Kia Sedona Insurance Rates
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UPDATED: Jun 6, 2023
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U.S. average insurance prices for a Kia Sedona are $1,132 every 12 months including full coverage. Comprehensive costs an estimated $238, collision costs $374, and liability coverage is estimated at $384. Liability-only coverage costs approximately $432 a year, with high-risk coverage costing around $2,440. Teens pay the highest rates at $4,272 a year or more.
Average premium for full coverage: $1,132
Price estimates broken down by individual coverage:
These estimates include $500 physical damage deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Sedona models.
Price Range from Low to High
For the normal driver, Kia Sedona insurance prices go from the cheapest price of $432 for your basic liability-only policy to the much higher price of $2,440 for a driver required to buy high-risk insurance.
Geographic Price Range
Living in a larger city has a large influence on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than cities with more traffic congestion.
The example below illustrates how geographic area affects insurance prices.
The ranges above highlight why everyone should 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.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below breaks down estimated Kia Sedona insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $660
- Choosing higher $1,000 deductibles can save approximately $138 every year
- The average price for the average middle-age driver who has $500 deductibles is $1,132
- Selecting pricier low deductibles for comp and collision coverage increases the price to $1,400
- Drivers with serious driving violations could pay up to $2,440 or more
- The price to insure a teenage driver for full coverage can cost as much as $4,272 each year
Auto insurance prices for a Kia Sedona are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles can save as much as $410 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $345 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may only pay around $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay at least $4,200 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying $1,300 to $1,900 in extra premium each year, depending on your age. Kia Sedona insurance for high-risk drivers ranges around 44% to 128% more than the average policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Kia Sedona insurance rates. A good driver about age 40 could pay as low as $870 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,620 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,022 | -$110 | -9.7% |
| Alaska | $868 | -$264 | -23.3% |
| Arizona | $938 | -$194 | -17.1% |
| Arkansas | $1,132 | -$0 | 0.0% |
| California | $1,292 | $160 | 14.1% |
| Colorado | $1,080 | -$52 | -4.6% |
| Connecticut | $1,164 | $32 | 2.8% |
| Delaware | $1,280 | $148 | 13.1% |
| Florida | $1,414 | $282 | 24.9% |
| Georgia | $1,046 | -$86 | -7.6% |
| Hawaii | $816 | -$316 | -27.9% |
| Idaho | $768 | -$364 | -32.2% |
| Illinois | $844 | -$288 | -25.4% |
| Indiana | $854 | -$278 | -24.6% |
| Iowa | $766 | -$366 | -32.3% |
| Kansas | $1,074 | -$58 | -5.1% |
| Kentucky | $1,546 | $414 | 36.6% |
| Louisiana | $1,676 | $544 | 48.1% |
| Maine | $700 | -$432 | -38.2% |
| Maryland | $934 | -$198 | -17.5% |
| Massachusetts | $902 | -$230 | -20.3% |
| Michigan | $1,964 | $832 | 73.5% |
| Minnesota | $950 | -$182 | -16.1% |
| Mississippi | $1,356 | $224 | 19.8% |
| Missouri | $1,004 | -$128 | -11.3% |
| Montana | $1,214 | $82 | 7.2% |
| Nebraska | $892 | -$240 | -21.2% |
| Nevada | $1,358 | $226 | 20.0% |
| New Hampshire | $816 | -$316 | -27.9% |
| New Jersey | $1,264 | $132 | 11.7% |
| New Mexico | $1,002 | -$130 | -11.5% |
| New York | $1,192 | $60 | 5.3% |
| North Carolina | $652 | -$480 | -42.4% |
| North Dakota | $928 | -$204 | -18.0% |
| Ohio | $778 | -$354 | -31.3% |
| Oklahoma | $1,160 | $28 | 2.5% |
| Oregon | $1,038 | -$94 | -8.3% |
| Pennsylvania | $1,080 | -$52 | -4.6% |
| Rhode Island | $1,510 | $378 | 33.4% |
| South Carolina | $1,028 | -$104 | -9.2% |
| South Dakota | $956 | -$176 | -15.5% |
| Tennessee | $990 | -$142 | -12.5% |
| Texas | $1,366 | $234 | 20.7% |
| Utah | $838 | -$294 | -26.0% |
| Vermont | $774 | -$358 | -31.6% |
| Virginia | $678 | -$454 | -40.1% |
| Washington | $874 | -$258 | -22.8% |
| West Virginia | $1,038 | -$94 | -8.3% |
| Wisconsin | $784 | -$348 | -30.7% |
| Wyoming | $1,008 | -$124 | -11.0% |
Since prices can be so different, the best way to figure out which car insurance is cheapest is to regularly compare prices and see how they stack up. Each auto insurer calculates prices differently, and quoted prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Kia Sedona | $1,098 | $92 |
| Kia Sedona LX | $1,132 | $94 |
| Kia Sedona EX | $1,204 | $100 |
Rates assume 2018 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Kia Sedona | $238 | $374 | $384 | $1,132 |
| 2017 Kia Sedona | $230 | $352 | $388 | $1,106 |
| 2014 Kia Sedona | $198 | $272 | $394 | $1,000 |
| 2008 Kia Sedona | $148 | $160 | $398 | $842 |
| 2007 Kia Sedona | $146 | $156 | $390 | $828 |
| 2006 Kia Sedona | $144 | $150 | $384 | $814 |
| 2005 Kia Sedona | $132 | $142 | $380 | $790 |
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 Shop for Cheap Kia Sedona Insurance
Getting lower rates on auto insurance takes being a safe and courteous driver, having a good credit score, being claim-free, and qualifying for all possible discounts. Invest the time to compare rates at every policy renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
Below is a brief summary of the data presented in the illustrations above.
- Consumers who want higher levels of liability will pay approximately $420 per year to raise limits from a low limit to a 250/500 level
- You may be able to save approximately $130 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $400 each year
- Teenage drivers are the costliest to insure, possibly costing $356 a month if comprehensive and collision insurance is included
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,400 |
| $250 | $1,278 |
| $500 | $1,132 |
| $1,000 | $994 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,132 |
| 50/100 | $1,281 |
| 100/300 | $1,377 |
| 250/500 | $1,626 |
| 100 CSL | $1,319 |
| 300 CSL | $1,530 |
| 500 CSL | $1,684 |
Full coverage, driver age 40
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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