Kia Sedona Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 24, 2024
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Average insurance rates for a Kia Sedona are $896 a year for full coverage. Comprehensive costs on average $162 a year, collision insurance costs $196, and liability costs around $402. Liability-only coverage costs as low as $446 a year, and high-risk coverage costs around $1,922. Teens receive the highest rates at up to $3,550 a year.
Average premium for full coverage: $896
Rate estimates by individual coverage type:
Estimates include $500 deductible amounts, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and Sedona trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from as low as $446 for liability-only coverage to a high of $1,922 for a high-risk driver policy.
Price Range by Location
Where you live can make a big difference on car insurance rates. Rural areas tend to have a lower frequency of accident claims than cities with more traffic congestion. The diagram below illustrates how your location can change car insurance rates.
These examples show why it is important to compare prices based on a specific location and risk profile, instead of making a decision based on averaged prices.
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 Charts and Tables
The chart below shows average Kia Sedona insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $543
- Using higher $1,000 deductibles will save around $816 a year
- The average rate for a 40-year-old driver with $500 deductibles is $896
- Selecting low $100 deductibles for physical damage coverage will increase the cost to $1,050
- High-risk insureds with serious driving violations could pay upwards of $1,922
- The cost for full coverage for a 16-year-old driver may cost $3,550 or more
Car insurance rates for a Kia Sedona can also vary considerably based on your driver profile, the trim level of your Sedona, and policy deductibles and limits.
Older drivers with no driving violations and high deductibles may pay as low as $900 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged upwards of $3,500 a year. View Rates by Age
Where you live has a huge impact on Kia Sedona insurance prices. A driver around age 40 might see rates as low as $590 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,280 on average in Michigan, Louisiana, and New York.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $240 annually, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,100 to $1,500 extra per year, depending on your age. A high-risk auto insurance policy can be from 42% to 136% more than the average policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Find Low Cost Kia Sedona Insurance
Saving money on insurance for a Kia Sedona requires having a good driving record, having above-average credit, eliminating unneeded coverage, and possibly raising deductibles. Invest the time to shop around every time your policy renews by requesting rates from direct carriers like GEICO and Progressive, and also from your local insurance agents.
The next list is a review of the information illustrated above.
- Drivers can save as much as $100 per year just by quoting early and online
- Drivers age 20 and younger are expensive to insure, costing as high as $296 per month if full coverage is included
- Increasing deductibles can save around $225 each year
- Drivers considered higher risk who have several accidents or serious violations will pay on average $1,030 more each year to buy Kia Sedona insurance
- Insureds who require increased levels of liability coverage will pay approximately $440 each year to increase from a minimum limit to 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,050 |
| $250 | $982 |
| $500 | $896 |
| $1,000 | $816 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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