1. Vehicles
  2. Kia
  3. Sedona
  4. 2015 Model Year

2015 Kia Sedona Insurance Rates

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

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Mar 17, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a 2015 Kia Sedona are $1,132 a year including full coverage. Comprehensive costs around $238, collision costs $374, and liability coverage costs $384. Buying a liability-only policy costs as little as $432 a year, with high-risk insurance costing around $2,440. Teenage drivers receive the highest rates at $4,272 a year or more.

Annual premium for full coverage: $1,132

Rate estimates for 2015 Kia Sedona Insurance

Comprehensive $238
Collision $374
Liability $384

Rate data is compiled from all 50 U.S. states and averaged for all 2015 Kia Sedona models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from as low as $432 for just liability insurance to the much higher price of $2,440 for high-risk insurance.

Liability Only $432
Full Coverage $1,132
High Risk $2,440

View Chart as Image

2015 Kia Sedona insurance rates compared
Column chart showing 2015 Kia Sedona insurance prices range from $660 to $4,272 for full coverage

These differences highlight why everyone should compare rates for a specific zip code and risk profile, rather than using average rates.

Use the form below to get rates for your location.

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

Recommended Companies for Cheap 2015 Kia Sedona Insurance

Searching Companies

If shopping for car insurance online is new to you, it’s easy to get overwhelmed by the large number of online car insurance companies and websites competing for business.

Consumers should take time to compare prices before your policy renews because insurance rates fluctuate regularly. Despite the fact that you may have had the lowest price for Sedona coverage a few years ago you can probably find a lower rate today. Block out anything you think you know about car insurance because we’re going to demonstrate one of the easiest ways to find the best coverage while lowering your premiums.

These discounts can slash car insurance rates

Insuring your fleet can be pricey, but you can get discounts that you may not know about. Certain discounts will be triggered automatically when you complete an application, but a few must be manually applied before you get the savings.

  • Auto/Home Discount – When you have multiple policies with the same company you may earn up to 20% off your total premium.
  • Homeowners Discount – Owning a home may trigger a car insurance policy discount because owning a home is proof that your finances are in order.
  • E-sign – Some insurance companies will give a small break for buying a policy and signing up over the internet.
  • Military Rewards – Being on active duty in the military could mean lower rates.
  • Early Switch Discount – Some companies give discounts for switching to them prior to your current policy expiring. It’s a savings of about 10%.
  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class in school.
  • Multiple Vehicles – Insuring multiple vehicles on one policy can get a discount on all vehicles.
  • Student in College – Youth drivers who are attending college without a vehicle on campus can receive lower rates.
  • New Car Discount – Putting insurance coverage on a new car is cheaper since new cars are generally safer.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% for Sedona coverage depending on your company.

Keep in mind that most discount credits are not given to the entire cost. Most only apply to the price of certain insurance coverages like medical payments or collision. Even though it may seem like it’s possible to get free car insurance, car insurance companies aren’t that generous. But any discount will help reduce the amount you have to pay.

Companies that possibly offer these discounts are:

Check with each company which discounts they offer. All car insurance discounts might not apply in every state.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

When might I need the advice of an agent?

When choosing the right insurance coverage, there is no best way to insure your cars. Every situation is different.

Here are some questions about coverages that may help highlight whether you might need an agent’s assistance.

  • Is motorclub coverage worth it?
  • When can my company non-renew my policy?
  • Where can I get insurance after a DUI in my state?
  • Is my camper covered by my car insurance policy?
  • Are my friends covered when driving my car?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I covered when driving in Canada or Mexico?
  • When should I remove comp and collision on my 2015 Kia Sedona?
  • Should I buy only the required minimum liability coverage?
  • Can my babysitter drive my car?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form.

Save $464 a year. For real?

Companies like 21st Century, Allstate and State Farm constantly bombard you with ads on television and other media. All the ads say the same thing about savings if you switch your policy. How can each company make the same claim? It’s all in the numbers.

Insurance companies are able to cherry pick for the right customer that makes them money. An example of a driver they prefer could possibly be a mature driver, is a homeowner, and drives less than 7,500 miles a year. A customer who meets those qualifications will qualify for the lowest rates and as a result will probably save when they switch companies.

