Kia Sedona Insurance Rates
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UPDATED: Jun 6, 2023
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The average insurance rates for a Kia Sedona are $1,132 a year for full coverage insurance. Comprehensive insurance costs around $238 each year, collision insurance costs $374, and liability is $384. Liability-only insurance costs around $432 a year, and high-risk driver insurance costs $2,440 or more. 16-year-old drivers cost the most to insure at up to $4,272 a year.
Average premium for full coverage: $1,132
Policy rates for type of insurance:
Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Sedona models.
Price Range Variability
For a driver around age 40, Kia Sedona insurance rates range from the low end price of $432 for liability-only coverage to a high rate of $2,440 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than congested cities. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.
The examples above illustrate why all drivers should compare rates quotes for a specific zip code, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below illustrates average Kia Sedona insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $660
- Raising to $1,000 deductibles will save about $138 each year
- The estimated price for a good driver age 40 using $500 deductibles is $1,132
- Buying low deductibles will cost an additional $268 annually
- Drivers with multiple tickets or accidents could pay at least $2,440
- Policy cost that insures a 16-year-old driver can be $4,272
Auto insurance rates for a Kia Sedona also range considerably based on the trim level and model year, your age and driving record, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,300 to $1,900 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 128% more than the average rate. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay as much as $4,200 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 $740 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,530 on average in Michigan, New York, and Florida.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,022 | -$110 | -9.7% |
Alaska | $868 | -$264 | -23.3% |
Arizona | $938 | -$194 | -17.1% |
Arkansas | $1,132 | -$0 | 0.0% |
California | $1,292 | $160 | 14.1% |
Colorado | $1,080 | -$52 | -4.6% |
Connecticut | $1,164 | $32 | 2.8% |
Delaware | $1,280 | $148 | 13.1% |
Florida | $1,414 | $282 | 24.9% |
Georgia | $1,046 | -$86 | -7.6% |
Hawaii | $816 | -$316 | -27.9% |
Idaho | $768 | -$364 | -32.2% |
Illinois | $844 | -$288 | -25.4% |
Indiana | $854 | -$278 | -24.6% |
Iowa | $766 | -$366 | -32.3% |
Kansas | $1,074 | -$58 | -5.1% |
Kentucky | $1,546 | $414 | 36.6% |
Louisiana | $1,676 | $544 | 48.1% |
Maine | $700 | -$432 | -38.2% |
Maryland | $934 | -$198 | -17.5% |
Massachusetts | $902 | -$230 | -20.3% |
Michigan | $1,964 | $832 | 73.5% |
Minnesota | $950 | -$182 | -16.1% |
Mississippi | $1,356 | $224 | 19.8% |
Missouri | $1,004 | -$128 | -11.3% |
Montana | $1,214 | $82 | 7.2% |
Nebraska | $892 | -$240 | -21.2% |
Nevada | $1,358 | $226 | 20.0% |
New Hampshire | $816 | -$316 | -27.9% |
New Jersey | $1,264 | $132 | 11.7% |
New Mexico | $1,002 | -$130 | -11.5% |
New York | $1,192 | $60 | 5.3% |
North Carolina | $652 | -$480 | -42.4% |
North Dakota | $928 | -$204 | -18.0% |
Ohio | $778 | -$354 | -31.3% |
Oklahoma | $1,160 | $28 | 2.5% |
Oregon | $1,038 | -$94 | -8.3% |
Pennsylvania | $1,080 | -$52 | -4.6% |
Rhode Island | $1,510 | $378 | 33.4% |
South Carolina | $1,028 | -$104 | -9.2% |
South Dakota | $956 | -$176 | -15.5% |
Tennessee | $990 | -$142 | -12.5% |
Texas | $1,366 | $234 | 20.7% |
Utah | $838 | -$294 | -26.0% |
Vermont | $774 | -$358 | -31.6% |
Virginia | $678 | -$454 | -40.1% |
Washington | $874 | -$258 | -22.8% |
West Virginia | $1,038 | -$94 | -8.3% |
Wisconsin | $784 | -$348 | -30.7% |
Wyoming | $1,008 | -$124 | -11.0% |
Opting for high physical damage deductibles can reduce rates by up to $410 annually, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $345 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Kia Sedona | $1,098 | $92 |
Kia Sedona LX | $1,132 | $94 |
Kia Sedona EX | $1,204 | $100 |
Rates assume 2018 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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2018 Kia Sedona | $238 | $374 | $384 | $1,132 |
2017 Kia Sedona | $230 | $352 | $388 | $1,106 |
2014 Kia Sedona | $198 | $272 | $394 | $1,000 |
2008 Kia Sedona | $148 | $160 | $398 | $842 |
2007 Kia Sedona | $146 | $156 | $390 | $828 |
2006 Kia Sedona | $144 | $150 | $384 | $814 |
2005 Kia Sedona | $132 | $142 | $380 | $790 |
Rates are averaged for all Kia Sedona models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find More Affordable Kia Sedona Insurance
Finding cheaper rates on insurance for a Kia Sedona consists of avoiding accidents and claims, maintaining a good credit score, being claim-free, and possibly raising deductibles. Comparison shop every year by getting quotes from direct insurance companies, and also from insurance agencies where you live.
The points below are a summary of the coverage data covered above.
- It is possible to save up to $130 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles can save approximately $400 each year
- Drivers under the age of 20 are expensive to insure, possibly costing $356 each month if the policy includes full coverage
- Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,310 more every year to insure a Kia Sedona
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,272 |
20 | $2,590 |
30 | $1,174 |
40 | $1,132 |
50 | $1,036 |
60 | $1,016 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,400 |
$250 | $1,278 |
$500 | $1,132 |
$1,000 | $994 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,132 |
50/100 | $1,281 |
100/300 | $1,377 |
250/500 | $1,626 |
100 CSL | $1,319 |
300 CSL | $1,530 |
500 CSL | $1,684 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,082 |
20 | $4,120 |
30 | $2,484 |
40 | $2,440 |
50 | $2,324 |
60 | $2,304 |
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.
Discount | Savings |
---|---|
Multi-policy | $60 |
Multi-vehicle | $59 |
Homeowner | $18 |
5-yr Accident Free | $79 |
5-yr Claim Free | $73 |
Paid in Full/EFT | $49 |
Advance Quote | $54 |
Online Quote | $80 |
Total Discounts | $472 |
Discounts are estimated and may not be available from every company or in every state.
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