Kia Sedona Insurance Rates
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UPDATED: Jun 3, 2023
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Average insurance prices for a Kia Sedona are $930 every 12 months with full coverage. Comprehensive costs approximately $174, collision costs $214, and liability coverage is $406. A liability-only policy costs around $450 a year, with high-risk insurance costing around $1,992. 16-year-old drivers receive the highest rates at $3,656 a year or more.
Average premium for full coverage: $930
Rate estimates by individual coverage type:
Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for all Sedona models.
Price Range by Coverage and Risk
For the normal driver, prices range go from the cheapest price of $450 for liability-only coverage to the much higher price of $1,992 for a driver who requires high-risk insurance.
Price Range by Location
Choosing to live in a large city has a large influence on the price of insurance. Rural locations tend to have more infrequent collision claims than congested cities.
The example below illustrates how geographic area affects auto insurance prices.
These examples demonstrate why everyone should compare rates quotes using their specific location and their own driving history, 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.
Additional Charts and Tables
The chart below details estimated Kia Sedona insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $562
- Raising to $1,000 deductibles will save $88 annually
- The average price for a 40-year-old driver who chooses $500 deductibles is $930
- Buying pricier low deductibles increases the price to $1,098
- Unlucky drivers with multiple tickets or accidents could pay around $1,992 or more
- The cost to insure a teenage driver for full coverage can cost $3,656
Insurance rates for a Kia Sedona can also vary considerably based on policy deductibles and limits, your driving record, and the model of your Sedona.
Opting for high physical damage deductibles can reduce rates by up to $260 a year, whereas buying more liability protection will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $366 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may only pay around $900 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay in the ballpark of $3,600 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out anywhere from $1,100 to $1,600 extra per year, depending on your age. Kia Sedona insurance for high-risk drivers is expensive and can cost around 44% to 132% more than the average rate. View High Risk Driver Rates
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 Utah, Ohio, and New Hampshire, or at least $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% |
With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates and see how they stack up. Every auto insurance company utilizes a different rate formula, so the rates can be significantly different.
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 Shop for the Cheapest Kia Sedona Insurance
Saving money on auto insurance consists of being a good driver, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates at every other renewal by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The following list is a recap of the concepts that were presented in the illustrations above.
- Drivers that have major violations or accidents could be forced to pay on average $1,060 more per year than a safer driver
- Drivers age 16 to 20 are expensive to insure, with premiums as much as $305 per 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 deductibles could save as much as $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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