Kia Sedona Insurance Rates

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

Average premium for full coverage: $868

Premium estimates by type of coverage:

Prices are based on $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for different Sedona trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than densely populated cities.

The price range example below illustrates how location impacts car insurance rates.

These rate differences show why anyone shopping for car insurance should compare rates based on a specific location and risk profile, rather than using average rates.

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

Rate Comparisons

The chart below shows estimated Kia Sedona insurance rates for different risk profiles and scenarios.

• The best discount rate is $530
• Drivers who choose higher $1,000 deductibles will pay around $74 a year
• The average rate for a 40-year-old good driver with $500 deductibles is $868
• Using more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,012
• High-risk insureds who are prone to accidents and violations could pay upwards of $1,860 or more
• An auto insurance policy for full coverage for a teenage driver with full coverage may cost $3,464 a year

View Chart as Image

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

An older driver with a clean driving record and high deductibles may only pay around $800 per year on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay upwards of $3,400 a year. View Rates by Age

Where you choose to live makes a big difference in Kia Sedona insurance rates. A 40-year-old driver could pay as low as $570 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,240 on average in Michigan, Louisiana, and New York.

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Using high physical damage deductibles could save up to $220 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $362 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,000 to $1,500 extra annually, depending on your age. High-risk driver insurance can cost around 43% to 128% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to know exactly what you will pay is to compare prices and see how they stack up. Every company uses a different method to calculate prices, so the 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 Affordable Kia Sedona Insurance

Finding better rates on auto insurance not only requires being a good driver, but also maintaining good credit, not filing small claims, and bundling your home and auto policies. Spend time shopping around every couple of years by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

The following list is a brief review of the material that was touched on above.

• Consumers who require an increased level of liability coverage will pay an extra $440 each year to go from 30/60 bodily injury limits to 250/500 limits
• Drivers age 16 to 20 pay the highest prices, as much as $289 per month for full coverage
• Drivers with DUI or reckless driving convictions will pay on average $990 more each year than a safer driver
• Increasing policy deductibles can save around $225 each year