Kia Sedona Insurance Rates

Average insurance rates for a Kia Sedona are $868 a year with full coverage. Comprehensive costs on average $152 each year, collision costs $178, and liability is estimated at $402. A policy with just liability insurance costs approximately $446 a year, with coverage for high-risk drivers costing around $1,860. Teenage drivers receive the highest rates at $3,464 a year or more.

Average premium for full coverage: $868

Rate estimates by individual coverage type:

Rate estimates include $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and Sedona models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than densely populated cities.

The graphic below illustrates the difference location can make on car insurance rates.

These examples demonstrate why all drivers should get quotes based on a specific location and risk profile, instead of making a decision based on average rates.

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

Additional Charts and Tables

The chart below details estimated Kia Sedona insurance rates for different risk profiles and scenarios.

• The best discount rate is $530
• Choosing higher $1,000 deductibles can save around $74 annually
• The average rate for a 40-year-old driver with $500 deductibles is $868
• Using low deductibles for comp and collision coverage will increase the cost to $1,012
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $1,860 or more
• The cost for full coverage for a 16-year-old driver may cost $3,464 each year

View Chart as Image

Insurance rates for a Kia Sedona can also vary considerably based on your driver profile, the trim level and model year, and policy deductibles and limits.

More mature drivers with no violations or accidents and high deductibles may pay as low as $800 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay upwards of $3,400 a year. View Rates by Age

Where you live plays a big part in determining prices for Kia Sedona insurance prices. A good driver about age 40 could pay as low as $630 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,170 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $220 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,000 to $1,500 additional per year, depending on your age. Insurance for high-risk drivers ranges from 43% to 128% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out exactly what you will pay is to do a rate comparison from multiple companies. Each auto insurer uses a different method to calculate rates, and rates can be significantly 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 the Best Kia Sedona Insurance

Saving money on insurance for a Kia Sedona takes being a good driver, having a good credit history, eliminating unnecessary coverage, and insuring your home and auto with the same company. Make time to compare rates every couple of years by quoting rates from direct companies like GEICO and Progressive, and also from local insurance agents.

The following list is a brief recap of the material that was touched on in this article.

• Insureds who require an increased level of liability coverage will pay an extra $440 every year to raise limits from a minimum limit to 250/500 limits
• Drivers age 16 to 20 pay higher rates, with premiums as much as $289 per month including comprehensive and collision insurance
• Drivers considered higher risk who tend to receive serious violations may be required to pay an average of $990 more each year than a safer driver
• Increasing deductibles can save around $225 each year