Potential customers who don’t qualify for the “perfect” profile will be charged higher prices and this can result in the driver buying from a lower-cost company. The ads say “customers that switch” not “everybody who quotes” save money. This is how insurance companies can advertise the savings.

That is why drivers must get quotes from several different companies. It’s just too difficult to predict which company will give you the biggest savings on Kia Sedona insurance.

Insurance coverage breakdown

Learning about specific coverages of your policy can be of help when determining the best coverages for your vehicles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverage

Liability coverage provides protection from damage or injury you incur to people or other property that is your fault. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like funeral expenses, repair costs for stationary objects, court costs, medical services and structural damage. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as ambulance fees, rehabilitation expenses and pain medications. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from getting keyed, vandalism and theft. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision protection

Collision insurance will pay to fix damage to your Sedona caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as damaging your car on a curb, rolling your car, backing into a parked car, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Better coverage you can count on

You just learned a lot of ways to compare 2015 Kia Sedona insurance prices online. The key concept to understand is the more you quote, the higher your chance of finding lower rates. Consumers may even find the best price on auto insurance is with the least-expected company.

Insureds who switch companies do it for a variety of reasons including not issuing a premium refund, poor customer service, delays in responding to claim requests or even high prices. Whatever your reason, switching auto insurance companies is easier than you think.

When you buy insurance online, it’s a bad idea to buy less coverage just to save a little money. There are a lot of situations where an insured dropped uninsured motorist or liability limits and learned later they didn’t purchase enough coverage. Your strategy should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

Other articles

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2015 Kia Sedona Insurance Rates by City
City Premium
New York City, NY $1,788
Los Angeles, CA $1,938
Philadelphia, PA $1,512
Jacksonville, FL $1,640
Phoenix, AZ $1,313
Chicago, IL $1,519
Houston, TX $1,776
Seattle, WA $1,101
Columbus, OH $941
Indianapolis, IN $965

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2015 Kia Sedona Insurance Rates by Driver Age
Driver Age Premium
16 $4,272
20 $2,590
30 $1,174
40 $1,132
50 $1,036
60 $1,016

Full coverage, $500 deductibles

Rates by Deductible

2015 Kia Sedona Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,400
$250 $1,278
$500 $1,132
$1,000 $994

Full coverage, driver age 40

Rates by Liability Limit

Kia Sedona Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,132
50/100 $1,209
100/300 $1,305
250/500 $1,554
100 CSL $1,247
300 CSL $1,458
500 CSL $1,612

Full coverage, driver age 40

Rates for High Risk Drivers

2015 Kia Sedona Insurance Rates for High Risk Drivers
Age Premium
16 $6,082
20 $4,120
30 $2,484
40 $2,440
50 $2,324
60 $2,304

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 $155

Potential Rate Discounts

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

Discount Savings
Multi-policy $60
Multi-vehicle $59
Homeowner $18
5-yr Accident Free $79
5-yr Claim Free $73
Paid in Full/EFT $49
Advance Quote $54
Online Quote $80
Total Discounts $472
Rate after discounts $660

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

Find companies with the cheapest rates in your area

2015 Kia Sedona Insurance Rates by State
State Premium
Alabama $1,022
Alaska $868
Arizona $938
Arkansas $1,132
California $1,292
Colorado $1,080
Connecticut $1,164
Delaware $1,280
Florida $1,414
Georgia $1,046
Hawaii $816
Idaho $768
Illinois $844
Indiana $854
Iowa $766
Kansas $1,074
Kentucky $1,546
Louisiana $1,676
Maine $700
Maryland $934
Massachusetts $902
Michigan $1,964
Minnesota $950
Mississippi $1,356
Missouri $1,004
Montana $1,214
Nebraska $892
Nevada $1,358
New Hampshire $816
New Jersey $1,264
New Mexico $1,002
New York $1,192
North Carolina $652
North Dakota $928
Ohio $778
Oklahoma $1,160
Oregon $1,038
Pennsylvania $1,080
Rhode Island $1,510
South Carolina $1,028
South Dakota $956
Tennessee $990
Texas $1,366
Utah $838
Vermont $774
Virginia $678
Washington $874
West Virginia $1,038
Wisconsin $784
Wyoming $1,008

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles