driver who requires high-risk insurance.

Liability Only $446
Full Coverage $896
High Risk $1,922

Price Range by Location

Living in a larger city has a large influence on insurance rates. More rural locations tend to have fewer accident claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $672
Small Cities $941
Large Cities $1,210

These examples show why all drivers should get quotes for a targeted area and their own personal driving habits, rather than using average rates.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Details

The chart below shows estimated Kia Sedona insurance rates for other coverage scenarios.

  • The best discount rate is $543
  • Choosing higher $1,000 deductibles can save approximately $80 a year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $896
  • Using low deductibles for comp and collision coverage costs an additional $154 each year
  • Drivers who are prone to accidents and violations could pay up to $1,922 or more
  • The cost with full coverage for a teenage driver can cost as much as $3,550 each year

View Chart as Image

Kia Sedona insurance cost comparison chart
Column chart showing full coverage Kia Sedona insurance prices range from $543 to $3,550

Insurance rates for a Kia Sedona can also vary considerably based on the trim level of your Sedona, your driver profile, and liability limits and deductibles.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $900 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay at least $3,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,100 to $1,500 additional per year, depending on your age. Insurance for high-risk drivers ranges around 42% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $240 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Kia Sedona insurance rates. A good driver about age 40 could pay as low as $590 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,280 on average in New York, Louisiana, and Michigan.

Kia Sedona Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $810 -$86 -9.6%
Alaska $686 -$210 -23.4%
Arizona $744 -$152 -17.0%
Arkansas $896 -$0 0.0%
California $1,022 $126 14.1%
Colorado $854 -$42 -4.7%
Connecticut $920 $24 2.7%
Delaware $1,012 $116 12.9%
Florida $1,118 $222 24.8%
Georgia $830 -$66 -7.4%
Hawaii $644 -$252 -28.1%
Idaho $608 -$288 -32.1%
Illinois $666 -$230 -25.7%
Indiana $676 -$220 -24.6%
Iowa $604 -$292 -32.6%
Kansas $850 -$46 -5.1%
Kentucky $1,222 $326 36.4%
Louisiana $1,326 $430 48.0%
Maine $554 -$342 -38.2%
Maryland $740 -$156 -17.4%
Massachusetts $716 -$180 -20.1%
Michigan $1,556 $660 73.7%
Minnesota $750 -$146 -16.3%
Mississippi $1,074 $178 19.9%
Missouri $794 -$102 -11.4%
Montana $962 $66 7.4%
Nebraska $704 -$192 -21.4%
Nevada $1,074 $178 19.9%
New Hampshire $646 -$250 -27.9%
New Jersey $1,004 $108 12.1%
New Mexico $792 -$104 -11.6%
New York $942 $46 5.1%
North Carolina $518 -$378 -42.2%
North Dakota $734 -$162 -18.1%
Ohio $618 -$278 -31.0%
Oklahoma $918 $22 2.5%
Oregon $820 -$76 -8.5%
Pennsylvania $854 -$42 -4.7%
Rhode Island $1,194 $298 33.3%
South Carolina $812 -$84 -9.4%
South Dakota $756 -$140 -15.6%
Tennessee $784 -$112 -12.5%
Texas $1,080 $184 20.5%
Utah $664 -$232 -25.9%
Vermont $610 -$286 -31.9%
Virginia $538 -$358 -40.0%
Washington $692 -$204 -22.8%
West Virginia $820 -$76 -8.5%
Wisconsin $618 -$278 -31.0%
Wyoming $796 -$100 -11.2%

View Chart as Image

Kia Sedona insurance rates by U.S. city

With so much variability in rates, the only way to know which company is cheapest is to do a rate comparison and see how they stack up. Each auto insurer uses a different method to calculate rates, and rates can be significantly different between companies.

Insurance Rates by Trim Level and Model Year

Kia Sedona Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Kia Sedona $878 $73
Kia Sedona LX $896 $75
Kia Sedona EX $936 $78

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.

Kia Sedona Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2021 Kia Sedona $262 $418 $364 $1,180
2020 Kia Sedona $248 $404 $376 $1,164
2019 Kia Sedona $238 $374 $384 $1,132
2018 Kia Sedona $230 $352 $388 $1,106
2017 Kia Sedona $220 $316 $390 $1,062
2016 Kia Sedona $206 $292 $390 $1,024
2015 Kia Sedona $198 $272 $394 $1,000
2014 Kia Sedona $194 $254 $402 $986
2012 Kia Sedona $174 $214 $406 $930
2011 Kia Sedona $162 $196 $402 $896
2010 Kia Sedona $152 $178 $402 $868
2008 Kia Sedona $146 $156 $390 $828
2007 Kia Sedona $144 $150 $384 $814
2006 Kia Sedona $132 $142 $380 $790
2005 Kia Sedona $126 $134 $376 $772

Rates are averaged for all Kia Sedona models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy Cheap Kia Sedona Insurance

Saving money on auto insurance takes being a good driver, having good credit, eliminating unneeded coverage, and maximizing policy discounts. Set aside time to compare rates at every other renewal by getting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The following list is a brief summary of the concepts that were covered above.

  • Drivers that tend to have accidents or serious violations may pay on average $1,030 more annually than a safer driver
  • Drivers age 16 to 20 are expensive to insure, costing as high as $296 per month if they have full coverage
  • Drivers can save approximately $100 per year simply by quoting online in advance
  • Increasing deductibles could save up to $225 each year
  • Drivers can save approximately $100 per year simply by quoting online in advance

Rates by Driver Age

Kia Sedona Insurance Rates by Driver Age
Driver Age Premium
16 $3,550
20 $2,034
30 $914
40 $896
50 $824
60 $806

Full coverage, $500 deductibles

Rates by Deductible

Kia Sedona Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,050
$250 $982
$500 $896
$1,000 $816

Full coverage, driver age 40

Rates by Liability Limit

Kia Sedona Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $896
50/100 $1,016
100/300 $1,117
250/500 $1,378
100 CSL $1,057
300 CSL $1,278
500 CSL $1,439

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Sedona Insurance Rates for High Risk Drivers
Age Premium
16 $5,008
20 $3,238
30 $1,938
40 $1,922
50 $1,832
60 $1,814

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $118

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $46
Multi-vehicle $48
Homeowner $16
5-yr Accident Free $54
5-yr Claim Free $56
Paid in Full/EFT $33
Advance Quote $39
Online Quote $61
Total Discounts $353
Rate after discounts $543

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles