Kia Sedona Insurance Rates

The average auto insurance rates for a Kia Sedona are $896 annually for full coverage insurance. Comprehensive costs approximately $162 each year, collision costs $196, and liability is $402. Liability-only coverage costs around $446 a year, with high-risk coverage costing around $1,922. Teen drivers cost the most to insure at $3,550 a year or more.

Average premium for full coverage: $896

Policy rates by type of insurance:

Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and Sedona models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than larger metro areas.

The graphic below illustrates how where you live affects auto insurance prices.

The examples above illustrate why all drivers should compare rates quotes using their specific location and their own personal driving habits, instead of using price averages.

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

Rate Comparisons

The chart below illustrates estimated Kia Sedona insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $543
• Raising to $1,000 deductibles will save $80 each year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $896
• Choosing low deductibles will cost $1,050
• At-risk drivers with multiple violations and an at-fault accident could pay around $1,922 or more
• Policy cost with full coverage for a teen driver can cost $3,550

View Chart as Image

Insurance rates for a Kia Sedona also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $3,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,100 to $1,500 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 42% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $240 every year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Kia Sedona insurance prices. A middle-age driver might find rates as low as $590 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,210 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison and see which company has the best rate. Every auto insurance company uses a different rate calculation, and 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 Cheaper Kia Sedona Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and claims, having good credit, being claim-free, and qualifying for all possible discounts. Take the time to comparison shop every other policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a condensed summary of the ideas that were touched on in the above illustrations.

• Drivers under the age of 20 are the costliest to insure, possibly costing $296 each month if they have full coverage
• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,030 more per year to insure a Kia Sedona
• Increasing comprehensive and collision deductibles could save up to $225 each year
• It is possible to save around $100 per year simply by quoting online in advance