Kia Sedona Insurance Rates

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:

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

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.

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.

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

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.

View Chart as Image

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

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 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