Kia Sedona Insurance Rates

Estimated insurance rates for a Kia Sedona are $868 a year for full coverage insurance. Comprehensive costs on average $152, collision costs $178, and liability insurance is estimated at $402. A liability-only policy costs approximately $446 a year, with high-risk insurance costing around $1,860. Teenage drivers pay the most at $3,464 a year or more.

Average premium for full coverage: $868

Premium estimates by type of coverage:

Price estimates include $500 deductible amounts, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for different Sedona trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences illustrate why anyone shopping for car insurance should get quotes based on a specific location and risk profile, rather than relying on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $530
• Choosing higher $1,000 deductibles can save around $74 each year
• The average rate for a 40-year-old good driver with $500 deductibles is $868
• Using more expensive low deductibles for comp and collision coverage will increase the cost to $1,012
• High-risk insureds who are prone to accidents and violations could pay upwards of $1,860 or more
• An auto insurance policy for full coverage for a teen driver with full coverage may cost $3,464 each year

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Auto insurance prices for a Kia Sedona also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.

An older driver with a good driving record and high deductibles could pay as little as $800 annually on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay upwards of $3,400 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Kia Sedona insurance rates. A good driver about age 40 could pay as low as $570 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,170 on average in Michigan, New York, and Florida.

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Using high physical damage deductibles can save as much as $220 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,000 to $1,500 in extra premium annually, depending on your age. High-risk driver insurance ranges anywhere from 43% to 128% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out exactly what you will pay is to compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, and quoted prices will be substantially different from one company to the next.

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 Cheaper Kia Sedona Insurance

Finding better rates on Kia Sedona insurance takes having a good driving record, having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Set aside time to compare rates every year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The next list is a condensed summary of the coverage data covered above.

• It is possible to save as much as $100 per year simply by shopping early and online
• Increasing policy deductibles can save around $225 each year
• Drivers age 20 and younger are charged the highest prices, with premiums being up to $289 per month if they have full coverage
• High-risk drivers with multiple at-fault accidents pay an average of $990 more each year to buy Kia Sedona insurance