Kia Sedona Insurance Rates

Average insurance prices for a Kia Sedona are $868 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $152 a year, collision costs $178, and liability coverage is estimated at $402. A policy with just liability insurance costs approximately $446 a year, with coverage for high-risk drivers costing $1,860 or more. Teens receive the highest rates at $3,464 a year or more.

Average premium for full coverage: $868

Rate estimates broken down by individual coverage type:

Price estimates include $500 deductible amounts, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and Sedona trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on the price of insurance. More rural locations tend to have more infrequent physical damage claims than cities with more traffic congestion.

The diagram below illustrates how location helps determine insurance prices.

These examples illustrate why it is important to get quotes for a targeted area and their own driving history, rather than using averaged prices.

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

Rates by State, City, and Model

The chart below illustrates estimated Kia Sedona insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $530
• Choosing higher $1,000 deductibles can save approximately $794 each year
• The average price for a 40-year-old driver who has $500 deductibles is $868
• Selecting low $100 deductibles for comp and collision coverage costs an extra $144 each year
• Drivers with serious driving violations could pay up to $1,860 or more
• The cost to insure a teenage driver can cost as much as $3,464 each year

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $220 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $800 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay at least $3,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying $1,000 to $1,500 additional per year, depending on your age. A high-risk auto insurance policy ranges around 43% to 128% more than the average policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Kia Sedona insurance rates. A good driver about age 40 could pay as low as $570 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,170 on average in Florida, New York, and Michigan.

View Chart as Image

With so much variability in rates, the only way to figure out which company is cheapest is to get quotes and see how they stack up. Each auto insurer calculates rates differently, and rates can be significantly 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 Cheaper Kia Sedona Insurance

Saving money on auto insurance takes having a good driving record, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest time comparing rates at every policy renewal by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The next list is a condensed summary of the data covered in the charts and tables above.

• Consumers who want increased levels of liability coverage will pay approximately $440 annually to raise limits from a minimum limit to a 250/500 level
• It is possible to save approximately $100 per year simply by quoting early and online
• Increasing deductibles could save as much as $225 each year
• Drivers age 20 and younger are expensive to insure, costing up to $289 per month if full coverage is included