Kia Sedona Insurance Rates
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UPDATED: May 24, 2024
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Average insurance rates for a Kia Sedona are $930 a year with full coverage. Comprehensive insurance costs around $174, collision insurance costs $214, and liability is estimated at $406. A policy with just liability insurance costs approximately $450 a year, and coverage for high-risk drivers costs $1,992 or more. Teenage drivers receive the highest rates at up to $3,656 a year.
Average premium for full coverage: $930
Rate estimates for individual coverage type:
Price estimates include $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and for different Sedona trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from as low as $450 for your basic liability-only policy to a much higher rate of $1,992 for a policy for a high-risk driver.
Price Range by Location
Living in a larger city can have significant affects on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than densely populated cities. The price range example below illustrates how where you live affects auto insurance rates.
These examples demonstrate why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, instead of 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.
More Rate Information
The chart below details average Kia Sedona insurance rates for additional coverage choices and driver risks.
- The best discount rate is $562
- Choosing higher $1,000 deductibles can save about $88 annually
- The average rate for a 40-year-old driver using $500 deductibles is $930
- Using more expensive low deductibles for comp and collision coverage will cost an extra $168 every year
- Unlucky drivers who are prone to accidents and violations could pay at least $1,992
- The cost for full coverage for a teen driver with full coverage can be $3,656 each year
Insurance rates for a Kia Sedona can also vary considerably based on your driver profile, the trim level and model year, and deductibles and policy limits.
An older driver with no violations or accidents and high deductibles may pay as little as $900 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay as much as $3,600 a year. View Rates by Age
Where you live plays a big part in determining prices for Kia Sedona insurance prices. A good driver about age 40 could pay as low as $670 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,260 on average in Florida, Michigan, and New York.
| 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% |
Using high physical damage deductibles can save as much as $260 every year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $366 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out at least $1,100 to $1,600 additional per year, depending on your age. High-risk driver insurance ranges as much as 44% to 132% more than a normal policy. View High Risk Driver Rates
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 Cheaper Kia Sedona Insurance
Saving money on car insurance takes avoiding accidents and claims, having a good credit history, eliminating unnecessary coverage, and deciding if full coverage is necessary. Take the time to comparison shop every year by getting quotes from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.
The points below are a condensed summary of the coverage data touched on in the above illustrations.
- You may be able to save up to $110 per year just by shopping early and online
- Increasing deductibles can save around $250 each year
- Drivers under the age of 20 are charged the highest rates, with premiums as much as $305 per month including comprehensive and collision insurance
- Higher risk drivers with multiple at-fault accidents pay an average of $1,060 more every year to insure a Kia Sedona
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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