Kia Sedona Insurance Rates

U.S. average insurance prices for a Kia Sedona are $868 every 12 months including full coverage. Comprehensive insurance costs around $152, collision costs $178, and liability costs around $402. Buying just liability costs as low as $446 a year, with insurance for high-risk drivers costing $1,860 or more. Teenage drivers pay the highest rates at $3,464 a year or more.

Average premium for full coverage: $868

Price estimates for individual coverage:

These estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for different Sedona trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than densely populated cities.

The price range example below illustrates the difference location can make on auto insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below breaks down estimated Kia Sedona insurance rates for additional coverage choices and driver risks.

• The best discount rate is $530
• Using higher $1,000 deductibles will save about $74 every year
• The average price for the average middle-age driver using $500 deductibles is $868
• Using more expensive low deductibles for physical damage coverage costs an extra $144 annually
• High-risk insureds who are prone to accidents and violations could pay at least $1,860 or more
• The price to insure a 16-year-old driver with full coverage can be $3,464 or more

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Insurance prices for a Kia Sedona are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level and model year.

Using high physical damage deductibles could cut prices by as much as $220 annually, while increasing your policy's liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $362 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as low as $800 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay as much as $3,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,000 to $1,500 additional each year, depending on your age. High-risk driver insurance can be from 43% to 128% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Kia Sedona insurance prices. A driver around age 40 might see prices as low as $670 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,240 on average in Michigan, New York, and Louisiana.

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Since prices can be so different, the best way to figure out your exact price is to compare prices from multiple companies. Each insurance company uses a different method to calculate prices, and prices may be quite different.

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 Cheap Kia Sedona Insurance

Getting lower rates on insurance for a Kia Sedona requires being a low-risk driver, having above-average credit, being claim-free, and taking advantage of discounts. Make time to compare rates every other policy renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The items below are a brief summary of the ideas that were touched on in this article.

• Teen drivers are charged the highest prices, possibly costing $289 a month if full coverage is included
• Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $990 more every year to insure their Sedona
• Increasing physical damage deductibles could save as much as $225 each year
• You may be able to save up to $100 per year simply by shopping early and online