Kia Sedona Insurance Rates

The average insurance prices for a Kia Sedona are $868 every 12 months including full coverage. Comprehensive insurance costs an estimated $152, collision costs $178, and liability costs around $402. Buying just liability costs as low as $446 a year, with insurance for high-risk drivers costing $1,860 or more. Teen drivers cost the most to insure at $3,464 a year or more.

Average premium for full coverage: $868

Policy rates broken down by type of insurance:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Sedona models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas.

The example below illustrates how where you live affects insurance prices.

The examples above highlight why everyone should compare prices for a targeted area and their own driving history, instead of using price averages.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below breaks down estimated Kia Sedona insurance rates for other coverage scenarios.

• The lowest rate with discounts is $530
• Using higher $1,000 deductibles will save approximately $74 every year
• The average price for a good driver age 40 who has $500 deductibles is $868
• Choosing pricier low deductibles for physical damage coverage costs an extra $144 every year
• Drivers with multiple violations and an at-fault accident could pay up to $1,860 or more
• Policy cost to insure a teen driver for full coverage can cost as much as $3,464 or more

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Insurance rates for a Kia Sedona also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Choosing high deductibles could cut rates by as much as $220 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as little as $800 a year, or $67 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay at least $3,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,000 to $1,500 extra every year, depending on your age. Kia Sedona insurance for high-risk drivers can be as much as 43% to 128% more than average. View High Risk Driver Rates

Your home state has a huge impact on Kia Sedona insurance prices. A driver around age 40 might see rates as low as $670 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,240 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, so the rates will be varied.

Insurance Rates by Trim Level and Model Year

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.

How to Shop for Affordable Kia Sedona Insurance

Finding cheaper rates on car insurance requires being safe and accident-free, having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Take the time to comparison shop every year by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

Below you'll find a brief review of the coverage data touched on in the above illustrations.

• You may be able to save approximately $100 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $225 each year
• Youthful drivers are charged the highest rates, with premiums being up to $289 each month if they have full coverage
• Higher risk drivers with DUI or reckless driving convictions may have to pay on average $990 more annually than a low-risk driver