Kia Sedona Insurance Rates

The average insurance rates for a Kia Sedona are $896 a year including full coverage. Comprehensive costs on average $162 a year, collision costs $196, and liability is $402. Liability-only insurance costs around $446 a year, with high-risk driver insurance costing around $1,922. Teen drivers cost the most to insure at $3,550 a year or more.

Average premium for full coverage: $896

Policy rates by type of insurance:

These estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Sedona trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how geographic area affects car insurance rates.

The examples above highlight why it is important to compare rates quotes based on a specific location, instead of making a decision based on price averages.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below breaks down estimated Kia Sedona insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $543
• Raising to $1,000 deductibles will save around $816 every year
• The estimated price for a good driver age 40 with $500 deductibles is $896
• Choosing low $100 deductibles bumps up the cost to $1,050
• Drivers with multiple violations and an at-fault accident could pay upwards of $1,922 or more
• Policy cost that insures a 16-year-old driver may cost $3,550

View Chart as Image

Auto insurance rates for a Kia Sedona also range considerably based on the trim level of your Sedona, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,100 to $1,500 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 136% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay upwards of $3,500 a year. View Rates by Age

Your home state also has a big influence on Kia Sedona insurance prices. A middle-age driver might find rates as low as $690 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,280 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles can reduce rates by up to $240 annually, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, and quoted rates will be varied.

Insurance Rates by Trim Level and Model Year

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.

How to Find Cheap Kia Sedona Insurance

Finding cheaper rates on insurance for a Kia Sedona consists of being a good driver, maintaining a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Shop around at least once a year by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The following list is a brief summary of the primary concepts that were presented in the illustrations above.

• You may be able to save as much as $100 per year simply by quoting early and online
• Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,030 more each year than a safer driver
• Increasing comprehensive and collision deductibles can save approximately $225 each year
• Drivers age 16 to 20 are charged the highest rates, with premiums being up to $296 each month if the policy includes full coverage