Kia Sedona Insurance Rates

U.S. average insurance rates for a Kia Sedona are $896 a year with full coverage. Comprehensive costs approximately $162, collision costs $196, and liability coverage is estimated at $402. Buying just liability costs approximately $446 a year, with insurance for high-risk drivers costing around $1,922. Teenage drivers pay the highest rates at $3,550 a year or more.

Average premium for full coverage: $896

Price estimates by individual coverage:

Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all Sedona models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of insurance. Rural locations have a lower frequency of collision claims than densely populated cities.

The example below illustrates the difference location can make on auto insurance prices.

The ranges above demonstrate why everyone should get quotes using their specific location and risk profile, rather than using average rates.

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

Rate Comparisons

The chart below details estimated Kia Sedona insurance rates for additional coverage and risk scenarios.

• The best discount rate is $543
• Choosing higher $1,000 deductibles can save $80 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $896
• Using pricier low deductibles for comp and collision coverage will increase the cost to $1,050
• Drivers who are prone to accidents and violations could pay around $1,922 or more
• The price for full coverage for a teenage driver for full coverage can cost $3,550 each year

View Chart as Image

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

A more mature driver with no violations or accidents and high deductibles may only pay around $900 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $3,500 a year. View Rates by Age

The state you live in plays a big part in determining prices for Kia Sedona insurance rates. A good driver about age 40 could pay as low as $650 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,210 on average in New York, Michigan, and Florida.

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Using high physical damage deductibles can save as much as $240 a year, whereas buying more liability protection will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,100 to $1,500 additional each year, depending on your age. Kia Sedona insurance for high-risk drivers ranges around 42% to 136% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices and see how they stack up. Each auto insurer uses a different method to calculate prices, and prices may be quite different from one company to the next.

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 Find Low Cost Kia Sedona Insurance

Getting lower rates on auto insurance takes avoiding accidents and violations, having a good credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates at least every other year by getting rate quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The list below is a review of the car insurance concepts touched on in this article.

• Drivers who have several accidents or serious violations pay on average $1,030 more per year for car insurance
• You may be able to save around $100 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $225 each year
• Consumers who purchase higher liability limits will pay an extra $440 every year to raise limits from a low limit to 250/500 limits