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2008 Kia Sedona Insurance Rates

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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 17, 2020

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Average insurance rates for a 2008 Kia Sedona are $930 a year with full coverage. Comprehensive costs around $174, collision insurance costs $214, and liability costs $406. Buying a liability-only policy costs as little as $450 a year, and high-risk insurance costs around $1,992. Teen drivers receive the highest rates at up to $3,656 a year.

Annual premium for full coverage: $930

Rate estimates for 2008 Kia Sedona Insurance

Comprehensive $174
Collision $214
Liability $406

Rate data is compiled from all 50 U.S. states and averaged for all 2008 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 40-year-old driver, prices range range from as low as $450 for basic liability insurance to a much higher rate of $1,992 for high-risk insurance.

Liability Only $450
Full Coverage $930
High Risk $1,992

View Chart as Image

2008 Kia Sedona insurance rates compared
Column chart showing 2008 Kia Sedona insurance prices range from $562 to $3,656 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 price averages.

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 2008 Kia Sedona Insurance

Searching Companies

Are you tired of scraping the payment together to pay your car insurance bill each month? Your situation is no different than the majority of other car owners. Many car insurance companies compete to insure your vehicles, so it can be very hard to choose a company and uncover the absolute best price available.

If you have a current auto insurance policy or are shopping for new coverage, you can use these tips to get lower rates and possibly find even better coverage. Buying car insurance is not that difficult. Consumers just need to understand the best way to compare company rates online.

The fastest way that we advise to compare rate quotes is to understand almost all companies participate in a system to compare their rates. The one thing you need to do is give the companies some data including your general credit rating, types of safety features, whether you drive to work or school, and the make and model of your vehicles. Your rating data is automatically sent to insurance carriers in your area and they return quotes with very little delay.

You are unique and your insurance should be too

When it comes to choosing proper insurance coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions may help you determine whether or not you will benefit from professional help.

  • Will my rates increase for filing one claim?
  • What is covered by UM/UIM coverage?
  • What is roadside assistance coverage?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is pleasure use cheaper than using my 2008 Kia Sedona to commute?
  • When can my company non-renew my policy?
  • When do I need to add a new car to my policy?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, free and can provide invaluable advice.

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Coverages available on your auto insurance policy

Learning about specific coverages of auto insurance helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find the usual coverages found on most auto insurance policies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as EMT expenses, doctor visits and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Liability car insurance

Liability insurance can cover damage that occurs to other people or property in an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of 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 limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against things like attorney fees, medical services, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Auto collision coverage

Collision insurance covers damage to your Sedona resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as backing into a parked car, crashing into a ditch, driving through your garage door, hitting a mailbox and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hail damage, vandalism and hitting a deer. The maximum amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2008 Kia Sedona Insurance Rates by City
City Premium
New York City, NY $1,470
Los Angeles, CA $1,587
Philadelphia, PA $1,238
Jacksonville, FL $1,348
Phoenix, AZ $1,078
Chicago, IL $1,246
Houston, TX $1,456
Seattle, WA $905
Columbus, OH $774
Indianapolis, IN $793

Need a specific model?

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Rates by Driver Age

2008 Kia Sedona Insurance Rates by Driver Age
Driver Age Premium
16 $3,656
20 $2,110
30 $952
40 $930
50 $854
60 $836

Full coverage, $500 deductibles

Rates by Deductible

2008 Kia Sedona Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,098
$250 $1,022
$500 $930
$1,000 $842

Full coverage, driver age 40

Rates by Liability Limit

Kia Sedona Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $930
50/100 $1,011
100/300 $1,113
250/500 $1,377
100 CSL $1,052
300 CSL $1,275
500 CSL $1,438

Full coverage, driver age 40

Rates for High Risk Drivers

2008 Kia Sedona Insurance Rates for High Risk Drivers
Age Premium
16 $5,164
20 $3,358
30 $2,016
40 $1,992
50 $1,904
60 $1,882

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 $123

Potential Rate Discounts

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

Discount Savings
Multi-policy $48
Multi-vehicle $49
Homeowner $16
5-yr Accident Free $57
5-yr Claim Free $58
Paid in Full/EFT $35
Advance Quote $41
Online Quote $64
Total Discounts $368
Rate after discounts $562

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

Find companies with the cheapest rates in your area

2008 Kia Sedona Insurance Rates by State
State Premium
Alabama $840
Alaska $714
Arizona $770
Arkansas $930
California $1,058
Colorado $886
Connecticut $954
Delaware $1,052
Florida $1,162
Georgia $858
Hawaii $670
Idaho $630
Illinois $692
Indiana $702
Iowa $626
Kansas $884
Kentucky $1,268
Louisiana $1,376
Maine $574
Maryland $768
Massachusetts $742
Michigan $1,612
Minnesota $780
Mississippi $1,114
Missouri $824
Montana $998
Nebraska $734
Nevada $1,114
New Hampshire $670
New Jersey $1,040
New Mexico $822
New York $980
North Carolina $536
North Dakota $762
Ohio $640
Oklahoma $952
Oregon $852
Pennsylvania $884
Rhode Island $1,240
South Carolina $844
South Dakota $786
Tennessee $814
Texas $1,120
Utah $686
Vermont $636
Virginia $556
Washington $718
West Virginia $852
Wisconsin $640
Wyoming $830

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