Kia Sedona Insurance Rates

The average insurance prices for a Kia Sedona are $868 every 12 months for full coverage. Comprehensive insurance costs approximately $152 a year, collision insurance costs $178, and liability insurance is estimated at $402. Liability-only coverage costs approximately $446 a year, and high-risk coverage costs $1,860 or more. Teenage drivers cost the most to insure at up to $3,464 a year.

Average premium for full coverage: $868

Policy rates by type of insurance:

Prices include $500 physical damage deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and Sedona trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Rural locations are shown to have more infrequent accident claims than densely populated cities. The diagram below illustrates the difference location can make on auto insurance prices.

The examples above show why it is important to get quotes using their specific location and their own driving history, rather than relying on average rates.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below shows average Kia Sedona insurance rates for additional coverage and risk scenarios.

• The best discount rate is $530
• Choosing higher $1,000 deductibles can save $794 a year
• The average price for a good driver age 40 who chooses $500 deductibles is $868
• Using low $100 deductibles for comp and collision coverage costs an extra $144 a year
• High-risk insureds who are prone to accidents and violations could pay around $1,860
• Policy cost to insure a teen driver can cost $3,464 each year

View Chart as Image

Insurance rates for a Kia Sedona also range considerably based on liability limits and deductibles, your driver profile, and the model of your Sedona.

Using high physical damage deductibles can save as much as $220 each year, while buying higher liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles could pay as little as $800 annually on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $3,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,000 to $1,500 additional every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 128% more than a normal policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Kia Sedona insurance rates. A good driver about age 40 could pay as low as $570 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,240 on average in New York, Louisiana, and Michigan.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2011 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.

How to Shop for the Right Kia Sedona Insurance

Finding cheaper rates on Kia Sedona insurance takes being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Make time to compare rates every time your policy renews by getting quotes from direct carriers, and also from your local independent and exclusive agents.

Below is a quick rundown of the information touched on in this article.

• Drivers can save around $100 per year just by quoting early and online
• Teenage drivers are the costliest to insure, costing up to $289 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save as much as $225 each year
• High-risk drivers with reckless driving or DUI convictions may pay on average $990 more per year for auto insurance
• Drivers who purchase higher levels of liability will pay an extra $440 each year to raise limits from a 30/60 limit to a 250/500 level