Kia Sedona Insurance Rates
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UPDATED: Jun 6, 2023
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Estimated insurance rates for a Kia Sedona are $1,132 a year for full coverage insurance. Comprehensive costs an estimated $238 a year, collision insurance costs $374, and liability coverage is $384. A liability-only policy costs around $432 a year, and high-risk insurance costs around $2,440. Teens pay the most at up to $4,272 a year.
Average premium for full coverage: $1,132
Premium estimates broken down by type of coverage:
Rates are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and Sedona trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Kia Sedona range from the low end price of $432 for minimum levels of liability insurance to a high of $2,440 for a high-risk insurance policy.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects insurance prices.
These rate differences illustrate why it is important to compare rates quotes for a targeted area, 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.
Additional Rate Details
The chart below illustrates average Kia Sedona insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $660
- Raising to $1,000 deductibles will save approximately $994 each year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,132
- Selecting low $100 deductibles bumps up the cost to $1,400
- Unlucky drivers with serious driving violations could pay up to $2,440
- An auto insurance policy that insures a teenage driver can cost as much as $4,272
Auto insurance prices for a Kia Sedona also have a wide range based on the trim level of your Sedona, your age and driving record, and liability limits and deductibles.
If you have a few violations or you caused an accident, you are probably paying $1,300 to $1,900 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 128% more than the average policy. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay at least $4,200 a year. View Rates by Age
Where you choose to live also has a big influence on Kia Sedona insurance rates. A middle-age driver might find prices as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,530 on average in Florida, 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $410 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $345 extra every year. View Rates by Deductible or Liability Limit
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 Find the Best Cheap Kia Sedona Insurance
Finding better rates on auto insurance consists of having a decent driving record, maintaining a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Compare rates at least every other year by getting quotes from direct insurance companies, and also from local insurance agencies.
The following items are a quick review of the car insurance concepts presented in the illustrations above.
- Drivers with a DUI or reckless driving violation may have to pay on average $1,310 more annually than a driver with a clean driving record
- It is possible to save approximately $130 per year just by quoting early and online
- Increasing policy deductibles can save approximately $400 each year
- Consumers who want additional liability coverage will pay approximately $420 annually to raise from 30/60 bodily injury limits to the 250/500 level
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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