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 for full coverage insurance. Comprehensive insurance costs around $162, collision insurance costs $196, and liability insurance costs $402. Liability-only insurance costs as little as $446 a year, and high-risk driver insurance costs $1,922 or more. Teenage drivers cost the most to insure at up to $3,550 a year.

Average premium for full coverage: $896

Policy rates for type of insurance:

Comprehensive $162
Collision $196
Liability $402

Prices include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for all Sedona models.

Price Range Variability

For the average driver, Kia Sedona insurance rates range from the low end price of $446 for just liability coverage to the much higher price of $1,922 for a driver who requires high-risk insurance.

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

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than densely populated cities. The example below illustrates how location impacts auto insurance rates.

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

The examples above illustrate why everyone should compare rates for a specific zip code, rather than relying on average rates.

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.

Detailed Rate Analysis

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

  • The best discount rate is $543
  • Drivers who choose higher $1,000 deductibles will pay about $80 each year
  • The estimated price for a good driver age 40 using $500 deductibles is $896
  • Using pricier low deductibles for comprehensive and collision insurance will cost an additional $154 a year
  • High risk drivers who are prone to accidents and violations could pay at least $1,922
  • Policy cost that insures a teen driver for full coverage can be $3,550 a year

View Chart as Image

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

Auto insurance rates for a Kia Sedona also range considerably based on the model of your Sedona, your age and driving record, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,100 to $1,500 in extra premium every year, depending on your age. Kia Sedona insurance for high-risk drivers can cost anywhere from 42% to 136% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $3,500 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 $590 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,210 on average in Michigan, New York, 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

Using high physical damage deductibles could save up to $240 each year, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 extra every year. View Rates by Deductible or Liability Limit

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 Kia Sedona insurance not only requires being safe and accident-free, but also maintaining a good credit score, being claim-free, and possibly raising deductibles. Compare prices at every other renewal by requesting quotes from direct insurance companies, and also from insurance agencies where you live.

Below you'll find a quick rundown of the concepts that were touched on above.

  • High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,030 more every year than a low-risk driver
  • Youthful drivers are expensive to insure, possibly costing $296 each month if the policy includes full coverage
  • It is possible to save up to $100 per year just by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles can save approximately $225 each year
  • It is possible to save up to $100 per year just by quoting online well ahead of the renewal date

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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