Kia Sedona Insurance Rates

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Estimated auto insurance rates for a Kia Sedona are $1,190 annually including full coverage. Comprehensive insurance costs approximately $298 each year, collision costs $446, and liability insurance costs $310. A policy with only liability insurance costs as little as $370 a year, with a high-risk policy costing $2,534 or more. Teen drivers pay the most at $4,286 a year or more.

Annual premium for full coverage: $1,190

Premium estimates by individual coverage:

Comprehensive $298
Collision $446
Liability $310

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Kia Sedona Trim Level

For the average 40-year-old driver, insurance rates for a Kia Sedona go from as cheap as $370 for just liability coverage to a high rate of $2,534 for coverage for higher-risk drivers.

Liability Only $370
Full Coverage $1,190
High Risk $2,534

These rate differences highlight why all drivers should compare rates using their specific location and their own personal driving habits, 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.

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Car insurance rates for a Kia Sedona also have a wide range based on the replacement cost of your Sedona, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged in the ballpark of $4,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,400 to $1,900 extra annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $500 each year, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $279 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Kia Sedona insurance rates. A 40-year-old driver could pay as low as $1,060 a year in states like North Carolina, Indiana, and , or as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

With such a large range of prices, the best way to figure out which car insurance is cheapest is to do a rate comparison from as many companies as possible. Every company uses a different rate calculation, so rate quotes will be substantially different between companies.

View Chart as Image

Kia Sedona insurance cost comparison chart
Column chart showing Kia Sedona insurance prices range from $695 to $4,286 for full coverage

The chart above shows average Kia Sedona insurance prices for different situations. The lowest price with discounts is $695. Drivers who choose higher $1,000 deductibles will pay about $1,022. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,190. Using lower $100 deductibles for collision and other-than-collision coverage can cost as much as $1,514. High risk drivers could be charged up to $2,534. The policy rate for full coverage for a teenager is $4,286.

Kia Sedona Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,074 -$116 -9.7%
Alaska $912 -$278 -23.4%
Arizona $986 -$204 -17.1%
Arkansas $1,190 -$0 0.0%
California $1,354 $164 13.8%
Colorado $1,134 -$56 -4.7%
Connecticut $1,220 $30 2.5%
Delaware $1,344 $154 12.9%
Florida $1,484 $294 24.7%
Georgia $1,100 -$90 -7.6%
Hawaii $854 -$336 -28.2%
Idaho $806 -$384 -32.3%
Illinois $884 -$306 -25.7%
Indiana $896 -$294 -24.7%
Iowa $800 -$390 -32.8%
Kansas $1,128 -$62 -5.2%
Kentucky $1,622 $432 36.3%
Louisiana $1,758 $568 47.7%
Maine $732 -$458 -38.5%
Maryland $980 -$210 -17.6%
Massachusetts $946 -$244 -20.5%
Michigan $2,060 $870 73.1%
Minnesota $994 -$196 -16.5%
Mississippi $1,424 $234 19.7%
Missouri $1,056 -$134 -11.3%
Montana $1,276 $86 7.2%
Nebraska $936 -$254 -21.3%
Nevada $1,424 $234 19.7%
New Hampshire $856 -$334 -28.1%
New Jersey $1,330 $140 11.8%
New Mexico $1,050 -$140 -11.8%
New York $1,250 $60 5.0%
North Carolina $684 -$506 -42.5%
North Dakota $972 -$218 -18.3%
Ohio $820 -$370 -31.1%
Oklahoma $1,218 $28 2.4%
Oregon $1,090 -$100 -8.4%
Pennsylvania $1,130 -$60 -5.0%
Rhode Island $1,584 $394 33.1%
South Carolina $1,078 -$112 -9.4%
South Dakota $1,002 -$188 -15.8%
Tennessee $1,040 -$150 -12.6%
Texas $1,432 $242 20.3%
Utah $880 -$310 -26.1%
Vermont $812 -$378 -31.8%
Virginia $712 -$478 -40.2%
Washington $916 -$274 -23.0%
West Virginia $1,090 -$100 -8.4%
Wisconsin $820 -$370 -31.1%
Wyoming $1,058 -$132 -11.1%

View Chart as Image

Kia Sedona insurance rates by U.S. city

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Rates by Driver Age

Kia Sedona Insurance Rates by Driver Age
Driver Age Premium
16 $4,286
20 $2,692
30 $1,244
40 $1,190
50 $1,084
60 $1,062

Full coverage, $500 deductibles

Rates by Deductible

Kia Sedona Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,514
$250 $1,366
$500 $1,190
$1,000 $1,022

Full coverage, driver age 40

Rates by Liability Limit

Kia Sedona Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,190
50/100 $1,252
100/300 $1,330
250/500 $1,531
100 CSL $1,283
300 CSL $1,454
500 CSL $1,578

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Sedona Insurance Rates for High Risk Drivers
Age Premium
16 $6,116
20 $4,264
30 $2,596
40 $2,534
50 $2,414
60 $2,388

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 $158

Potential Rate Discounts

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

Discount Savings
Multi-policy $63
Multi-vehicle $59
Homeowner $17
5-yr Accident Free $86
5-yr Claim Free $75
Paid in Full/EFT $54
Advance Quote $57
Online Quote $84
Total Discounts $495
Rate after discounts $695

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

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