Kia Sedona Insurance Rates

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

Average premium for full coverage: $868

Policy rates by type of insurance:

These estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for different Sedona trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural areas are shown to have fewer accident claims than densely populated cities.

The price range example below illustrates how where you live affects car insurance rates.

The examples above show why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, rather than relying on average rates.

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

More Rate Information

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 estimated rate for a good driver age 40 with $500 deductibles is $868
• Using more expensive low deductibles for comprehensive and collision insurance costs an additional $144 a year
• High risk drivers who are prone to accidents and violations could pay upwards of $1,860 or more
• Policy cost with full coverage for a teen driver with full coverage may cost $3,464 a year

View Chart as Image

Auto insurance rates for a Kia Sedona also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.

An older driver with a good driving record and high physical damage deductibles could pay as little as $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay upwards of $3,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,000 to $1,500 in extra premium every year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 128% more than a normal policy. View High Risk Driver Rates

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

Your home state 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.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to compare rates from as many companies as possible. Every company uses a different method to calculate rates, and quoted rates will be varied between companies.

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 Buy Cheap Kia Sedona Insurance

Finding cheaper rates on Kia Sedona insurance not only requires being safe and accident-free, but also having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop every couple of years by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

Below you'll find a brief summary of the material that was touched on in the above illustrations.

• Drivers who require more liability protection will pay an extra $440 each year to go from a 30/60 limit to higher 250/500 limits
• Youthful drivers are charged the highest rates, costing up to $289 each month if full coverage is included
• High-risk drivers that tend to have accidents or serious violations may be required to pay an average of $990 more each year than a low-risk driver
• Increasing comprehensive and collision deductibles could save up to $225 each year