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2018 Kia Sedona Insurance Rates

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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 ...

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UPDATED: Nov 19, 2019

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Average insurance rates for a 2018 Kia Sedona are $1,198 a year with full coverage. Comprehensive insurance costs an estimated $272 a year, collision costs $436, and liability insurance costs $354. Buying a liability-only policy costs as little as $406 a year, with high-risk insurance costing $2,576 or more. Teen drivers receive the highest rates at $4,426 a year or more.

Annual premium for full coverage: $1,198

Rate estimates for 2018 Kia Sedona Insurance

Comprehensive $272
Collision $436
Liability $354

Rate data is compiled from all 50 U.S. states and averaged for all 2018 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 $406 for the bare minimum liability coverage to a high of $2,576 for high-risk insurance.

Liability Only $406
Full Coverage $1,198
High Risk $2,576

View Chart as Image

2018 Kia Sedona insurance rates compared
Column chart showing 2018 Kia Sedona insurance prices range from $694 to $4,426 for full coverage

These differences demonstrate why it is important for drivers to compare rates for a targeted area and risk profile, rather than relying on price averages.

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 2018 Kia Sedona Insurance

Searching Companies

Looking for lower car insurance rates for your Kia Sedona? Did you make the mistake of buying an underperforming, overpriced car insurance policy? Believe me when I say you’re not alone. With so many options when it comes to car insurance, it’s nearly impossible to choose the most cost effective company.

Insurance coverage discounts help slash rates

Insurance coverage is not an enjoyable expense, but you may qualify for discounts that can help lower your rates. Many of these discounts will be applied automatically when you get a quote, but some need to be inquired about before you will receive the discount. If they aren’t giving you every credit you qualify for, it’s possible you qualify for a lower rate.

  • Braking Control Discount – Cars and trucks equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Distant Student – Any of your kids who are attending college and do not have a car may be insured at a cheaper rate.
  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • Early Switch Discount – Select insurance coverage companies give a discount for buying a policy before your current coverage expires. It could save around 10% when you buy auto insurance online.
  • Accident Waiver – Not a discount per se, but companies like GEICO, Progressive, and Allstate will turn a blind eye to one accident without raising rates if your claims history is clear prior to being involved in the accident.
  • Theft Deterent – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen less frequently and earn discounts up to 10% off your auto insurance quote.
  • Passenger Safety Discount – Options like air bags can get savings of 25 to 30%.
  • 55 and Retired – Drivers over the age of 55 are able to get a discount up to 10% on Sedona coverage.
  • Student Discount for Driver Training – Require your teen driver to participate in a local driver’s education class if it’s offered in school.
  • No Accidents – Good drivers with no accidents have much lower rates when compared with drivers with a long claim history.

One last thing about discounts, most of the big mark downs will not be given to the entire policy premium. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

A few of the larger companies and their possible discounts can be found below.

  • State Farm discounts include Drive Safe & Save, defensive driving training, driver’s education, multiple autos, and good student.
  • GEICO may have discounts that include five-year accident-free, good student, military active duty, membership and employees, emergency military deployment, multi-vehicle, and multi-policy.
  • Liberty Mutual policyholders can earn discounts including teen driver discount, safety features, preferred payment discount, new vehicle discount, newly married, newly retired, and multi-car.
  • The Hartford offers discounts for bundle, defensive driver, vehicle fuel type, good student, and air bag.
  • MetLife has discounts for accident-free, claim-free, good driver, defensive driver, and good student.
  • Progressive includes discounts for multi-vehicle, good student, multi-policy, online quote discount, and continuous coverage.

It’s a good idea to ask each insurance company how many discounts you can get. Some discounts might not be offered in your area. To find providers who offer online insurance coverage quotes, follow this link.

Which is the best insurance?

When buying proper insurance coverage for your vehicles, there really is no “best” method to buy coverage. Each situation is unique and your policy should reflect that. These are some specific questions may help highlight if your insurance needs may require specific advice.

  • Does insurance cover damages from a DUI accident?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What can I do if my company denied a claim?
  • What is no-fault insurance?
  • Should I carry comprehensive and collision coverage?
  • What if I total my 2018 Kia Sedona and owe more than it’s worth?
  • If my pet gets injured in an accident are they covered?
  • What is roadside assistance coverage?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Auto insurance ads are enticing

Drivers can’t get away from all the ads that claim the cheapest prices from the likes of State Farm, Allstate and GEICO. They all advertise claims that you’ll save big just by switching your coverage.

How does every company charge less that you’re paying now? This is the trick they use.

