Kia Sedona Insurance Rates

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UPDATED: May 24, 2024

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The average insurance rates for a Kia Sedona are $896 a year with full coverage. Comprehensive costs approximately $162, collision insurance costs $196, and liability coverage is estimated at $402. A liability-only policy costs approximately $446 a year, and high-risk insurance costs around $1,922. Teens cost the most to insure at up to $3,550 a year.

Average premium for full coverage: $896

Policy rates by type of insurance:

Comprehensive $162
Collision $196
Liability $402

Prices include $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Sedona trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Kia Sedona insurance rates range from as low as $446 for basic liability insurance to a much higher rate of $1,922 for a driver that may need high-risk insurance.

Liability Only $446
Full Coverage $896
High Risk $1,922

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $672
Small Cities $941
Large Cities $1,210

The examples above demonstrate why anyone shopping for car insurance should get quotes using their specific location and risk profile, rather than using averaged prices.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rate Comparisons

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

  • The cheapest rate after discounts is $543
  • Choosing higher $1,000 deductibles can save $80 annually
  • The average rate for a good driver age 40 who chooses $500 deductibles is $896
  • Selecting more expensive low deductibles for comp and collision coverage will increase the cost to $1,050
  • Drivers with serious driving violations could pay around $1,922
  • Policy cost for full coverage for a teenage driver with full coverage can cost $3,550 each year

View Chart as Image

Kia Sedona insurance cost comparison chart
Column chart showing Kia Sedona insurance rates range from $543 to $3,550 for full coverage

Car insurance rates for a Kia Sedona also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

An older driver with no driving violations and high deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $3,500 a year. View Rates by Age

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 $650 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,210 on average in New York, Michigan, and Florida.

Kia Sedona Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $810 -$86 -9.6%
Alaska $686 -$210 -23.4%
Arizona $744 -$152 -17.0%
Arkansas $896 -$0 0.0%
California $1,022 $126 14.1%
Colorado $854 -$42 -4.7%
Connecticut $920 $24 2.7%
Delaware $1,012 $116 12.9%
Florida $1,118 $222 24.8%
Georgia $830 -$66 -7.4%
Hawaii $644 -$252 -28.1%
Idaho $608 -$288 -32.1%
Illinois $666 -$230 -25.7%
Indiana $676 -$220 -24.6%
Iowa $604 -$292 -32.6%
Kansas $850 -$46 -5.1%
Kentucky $1,222 $326 36.4%
Louisiana $1,326 $430 48.0%
Maine $554 -$342 -38.2%
Maryland $740 -$156 -17.4%
Massachusetts $716 -$180 -20.1%
Michigan $1,556 $660 73.7%
Minnesota $750 -$146 -16.3%
Mississippi $1,074 $178 19.9%
Missouri $794 -$102 -11.4%
Montana $962 $66 7.4%
Nebraska $704 -$192 -21.4%
Nevada $1,074 $178 19.9%
New Hampshire $646 -$250 -27.9%
New Jersey $1,004 $108 12.1%
New Mexico $792 -$104 -11.6%
New York $942 $46 5.1%
North Carolina $518 -$378 -42.2%
North Dakota $734 -$162 -18.1%
Ohio $618 -$278 -31.0%
Oklahoma $918 $22 2.5%
Oregon $820 -$76 -8.5%
Pennsylvania $854 -$42 -4.7%
Rhode Island $1,194 $298 33.3%
South Carolina $812 -$84 -9.4%
South Dakota $756 -$140 -15.6%
Tennessee $784 -$112 -12.5%
Texas $1,080 $184 20.5%
Utah $664 -$232 -25.9%
Vermont $610 -$286 -31.9%
Virginia $538 -$358 -40.0%
Washington $692 -$204 -22.8%
West Virginia $820 -$76 -8.5%
Wisconsin $618 -$278 -31.0%
Wyoming $796 -$100 -11.2%

View Chart as Image

Kia Sedona insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $240 a year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,100 to $1,500 extra every year, depending on your age. High-risk driver insurance ranges around 42% to 136% more than the average policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Kia Sedona Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Kia Sedona $878 $73
Kia Sedona LX $896 $75
Kia Sedona EX $936 $78

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.

Kia Sedona Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2021 Kia Sedona $262 $418 $364 $1,180
2020 Kia Sedona $248 $404 $376 $1,164
2019 Kia Sedona $238 $374 $384 $1,132
2018 Kia Sedona $230 $352 $388 $1,106
2017 Kia Sedona $220 $316 $390 $1,062
2016 Kia Sedona $206 $292 $390 $1,024
2015 Kia Sedona $198 $272 $394 $1,000
2014 Kia Sedona $194 $254 $402 $986
2012 Kia Sedona $174 $214 $406 $930
2011 Kia Sedona $162 $196 $402 $896
2010 Kia Sedona $152 $178 $402 $868
2008 Kia Sedona $146 $156 $390 $828
2007 Kia Sedona $144 $150 $384 $814
2006 Kia Sedona $132 $142 $380 $790
2005 Kia Sedona $126 $134 $376 $772

Rates are averaged for all Kia Sedona models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Right Kia Sedona Insurance

Finding cheaper rates on auto insurance takes being a good driver, having above-average credit, not filing small claims, and attention to physical damage deductibles. Set aside time to shop around once a year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a quick rundown of the data that was raised in the charts and tables above.

  • You may be able to save around $100 per year just by shopping early and online
  • Consumers who purchase an increased level of liability coverage will pay approximately $440 every year to raise limits from a 30/60 limit to 250/500 limits
  • Drivers age 16 to 20 pay the highest auto insurance rates, as much as $296 each month if full coverage is included
  • Drivers with reckless driving or DUI convictions pay on average $1,030 more per year than a safer driver

Rates by Driver Age

Kia Sedona Insurance Rates by Driver Age
Driver Age Premium
16 $3,550
20 $2,034
30 $914
40 $896
50 $824
60 $806

Full coverage, $500 deductibles

Rates by Deductible

Kia Sedona Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,050
$250 $982
$500 $896
$1,000 $816

Full coverage, driver age 40

Rates by Liability Limit

Kia Sedona Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $896
50/100 $1,016
100/300 $1,117
250/500 $1,378
100 CSL $1,057
300 CSL $1,278
500 CSL $1,439

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Sedona Insurance Rates for High Risk Drivers
Age Premium
16 $5,008
20 $3,238
30 $1,938
40 $1,922
50 $1,832
60 $1,814

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $118

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $46
Multi-vehicle $48
Homeowner $16
5-yr Accident Free $54
5-yr Claim Free $56
Paid in Full/EFT $33
Advance Quote $39
Online Quote $61
Total Discounts $353
Rate after discounts $543

Discounts are estimated and may not be available from every company or in every state.

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