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2003 Kia Sedona Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 16, 2020

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Average insurance rates for a 2003 Kia Sedona are $814 a year with full coverage. Comprehensive costs around $144, collision costs $150, and liability costs $384. Buying a liability-only policy costs as little as $432 a year, with high-risk insurance costing around $1,728. Teenage drivers receive the highest rates at $3,250 a year or more.

Annual premium for full coverage: $814

Rate estimates for 2003 Kia Sedona Insurance

Comprehensive $144
Collision $150
Liability $384

Rate data is compiled from all 50 U.S. states and averaged for all 2003 Kia Sedona models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as low as $432 for just liability coverage to a much higher rate of $1,728 for a driver who has had serious violations or accidents.

Liability Only $432
Full Coverage $814
High Risk $1,728

View Chart as Image

2003 Kia Sedona insurance rates compared
Column chart showing 2003 Kia Sedona insurance prices range from $503 to $3,250 for full coverage

These differences demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, instead of using average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2003 Kia Sedona Insurance

Searching Companies

Looking for the cheapest car insurance rates for your Kia Sedona? Finding lower rates for car insurance can be challenging for consumers not familiar with comparison shopping online. You have so many companies to choose from that it can quickly become a challenge to locate the lowest price.

Be sure to get all your discounts

Insurance can be prohibitively expensive, but you can get discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of purchase, but a few need to be asked for before you get the savings.

  • Military Rewards – Being deployed with a military unit can result in better rates.
  • Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
  • No Accidents – Claim-free drivers can earn big discounts when compared to bad drivers.
  • Homeowners Discount – Owning a house can help you save on insurance coverage because owning a home requires personal responsibility.
  • Student in College – Any of your kids living away from home attending college and do not have access to a covered vehicle can receive lower rates.
  • Seat Belt Usage – Requiring all passengers to use a seat belt could cut 10% or more off your PIP or medical payments premium.

Consumers should know that some of the credits will not apply to the entire cost. The majority will only reduce individual premiums such as comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, companies wouldn’t make money that way. Any qualifying discounts will reduce the amount you have to pay.

To see a list of insurance companies who offer insurance coverage discounts, click this link.

Compare the Market for Car Insurance

Comparing car insurance rates can be a daunting task if you don’t utilize the most efficient way. You can spend countless hours driving to local insurance agents in your area, or you could save time and use online quoting to quickly compare rates.

Most of the larger companies belong to an insurance system where prospective buyers send in one quote, and each company then gives them pricing based on that data. This eliminates the need for repetitive form submissions to each individual car insurance company.

To find out what other companies charge for 2003 Kia Sedona insurance click here (opens in new window).

The one downside to doing it this way is you can’t choose which insurance companies to receive prices from. If you wish to select specific providers to receive pricing from, we have assembled a list of companies who write car insurance in your area. View list of insurance companies.

Whichever method you choose, ensure you’re using apples-to-apples deductibles and coverage limits with each company. If your comparisons have different limits and deductibles on each one it’s impossible to determine the best price for your Kia Sedona. Having just a slight variation in insurance coverages may result in large price differences. And when comparing car insurance rates, know that obtaining a wide range of quotes will enable you to find the best rates.

Free Auto Insurance Comparison

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How do I know if I need professional advice?

When buying proper insurance coverage for your vehicles, there really is no “perfect” insurance plan. Each situation is unique.

These are some specific questions can help discover if your insurance needs might need an agent’s assistance.

  • Am I covered if I drive in a foreign country?
  • How does medical payments coverage work?
  • Are there companies who specialize in insuring high-risk drivers?
  • Should I buy only the required minimum liability coverage?
  • What are the best liability limits?
  • Do I have coverage when making deliveries for my home business?
  • Do I need medical payments coverage since I have good health insurance?
  • Is borrowed equipment or tools covered if stolen or damaged?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Coverages available on your car insurance policy

Having a good grasp of your policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Auto liability – This protects you from injuries or damage you cause to a person or their property. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as medical expenses, funeral expenses, legal defense fees, bail bonds and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive insurance – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from flooding, hitting a deer, damage from a tornado or hurricane, vandalism and damage from getting keyed. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like dental work, X-ray expenses, prosthetic devices and funeral costs. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision – Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as driving through your garage door, scraping a guard rail and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Kia Sedona.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these coverages are similar to your liability insurance amounts.

Shop Smart and Save

As you go through the steps to switch your coverage, it’s not a good idea to reduce coverage to reduce premium. In many instances, consumers will sacrifice liability limits or collision coverage and found out when filing a claim they didn’t have enough coverage. The aim is to get the best coverage possible for the lowest price while not skimping on critical coverages.

Cheaper 2003 Kia Sedona insurance can be found from both online companies and also from your neighborhood agents, and you should be comparing both to have the best rate selection. Some companies may not provide online quoting and most of the time these small insurance companies sell through independent agents.

You just learned some good ideas how to save on insurance. The key thing to remember is the more providers you compare, the better chance you’ll have of finding lower rates. Drivers may discover the lowest rates come from a smaller regional carrier.

Even more information is available in the articles below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2003 Kia Sedona Insurance Rates by City
City Premium
New York City, NY $1,281
Los Angeles, CA $1,389
Philadelphia, PA $1,081
Jacksonville, FL $1,174
Phoenix, AZ $941
Chicago, IL $1,087
Houston, TX $1,271
Seattle, WA $789
Columbus, OH $673
Indianapolis, IN $692

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2003 Kia Sedona Insurance Rates by Driver Age
Driver Age Premium
16 $3,250
20 $1,832
30 $824
40 $814
50 $746
60 $730

Full coverage, $500 deductibles

Rates by Deductible

2003 Kia Sedona Insurance Rates with Different Deductibles
Deductible Premium
$100 $936
$250 $880
$500 $814
$1,000 $744

Full coverage, driver age 40

Rates by Liability Limit

Kia Sedona Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $814
50/100 $891
100/300 $987
250/500 $1,236
100 CSL $929
300 CSL $1,140
500 CSL $1,294

Full coverage, driver age 40

Rates for High Risk Drivers

2003 Kia Sedona Insurance Rates for High Risk Drivers
Age Premium
16 $4,566
20 $2,912
30 $1,742
40 $1,728
50 $1,650
60 $1,632

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.

SR-22 Surcharge $105

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $41
Multi-vehicle $43
Homeowner $14
5-yr Accident Free $47
5-yr Claim Free $50
Paid in Full/EFT $28
Advance Quote $34
Online Quote $54
Total Discounts $311
Rate after discounts $503

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2003 Kia Sedona Insurance Rates by State
State Premium
Alabama $732
Alaska $622
Arizona $672
Arkansas $814
California $926
Colorado $772
Connecticut $834
Delaware $916
Florida $1,012
Georgia $750
Hawaii $584
Idaho $552
Illinois $604
Indiana $612
Iowa $546
Kansas $770
Kentucky $1,108
Louisiana $1,200
Maine $500
Maryland $670
Massachusetts $646
Michigan $1,408
Minnesota $680
Mississippi $972
Missouri $720
Montana $870
Nebraska $638
Nevada $972
New Hampshire $586
New Jersey $906
New Mexico $716
New York $854
North Carolina $466
North Dakota $666
Ohio $556
Oklahoma $832
Oregon $744
Pennsylvania $772
Rhode Island $1,080
South Carolina $738
South Dakota $684
Tennessee $710
Texas $978
Utah $600
Vermont $554
Virginia $486
Washington $626
West Virginia $744
Wisconsin $562
Wyoming $722

Free Auto Insurance Comparison

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