Companies have a certain “appetite” for the type of insured that earns them the most money. For instance, a desirable insured could be between the ages of 40 and 55, has never had a policy lapse, and drives less than 7,500 miles a year. Someone that hits that “sweet spot” will get a cheap rate quote and therefore will pay quite a bit less when switching companies.

Insureds who do not fit the “perfect” profile will see a more expensive rate which usually ends up with business not being written. The trick companies use is to say “customers who switch” not “everybody who quotes” save that much when switching. That is how insurance companies can make claims that they all have the best premium rates.

Different companies use different criteria so it’s extremely important to compare many company’s premium rates. Because you never know which company will provide the lowest car insurance rates.

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Car insurance coverage information

Learning about specific coverages of a insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. These are the usual coverages found on the average insurance policy.

Auto collision coverage

This pays for damage to your Sedona resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like crashing into a ditch, crashing into a building, hitting a mailbox and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as funeral costs, nursing services, pain medications, prosthetic devices and doctor visits. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as theft, hitting a deer, fire damage, hitting a bird and a broken windshield. The maximum payout your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Kia Sedona.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability

This protects you from damage that occurs to people or other property that is your fault. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as repair bills for other people’s vehicles, attorney fees and structural damage. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Power to the consumer

More affordable insurance coverage can be bought from both online companies and from local agencies, and you need to price shop both so you have a total pricing picture. A few companies may not provide the ability to get a quote online and usually these small, regional companies only sell through independent insurance agents.

As you shop your coverage around, it’s a bad idea to reduce needed coverages to save money. There have been many cases where an insured dropped comprehensive coverage or liability limits only to discover later that the savings was not a smart move. The proper strategy is to find the BEST coverage at a price you can afford, not the least amount of coverage.

Use our FREE quote tool to compare insurance rates now!

More detailed insurance coverage information is available at these sites:

Rates by U.S. City

2018 Kia Sedona Insurance Rates by City
City Premium
New York City, NY $1,890
Los Angeles, CA $2,049
Philadelphia, PA $1,599
Jacksonville, FL $1,735
Phoenix, AZ $1,392
Chicago, IL $1,606
Houston, TX $1,877
Seattle, WA $1,167
Columbus, OH $999
Indianapolis, IN $1,022

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2018 Kia Sedona Insurance Rates by Driver Age
Driver Age Premium
16 $4,426
20 $2,736
30 $1,250
40 $1,198
50 $1,096
60 $1,074

Full coverage, $500 deductibles

Rates by Deductible

2018 Kia Sedona Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,508
$250 $1,366
$500 $1,198
$1,000 $1,036

Full coverage, driver age 40

Rates by Liability Limit

Kia Sedona Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,198
50/100 $1,269
100/300 $1,357
250/500 $1,587
100 CSL $1,304
300 CSL $1,499
500 CSL $1,641

Full coverage, driver age 40

Rates for High Risk Drivers

2018 Kia Sedona Insurance Rates for High Risk Drivers
Age Premium
16 $6,312
20 $4,350
30 $2,634
40 $2,576
50 $2,454
60 $2,430

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 $163

Potential Rate Discounts

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

Discount Savings
Multi-policy $64
Multi-vehicle $62
Homeowner $18
5-yr Accident Free $86
5-yr Claim Free $77
Paid in Full/EFT $54
Advance Quote $58
Online Quote $85
Total Discounts $504
Rate after discounts $694

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

Find companies with the cheapest rates in your area

2018 Kia Sedona Insurance Rates by State
State Premium
Alabama $1,082
Alaska $918
Arizona $994
Arkansas $1,198
California $1,366
Colorado $1,142
Connecticut $1,230
Delaware $1,354
Florida $1,496
Georgia $1,108
Hawaii $862
Idaho $812
Illinois $892
Indiana $904
Iowa $806
Kansas $1,136
Kentucky $1,634
Louisiana $1,772
Maine $740
Maryland $988
Massachusetts $954
Michigan $2,078
Minnesota $1,004
Mississippi $1,434
Missouri $1,064
Montana $1,286
Nebraska $942
Nevada $1,436
New Hampshire $862
New Jersey $1,340
New Mexico $1,058
New York $1,260
North Carolina $690
North Dakota $982
Ohio $826
Oklahoma $1,228
Oregon $1,098
Pennsylvania $1,142
Rhode Island $1,596
South Carolina $1,086
South Dakota $1,010
Tennessee $1,048
Texas $1,444
Utah $888
Vermont $818
Virginia $718
Washington $926
West Virginia $1,098
Wisconsin $826
Wyoming $1,064

Free Auto Insurance Comparison

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