Kia Sedona Insurance Rates

The average insurance rates for a Kia Sedona are $868 a year for full coverage insurance. Comprehensive insurance costs around $152, collision costs $178, and liability insurance costs $402. Buying just liability costs as little as $446 a year, with insurance for high-risk drivers costing $1,860 or more. Teenage drivers cost the most to insure at $3,464 a year or more.

Average premium for full coverage: $868

Policy rates for type of insurance:

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for different Sedona trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than densely populated cities.

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

The examples above illustrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than relying on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $530
• Drivers who choose higher $1,000 deductibles will pay about $74 each year
• The average rate for a good driver age 40 using $500 deductibles is $868
• Using more expensive low deductibles for comprehensive and collision insurance will cost an extra $144 a year
• High risk drivers who are prone to accidents and violations could pay at least $1,860 or more
• Policy cost for full coverage for a teen driver with full coverage can be $3,464 a year

View Chart as Image

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

An older driver with a clean driving record and high deductibles could pay as little as $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $3,400 a year. View Rates by Age

Your home state makes a big difference in Kia Sedona insurance rates. A 40-year-old driver could pay as low as $570 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,170 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $220 each year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $362 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,000 to $1,500 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 128% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out your exact price is to compare rates from as many companies as possible. Every company uses a different method to calculate rates, so the rates will be varied 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 Cheap Kia Sedona Insurance

Finding cheaper rates on Kia Sedona insurance not only requires being safe and accident-free, but also maintaining good credit, being claim-free, and insuring your home and auto with the same company. Make time to compare rates every year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a brief summary of the coverage data touched on in this article.

• It is possible to save up to $100 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $225 each year
• Youthful drivers pay higher rates, possibly costing $289 each month for full coverage
• High-risk drivers that tend to have accidents or serious violations may pay on average $990 more every year than a low-risk driver