Kia Sedona Insurance Rates
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Michelle Robbins
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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...
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UPDATED: May 24, 2024
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Estimated insurance rates for a Kia Sedona are $896 a year for full coverage insurance. Comprehensive insurance costs approximately $162, collision costs $196, and liability costs $402. A policy with only liability insurance costs as little as $446 a year, with a high-risk policy costing $1,922 or more. Teens pay the most at $3,550 a year or more.
Average premium for full coverage: $896
Premium estimates by type of coverage:
Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for different Sedona trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Kia Sedona go from as low as $446 for just liability insurance to a much higher rate of $1,922 for coverage for higher-risk drivers.
Insurance Price Range by Location
Your location can make a big difference on the price of auto insurance. Rural locations are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion.
The price range example below illustrates the difference location can make on auto insurance prices.
These rate differences illustrate why anyone shopping for car insurance should compare rates using their 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.
More Rate Details
The chart below illustrates estimated Kia Sedona insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $543
- Drivers who choose higher $1,000 deductibles will pay $80 each year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $896
- Selecting more expensive low deductibles for comprehensive and collision insurance will cost an extra $154 annually
- Drivers with serious driving violations could pay around $1,922 or more
- An auto insurance policy for full coverage for a 16-year-old driver with full coverage can cost $3,550 a year
Car insurance prices for a Kia Sedona also have a wide range based on your driving characteristics, the model year and trim level, and physical damage deductibles and liability limits.
An older driver with no driving violations and high deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged in the ballpark of $3,500 a year. View Rates by Age
Where you choose to live makes a big difference in Kia Sedona insurance prices. A 40-year-old driver could pay as low as $590 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,210 on average in Florida, New York, and Michigan.
| 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 save up to $240 annually, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will cost up to $362 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying anywhere from $1,100 to $1,500 extra annually, depending on your age. High-risk driver insurance can cost from 42% to 136% more than the average policy. View High Risk Driver Rates
With such a large range in prices, the only way to figure out who has the best car insurance prices is to compare prices from multiple companies. Every company calculates prices differently, so rate quotes will be substantially different from one company to the next.
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 Affordable Kia Sedona Insurance
Finding better rates on insurance for a Kia Sedona not only requires avoiding accidents and violations, but also having above-average credit, paying for small claims out-of-pocket, and avoiding coverage lapses. Make time to compare rates at least once a year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The list below is a brief review of the primary concepts that were touched on in this article.
- It is possible to save around $100 per year simply by shopping early and online
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,030 more per year for car insurance
- Increasing policy deductibles can save around $225 each year
- Teenagers pay the highest auto insurance prices, with premiums being up to $296 per month if full coverage is included
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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