Kia Sedona Insurance Rates
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UPDATED: May 24, 2024
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U.S. average insurance rates for a Kia Sedona are $930 a year with full coverage. Comprehensive costs approximately $174, collision costs $214, and liability insurance is $406. Liability-only coverage costs around $450 a year, with high-risk coverage costing around $1,992. Teen drivers pay the highest rates at $3,656 a year or more.
Average premium for full coverage: $930
Price estimates by individual coverage:
Prices include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for all Sedona models.
Price Range from Low to High
For a driver in their 40's, Kia Sedona insurance prices go from as low as $450 for the bare minimum liability coverage to the much higher price of $1,992 for a driver who requires high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a significant impact on the price of insurance. Rural locations have a lower frequency of collision claims than larger metro areas.
The example below illustrates how location helps determine auto insurance prices.
The ranges above demonstrate why everyone should compare rates quotes using their specific location and risk profile, rather than relying on price averages.
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 Information
The chart below details estimated Kia Sedona insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $562
- Raising to $1,000 deductibles will save $88 annually
- The average rate for the average middle-age driver who chooses $500 deductibles is $930
- Choosing pricier low deductibles will increase the cost to $1,098
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $1,992 or more
- The price for full coverage for a teen driver for full coverage can cost $3,656
Auto insurance prices for a Kia Sedona are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high deductibles could pay as little as $900 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay in the ballpark of $3,600 a year. View Rates by Age
The state you live in also has a big influence on Kia Sedona insurance rates. A middle-age driver might find prices as low as $670 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,260 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $840 | -$90 | -9.7% |
| Alaska | $714 | -$216 | -23.2% |
| Arizona | $770 | -$160 | -17.2% |
| Arkansas | $930 | -$0 | 0.0% |
| California | $1,058 | $128 | 13.8% |
| Colorado | $886 | -$44 | -4.7% |
| Connecticut | $954 | $24 | 2.6% |
| Delaware | $1,052 | $122 | 13.1% |
| Florida | $1,162 | $232 | 24.9% |
| Georgia | $858 | -$72 | -7.7% |
| Hawaii | $670 | -$260 | -28.0% |
| Idaho | $630 | -$300 | -32.3% |
| Illinois | $692 | -$238 | -25.6% |
| Indiana | $702 | -$228 | -24.5% |
| Iowa | $626 | -$304 | -32.7% |
| Kansas | $884 | -$46 | -4.9% |
| Kentucky | $1,268 | $338 | 36.3% |
| Louisiana | $1,376 | $446 | 48.0% |
| Maine | $574 | -$356 | -38.3% |
| Maryland | $768 | -$162 | -17.4% |
| Massachusetts | $742 | -$188 | -20.2% |
| Michigan | $1,612 | $682 | 73.3% |
| Minnesota | $780 | -$150 | -16.1% |
| Mississippi | $1,114 | $184 | 19.8% |
| Missouri | $824 | -$106 | -11.4% |
| Montana | $998 | $68 | 7.3% |
| Nebraska | $734 | -$196 | -21.1% |
| Nevada | $1,114 | $184 | 19.8% |
| New Hampshire | $670 | -$260 | -28.0% |
| New Jersey | $1,040 | $110 | 11.8% |
| New Mexico | $822 | -$108 | -11.6% |
| New York | $980 | $50 | 5.4% |
| North Carolina | $536 | -$394 | -42.4% |
| North Dakota | $762 | -$168 | -18.1% |
| Ohio | $640 | -$290 | -31.2% |
| Oklahoma | $952 | $22 | 2.4% |
| Oregon | $852 | -$78 | -8.4% |
| Pennsylvania | $884 | -$46 | -4.9% |
| Rhode Island | $1,240 | $310 | 33.3% |
| South Carolina | $844 | -$86 | -9.2% |
| South Dakota | $786 | -$144 | -15.5% |
| Tennessee | $814 | -$116 | -12.5% |
| Texas | $1,120 | $190 | 20.4% |
| Utah | $686 | -$244 | -26.2% |
| Vermont | $636 | -$294 | -31.6% |
| Virginia | $556 | -$374 | -40.2% |
| Washington | $718 | -$212 | -22.8% |
| West Virginia | $852 | -$78 | -8.4% |
| Wisconsin | $640 | -$290 | -31.2% |
| Wyoming | $830 | -$100 | -10.8% |
Choosing high deductibles can reduce prices by up to $260 each year, whereas buying more liability protection will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $366 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,100 to $1,600 in extra premium each year, depending on your age. Kia Sedona insurance for high-risk drivers is expensive and can cost anywhere from 44% to 132% more than average. View High Risk Driver Rates
Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices from as many companies as possible. Every auto insurance company uses a different rate calculation, and quoted prices may be quite different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Kia Sedona | $908 | $76 |
| Kia Sedona LX | $930 | $78 |
| Kia Sedona EX | $976 | $81 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Kia Sedona | $272 | $436 | $354 | $1,198 |
| 2020 Kia Sedona | $262 | $418 | $364 | $1,180 |
| 2019 Kia Sedona | $248 | $404 | $376 | $1,164 |
| 2018 Kia Sedona | $238 | $374 | $384 | $1,132 |
| 2017 Kia Sedona | $230 | $352 | $388 | $1,106 |
| 2016 Kia Sedona | $220 | $316 | $390 | $1,062 |
| 2015 Kia Sedona | $206 | $292 | $390 | $1,024 |
| 2014 Kia Sedona | $198 | $272 | $394 | $1,000 |
| 2012 Kia Sedona | $180 | $236 | $402 | $954 |
| 2011 Kia Sedona | $174 | $214 | $406 | $930 |
| 2010 Kia Sedona | $162 | $196 | $402 | $896 |
| 2008 Kia Sedona | $148 | $160 | $398 | $842 |
| 2007 Kia Sedona | $146 | $156 | $390 | $828 |
| 2006 Kia Sedona | $144 | $150 | $384 | $814 |
| 2005 Kia Sedona | $132 | $142 | $380 | $790 |
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 Find the Right Kia Sedona Insurance
Getting lower rates on Kia Sedona insurance consists of avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and not having any coverage lapses. Invest time comparing rates at every other renewal by getting rate quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
The points below are a quick rundown of the concepts that were covered in the charts and tables above.
- High-risk drivers with reckless driving or DUI convictions pay on average $1,060 more per year to insure a Kia Sedona
- Drivers under the age of 20 have the highest car insurance prices, costing up to $305 a month if they have full coverage
- You may be able to save around $110 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $250 each year
- You may be able to save around $110 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,656 |
| 20 | $2,110 |
| 30 | $952 |
| 40 | $930 |
| 50 | $854 |
| 60 | $836 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,098 |
| $250 | $1,022 |
| $500 | $930 |
| $1,000 | $842 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $930 |
| 50/100 | $1,057 |
| 100/300 | $1,159 |
| 250/500 | $1,423 |
| 100 CSL | $1,098 |
| 300 CSL | $1,321 |
| 500 CSL | $1,484 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,164 |
| 20 | $3,358 |
| 30 | $2,016 |
| 40 | $1,992 |
| 50 | $1,904 |
| 60 | $1,882 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $48 |
| Multi-vehicle | $49 |
| Homeowner | $16 |
| 5-yr Accident Free | $57 |
| 5-yr Claim Free | $58 |
| Paid in Full/EFT | $35 |
| Advance Quote | $41 |
| Online Quote | $64 |
| Total Discounts | $368 |
Discounts are estimated and may not be available from every company or in every state.
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