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. Comprehensive costs approximately $162, collision insurance costs $196, and liability costs around $402. Liability-only insurance costs as low as $446 a year, and high-risk driver 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

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

Price Range Variability

For the average 40-year-old driver, Kia Sedona insurance rates range from the low end price of $446 for the bare minimum liability coverage to the much higher price of $1,922 for a policy for a high-risk driver.

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

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural locations are shown to have lower incidents of accident claims than cities with more traffic congestion. The example below illustrates the difference location can make on auto insurance prices.

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

The examples above show why everyone should compare prices using their specific location, instead of 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.

Additional Rate Information

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

  • The cheapest rate after discounts is $543
  • Using higher $1,000 deductibles will save $80 a year
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $896
  • Selecting pricier low deductibles for physical damage coverage bumps up the cost to $1,050
  • Drivers with serious driving violations could pay around $1,922
  • Policy cost that insures a teen driver for full coverage can cost $3,550 or more

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

Auto insurance rates for a Kia Sedona also range considerably based on the model of your Sedona, how you drive, and physical damage deductibles and liability limits.

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

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $3,500 a year. View Rates by Age

Your home state has a huge impact on Kia Sedona insurance prices. A driver around age 40 might see rates as low as $590 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,280 on average in New York, Louisiana, and Michigan.

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 could cut rates by as much as $240 every year, whereas buying more liability protection will push rates upward. Going 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 Cheapest Kia Sedona Insurance

Finding cheaper rates on car insurance requires being safe and accident-free, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Compare rates every year by getting rate quotes from direct carriers, and also from insurance agencies where you live.

Below you'll find a recap of the coverage data touched on in this article.

  • Drivers can save around $100 per year just by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles can save approximately $225 each year
  • Youthful drivers have the highest car insurance rates, costing up to $296 each month if the policy includes full coverage
  • Higher risk drivers that have major violations or accidents could be forced to pay on average $1,030 more per year than a low-risk 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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