Kia Sedona Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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:

Comprehensive $238
Collision $374
Liability $384

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.

Liability Only $432
Full Coverage $1,132
High Risk $2,440

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.

Rural Areas $849
Small Cities $1,189
Large Cities $1,528

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

View Chart as Image

Kia Sedona insurance cost comparison chart
Column chart showing Kia Sedona insurance prices range from $660 to $4,272 for full coverage

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.

Kia Sedona Insurance Rates by State
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%

View Chart as Image

Kia Sedona insurance rates by U.S. city

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

Kia Sedona Insurance Rates by Model and Trim Level
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.

Kia Sedona Insurance Rates by Model Year
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

Rates by Driver Age

Kia Sedona Insurance 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

Kia Sedona Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,400
$250 $1,278
$500 $1,132
$1,000 $994

Full coverage, driver age 40

Rates by Liability Limit

Kia Sedona Insurance Rates with Different Liability Limits
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

Kia Sedona Insurance 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.

SR-22 Surcharge $155

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
Rate after discounts $660

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

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