Kia Sedona Insurance Rates

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

Average premium for full coverage: $868

Premium estimates by type of coverage:

Rate estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for different Sedona trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location, rather than relying on average rates.

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

More Rate Information

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

• The best discount rate is $530
• Raising to $1,000 deductibles will save around $74 each year
• The estimated price for a 40-year-old good driver with $500 deductibles is $868
• Using more expensive low deductibles will cost an additional $144 a year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $1,860 or more
• An auto insurance policy that insures a teen driver with full coverage may cost $3,464

View Chart as Image

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

If you have a few violations or you caused an accident, you are probably paying at a minimum $1,000 to $1,500 additional annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 128% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $800 every 12 months on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $3,400 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 $570 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,170 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $220 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $362 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out exactly what you will pay is to compare prices from as many companies as possible. Every auto insurance company uses a different method to calculate prices, and prices will be substantially different.

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 Best Kia Sedona Insurance

Finding better rates on Kia Sedona insurance consists of having a good driving record, having a good credit score, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Compare prices at every other renewal by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The next list is a brief recap of the concepts that were covered above.

• High-risk drivers who tend to receive serious violations may pay on average $990 more each year to buy Kia Sedona insurance
• Drivers age 20 and younger pay higher prices, with premiums being up to $289 per month if comprehensive and collision insurance is included
• It is possible to save as much as $100 per year simply by shopping early and online
• Increasing policy deductibles can save approximately $225 each year
• It is possible to save as much as $100 per year simply by shopping early and online