Kia Sedona Insurance Rates

The average insurance rates for a Kia Sedona are $896 a year for full coverage. Comprehensive costs on average $162 each year, collision insurance costs $196, and liability costs $402. Buying just liability costs as little as $446 a year, and insurance for high-risk drivers costs around $1,922. 16-year-old drivers cost the most to insure at up to $3,550 a year.

Average premium for full coverage: $896

Policy rates by type of insurance:

These estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Sedona models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than congested cities. The graphic below illustrates how location helps determine car insurance rates.

The examples above show why all drivers should compare rates based on a specific location and risk profile, instead of using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $543
• Drivers who choose higher $1,000 deductibles will pay around $80 a year
• The average rate for a good driver age 40 with $500 deductibles is $896
• Buying low deductibles for comprehensive and collision insurance will increase the cost to $1,050
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $1,922
• Policy cost for full coverage for a teen driver may cost $3,550 a year

View Chart as Image

Insurance rates for a Kia Sedona also range considerably based on your risk profile, the trim level of your Sedona, and policy deductibles and limits.

More mature drivers with a clean driving record and high deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay upwards of $3,500 a year. View Rates by Age

Your home state makes a big difference in Kia Sedona insurance prices. A 40-year-old driver could pay as low as $590 a year in states like Idaho, Maine, and Iowa, or at least $1,280 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could save up to $240 every year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $362 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,100 to $1,500 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 136% more than the average rate. View High Risk Driver Rates

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 Cheap Kia Sedona Insurance

Finding cheaper rates on car insurance not only requires being a low-risk driver, but also maintaining good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Invest time comparing rates once a year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The items below are a brief summary of the data that was covered in the charts and tables above.

• Drivers can save as much as $100 per year just by quoting online in advance
• Policyholders who require more liability coverage will pay around $440 each year to go from a 30/60 limit to 250/500 limits
• Teen drivers pay the highest rates, costing up to $296 each month for full coverage
• Higher risk drivers that tend to have accidents or serious violations will pay on average $1,030 more each year to insure their Sedona