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 auto insurance rates for a Kia Sedona are $868 annually including full coverage. Comprehensive insurance costs an estimated $152 a year, collision insurance costs $178, and liability coverage is $402. Buying just liability costs around $446 a year, and insurance for high-risk drivers costs $1,860 or more. 16-year-old drivers receive the highest rates at up to $3,464 a year.
Average premium for full coverage: $868
Rate estimates broken down by individual coverage type:
Estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Sedona trim levels.
Price Range by Coverage and Risk
For an average driver, prices range range from as cheap as $446 for basic liability insurance to a high of $1,860 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than congested cities. The diagram below illustrates the effect of geographic area on insurance prices.
These examples highlight why it is important to compare rates quotes for a targeted area and their own personal driving habits, rather than using rate 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.
Rate Comparisons
The chart below breaks down average Kia Sedona insurance rates for other coverage scenarios.
- The best full coverage rate is $530
- Raising to $1,000 deductibles will save approximately $794 every year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $868
- Buying low $100 deductibles costs an additional $144 each year
- Unlucky drivers with multiple tickets or accidents could pay up to $1,860
- The cost with full coverage for a teenage driver can cost as much as $3,464
Auto insurance rates for a Kia Sedona can also vary considerably based on the trim level of your Sedona, your driving characteristics, and liability limits and deductibles.
Older drivers with a good driving record and high physical damage deductibles may only pay around $800 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay at least $3,400 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying $1,000 to $1,500 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 128% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $220 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $362 extra every year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Kia Sedona insurance rates. A middle-age driver might find rates as low as $670 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,240 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $786 | -$82 | -9.4% |
| Alaska | $666 | -$202 | -23.3% |
| Arizona | $720 | -$148 | -17.1% |
| Arkansas | $868 | -$0 | 0.0% |
| California | $990 | $122 | 14.1% |
| Colorado | $828 | -$40 | -4.6% |
| Connecticut | $892 | $24 | 2.8% |
| Delaware | $980 | $112 | 12.9% |
| Florida | $1,082 | $214 | 24.7% |
| Georgia | $804 | -$64 | -7.4% |
| Hawaii | $624 | -$244 | -28.1% |
| Idaho | $588 | -$280 | -32.3% |
| Illinois | $646 | -$222 | -25.6% |
| Indiana | $656 | -$212 | -24.4% |
| Iowa | $586 | -$282 | -32.5% |
| Kansas | $826 | -$42 | -4.8% |
| Kentucky | $1,184 | $316 | 36.4% |
| Louisiana | $1,286 | $418 | 48.2% |
| Maine | $536 | -$332 | -38.2% |
| Maryland | $718 | -$150 | -17.3% |
| Massachusetts | $692 | -$176 | -20.3% |
| Michigan | $1,508 | $640 | 73.7% |
| Minnesota | $728 | -$140 | -16.1% |
| Mississippi | $1,040 | $172 | 19.8% |
| Missouri | $770 | -$98 | -11.3% |
| Montana | $932 | $64 | 7.4% |
| Nebraska | $682 | -$186 | -21.4% |
| Nevada | $1,042 | $174 | 20.0% |
| New Hampshire | $626 | -$242 | -27.9% |
| New Jersey | $972 | $104 | 12.0% |
| New Mexico | $768 | -$100 | -11.5% |
| New York | $914 | $46 | 5.3% |
| North Carolina | $500 | -$368 | -42.4% |
| North Dakota | $714 | -$154 | -17.7% |
| Ohio | $600 | -$268 | -30.9% |
| Oklahoma | $888 | $20 | 2.3% |
| Oregon | $796 | -$72 | -8.3% |
| Pennsylvania | $828 | -$40 | -4.6% |
| Rhode Island | $1,158 | $290 | 33.4% |
| South Carolina | $788 | -$80 | -9.2% |
| South Dakota | $732 | -$136 | -15.7% |
| Tennessee | $760 | -$108 | -12.4% |
| Texas | $1,046 | $178 | 20.5% |
| Utah | $644 | -$224 | -25.8% |
| Vermont | $592 | -$276 | -31.8% |
| Virginia | $520 | -$348 | -40.1% |
| Washington | $670 | -$198 | -22.8% |
| West Virginia | $796 | -$72 | -8.3% |
| Wisconsin | $600 | -$268 | -30.9% |
| Wyoming | $772 | -$96 | -11.1% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Kia Sedona | $850 | $71 |
| Kia Sedona LX | $868 | $72 |
| Kia Sedona EX | $906 | $76 |
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 | $248 | $404 | $376 | $1,164 |
| 2020 Kia Sedona | $238 | $374 | $384 | $1,132 |
| 2019 Kia Sedona | $230 | $352 | $388 | $1,106 |
| 2018 Kia Sedona | $220 | $316 | $390 | $1,062 |
| 2017 Kia Sedona | $206 | $292 | $390 | $1,024 |
| 2016 Kia Sedona | $198 | $272 | $394 | $1,000 |
| 2015 Kia Sedona | $194 | $254 | $402 | $986 |
| 2014 Kia Sedona | $180 | $236 | $402 | $954 |
| 2012 Kia Sedona | $162 | $196 | $402 | $896 |
| 2011 Kia Sedona | $152 | $178 | $402 | $868 |
| 2010 Kia Sedona | $148 | $160 | $398 | $842 |
| 2008 Kia Sedona | $144 | $150 | $384 | $814 |
| 2007 Kia Sedona | $132 | $142 | $380 | $790 |
| 2006 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 Low Cost Kia Sedona Insurance
Saving money on auto insurance consists of being a safe and courteous driver, having above-average credit, not filing small claims, and consideration of higher deductibles. Take the time to compare rates every time your policy renews by getting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
Below is a review of the information covered in the above illustrations.
- You may be able to save approximately $100 per year just by quoting early and online
- Teenage drivers are the costliest to insure, as much as $289 per month if full coverage is included
- Increasing deductibles could save up to $225 each year
- Drivers who have several accidents or serious violations could be forced to pay on average $990 more annually for auto insurance
- Consumers who want higher levels of liability will pay around $440 per year to raise from a minimum limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,464 |
| 20 | $1,972 |
| 30 | $884 |
| 40 | $868 |
| 50 | $796 |
| 60 | $780 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,012 |
| $250 | $948 |
| $500 | $868 |
| $1,000 | $794 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $868 |
| 50/100 | $986 |
| 100/300 | $1,087 |
| 250/500 | $1,348 |
| 100 CSL | $1,027 |
| 300 CSL | $1,248 |
| 500 CSL | $1,409 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,882 |
| 20 | $3,136 |
| 30 | $1,876 |
| 40 | $1,860 |
| 50 | $1,774 |
| 60 | $1,756 |
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 | $44 |
| Multi-vehicle | $46 |
| Homeowner | $15 |
| 5-yr Accident Free | $52 |
| 5-yr Claim Free | $54 |
| Paid in Full/EFT | $31 |
| Advance Quote | $37 |
| Online Quote | $59 |
| Total Discounts | $338 |
Discounts are estimated and may not be available from every company or in every state.
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