2005 Kia Sedona Insurance Rates
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UPDATED: Mar 17, 2020
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Average insurance rates for a 2005 Kia Sedona are $842 a year including full coverage. Comprehensive insurance costs on average $148 a year, collision costs $160, and liability coverage costs around $398. Buying a liability-only policy costs as low as $444 a year, with high-risk insurance costing $1,798 or more. Teenage drivers receive the highest rates at $3,372 a year or more.
Annual premium for full coverage: $842
Rate estimates for 2005 Kia Sedona Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2005 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 the average driver, prices range go from as low as $444 for only liability insurance to a high of $1,798 for a driver that may need high-risk insurance.
These differences highlight why it is important for drivers to compare prices based on a specific location and risk profile, rather than 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 2005 Kia Sedona Insurance
Finding affordable car insurance can be hard for people who are new to comparison shopping online. Drivers have so many choices that it can quickly become a lot of work to locate the lowest price.
Automobile Insurance Quotes
Performing a rate comparison is a ton of work if you don’t know the most efficient way. You could spend your day discussing policy coverages with insurance companies in your area, or you can stay home and use online quotes to get rate comparisons in just a few minutes.
Most of the best insurance companies take part in a program that enables customers to enter their policy data once, and every company can provide price quotes for coverage. This prevents consumers from doing quote forms for each company you want a rate for.
To participate in this free quote system, click here to open in new window.
The only drawback to doing it this way is you don’t know exactly the companies to get pricing from. So if you want to choose from a list of companies to compare rates, we have assembled a list of low cost insurance coverage companies in your area. Click here for list of insurance companies.
It doesn’t matter which method you choose, just be sure to compare apples-to-apples coverage limits for every company. If you have different values for each quote it will be very difficult to truly determine the lowest rate. Having just a slight variation in limits may result in a large different in cost. And when comparison shopping, comparing more company’s prices will enable you to find the best price.
Don’t miss out on these seven money-saving discounts
Companies that sell car insurance don’t always advertise every available discount very well, so the following is a list of both the well known as well as the least known ways to save on insurance coverage.
- Drivers Education – Have your child enroll in driver’s education if it’s offered in school.
- Multiple Vehicles – Buying coverage for multiple vehicles on one policy could earn a price break for each car.
- Life Insurance Discount – Larger companies have lower rates if you buy life insurance from them.
- Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates for Sedona insurance than their less cautious counterparts.
- Seat Belts Save – Drivers who require all occupants to wear their seat belts could cut 10% or more off the personal injury premium cost.
- Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts can qualify for discounts of 20% or more.
- Club Memberships – Participating in certain professional organizations could trigger savings when buying insurance coverage for Sedona insurance.
Consumers should know that some of the credits will not apply to the entire policy premium. Some only reduce specific coverage prices like medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, it doesn’t quite work that way.
To see a list of providers with discount insurance coverage rates, click here.
Free Auto Insurance Comparison
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Do I need special coverages?
When it comes to choosing the best insurance coverage, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.
For instance, these questions may help you determine if your situation would benefit from an agent’s advice.
- How much liability coverage do I need in my state?
- What are the financial responsibility laws in my state?
- What happens if I owe more than my 2005 Kia Sedona is worth?
- How can I force my company to pay a claim?
- Am I covered when driving a rental car?
- Do I need motorclub coverage?
- How do I file an SR-22 for a DUI in my state?
- Am I covered by my spouse’s policy after a separation?
- Do I have newly-aquired coverage?
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form.
Coverages available on your policy
Learning about specific coverages of your car insurance policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.
Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims like a tree branch falling on your vehicle, damage from flooding, a broken windshield, damage from getting keyed and vandalism. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.
Liability coverage protects you from injuries or damage you cause to people or other property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.
Liability can pay for claims such as emergency aid, medical expenses, repair costs for stationary objects and loss of income. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.
Medical expense coverage
Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as rehabilitation expenses, funeral costs, doctor visits, dental work and pain medications. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Collision insurance will pay to fix damage to your Sedona from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things such as hitting a mailbox, hitting a parking meter, backing into a parked car, scraping a guard rail and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.
Uninsured or underinsured coverage
Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Kia Sedona.
Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
As you restructure your insurance plan, do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut liability limits or collision coverage and found out when filing a claim they didn’t purchase enough coverage. Your goal should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.
People switch companies for any number of reasons including extreme rates for teen drivers, delays in paying claims, high rates after DUI convictions and poor customer service. It doesn’t matter why you want to switch finding a new company can be easier than you think.
Cheap 2005 Kia Sedona insurance is definitely available online and with local insurance agents, and you should be comparing both to get a complete price analysis. Some insurance coverage companies do not offer online price quotes and these small insurance companies work with independent agents.
Additional information can be read at the links below
- Comprehensive Coverage (Liberty Mutual)
- Coverage Information (Progressive Insurance)
- Insuring a Leased Car (Insurance Information Insitute)
- How to Avoid Staged Accidents (State Farm)
- Information for Teen Drivers (GEICO)
Rates by U.S. City
|New York City, NY||$1,329|
|Los Angeles, CA||$1,437|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$49|
|5-yr Claim Free||$52|
|Paid in Full/EFT||$29|
Discounts are estimated and may not be available from every company or in every state.