Kia Sedona Insurance Rates

The average insurance prices for a Kia Sedona are $896 every 12 months including full coverage. Comprehensive insurance costs around $162 a year, collision costs $196, and liability is estimated at $402. Buying just liability costs approximately $446 a year, with insurance for high-risk drivers costing $1,922 or more. Teens cost the most to insure at $3,550 a year or more.

Average premium for full coverage: $896

Policy rates for type of insurance:

Estimates include $500 deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Sedona trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how your location can change auto insurance rates.

The examples above highlight why it is important to get quotes for a specific zip code and their own driving history, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

The chart below breaks down estimated Kia Sedona insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $543
• Choosing higher $1,000 deductibles can save about $816 every year
• The average price for a good driver age 40 using $500 deductibles is $896
• Selecting low $100 deductibles for comp and collision coverage costs an extra $154 annually
• Higher-risk drivers with serious driving violations could pay at least $1,922 or more
• Policy cost to insure a 16-year-old driver can be $3,550 each year

View Chart as Image

Insurance rates for a Kia Sedona also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can save as much as $240 annually, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay as much as $3,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,100 to $1,500 extra every year, depending on your age. A high-risk auto insurance policy ranges from 42% to 136% more than the average policy. View High Risk Driver Rates

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 $690 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,280 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out your exact price is to get quotes from multiple companies. Each auto insurer calculates rates differently, so the rates will be varied.

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 Shop for Low Cost Kia Sedona Insurance

Finding cheaper rates on insurance for a Kia Sedona takes not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest the time to shop around every couple of years by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

The following is a review of the material that was illustrated above.

• Insureds who may need higher liability limits will pay approximately $440 per year to raise limits from a 30/60 limit to a 250/500 level
• Teens pay higher rates, with premiums being up to $296 each month if they have full coverage
• Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,030 more every year for Sedona insurance
• Increasing comprehensive and collision deductibles could save as much as $225 each year