Kia Sedona Insurance Rates

Estimated insurance rates for a Kia Sedona are $868 a year with full coverage. Comprehensive costs around $152 each year, collision costs $178, and liability costs around $402. Liability-only insurance costs as low as $446 a year, with high-risk driver insurance costing around $1,860. Teens pay the most at $3,464 a year or more.

Average premium for full coverage: $868

Premium estimates for type of coverage:

Prices include $500 deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and Sedona models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion.

The graphic below illustrates how location helps determine auto insurance rates.

These rate differences demonstrate why all drivers should compare prices for a specific zip code and risk profile, instead of using averaged prices.

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

Detailed Rate Analysis

The chart below details estimated Kia Sedona insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $530
• Using higher $1,000 deductibles will save about $74 annually
• The average rate for a 40-year-old good driver using $500 deductibles is $868
• Selecting low deductibles for physical damage coverage will increase the cost to $1,012
• Drivers with serious driving violations could pay at least $1,860 or more
• An auto insurance policy for full coverage for a teen driver can be $3,464 or more

View Chart as Image

Insurance prices for a Kia Sedona also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.

More mature drivers with no violations or accidents and high deductibles may pay as little as $800 a year, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay as much as $3,400 a year. View Rates by Age

Where you choose to live has a huge impact on Kia Sedona insurance prices. A driver around age 40 might see prices as low as $630 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,170 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $220 every year, whereas increasing liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $362 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at least $1,000 to $1,500 additional annually, depending on your age. Insurance for high-risk drivers can be as much as 43% to 128% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out your exact price is to do a rate comparison and see which company has the best price. Each insurance company calculates prices differently, and prices will be substantially different from one company to the next.

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 Find the Right Kia Sedona Insurance

Finding better rates on car insurance requires not taking risks behind the wheel, having a good credit history, being claim-free, and taking advantage of discounts. Invest time comparing rates at least once a year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following is a quick rundown of the primary concepts that were covered in the charts and tables above.

• You may be able to save up to $100 per year simply by quoting online in advance
• Higher risk drivers with reckless driving or DUI convictions pay an average of $990 more every year for Sedona insurance
• Increasing policy deductibles can save around $225 each year
• Teens are charged the highest prices, possibly costing $289 per month including comprehensive and collision insurance