Kia Sedona Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 24, 2024
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U.S. average insurance prices for a Kia Sedona are $896 every 12 months for full coverage insurance. Comprehensive costs an estimated $162, collision costs $196, and liability is estimated at $402. Liability-only coverage costs approximately $446 a year, with high-risk coverage costing around $1,922. 16-year-old drivers pay the highest rates at $3,550 a year or more.
Average premium for full coverage: $896
Price estimates broken down by individual coverage:
Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for all Sedona models.
Price Range from Low to High
For a 40-year-old driver, Kia Sedona insurance prices go from the cheapest price of $446 for your basic liability-only policy to the much higher price of $1,922 for a driver who has had serious violations or accidents.
Geographic Price Range
Living in a larger city can have significant affects on the price of insurance. More rural locations have more infrequent physical damage claims than congested cities.
The example below illustrates how your location can change insurance prices.
The ranges above illustrate why everyone should get quotes for a targeted area and their own driving history, instead of using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below illustrates estimated Kia Sedona insurance rates for other coverage scenarios.
- The best full coverage rate is $543
- Choosing higher $1,000 deductibles can save approximately $80 each year
- The average price for the average middle-age driver who has $500 deductibles is $896
- Buying pricier low deductibles for comp and collision coverage increases the price to $1,050
- Unlucky drivers with multiple tickets or accidents could pay up to $1,922 or more
- The price to insure a teen driver for full coverage can cost as much as $3,550 each year
Auto insurance prices for a Kia Sedona are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.
Opting for high physical damage deductibles can save as much as $240 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $362 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may pay as little as $900 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay at least $3,500 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying $1,100 to $1,500 in extra premium each year, depending on your age. Kia Sedona insurance for high-risk drivers ranges as much as 42% to 136% more than the average rate. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Kia Sedona insurance prices. A good driver about age 40 could pay as low as $590 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,210 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $810 | -$86 | -9.6% |
| Alaska | $686 | -$210 | -23.4% |
| Arizona | $744 | -$152 | -17.0% |
| Arkansas | $896 | -$0 | 0.0% |
| California | $1,022 | $126 | 14.1% |
| Colorado | $854 | -$42 | -4.7% |
| Connecticut | $920 | $24 | 2.7% |
| Delaware | $1,012 | $116 | 12.9% |
| Florida | $1,118 | $222 | 24.8% |
| Georgia | $830 | -$66 | -7.4% |
| Hawaii | $644 | -$252 | -28.1% |
| Idaho | $608 | -$288 | -32.1% |
| Illinois | $666 | -$230 | -25.7% |
| Indiana | $676 | -$220 | -24.6% |
| Iowa | $604 | -$292 | -32.6% |
| Kansas | $850 | -$46 | -5.1% |
| Kentucky | $1,222 | $326 | 36.4% |
| Louisiana | $1,326 | $430 | 48.0% |
| Maine | $554 | -$342 | -38.2% |
| Maryland | $740 | -$156 | -17.4% |
| Massachusetts | $716 | -$180 | -20.1% |
| Michigan | $1,556 | $660 | 73.7% |
| Minnesota | $750 | -$146 | -16.3% |
| Mississippi | $1,074 | $178 | 19.9% |
| Missouri | $794 | -$102 | -11.4% |
| Montana | $962 | $66 | 7.4% |
| Nebraska | $704 | -$192 | -21.4% |
| Nevada | $1,074 | $178 | 19.9% |
| New Hampshire | $646 | -$250 | -27.9% |
| New Jersey | $1,004 | $108 | 12.1% |
| New Mexico | $792 | -$104 | -11.6% |
| New York | $942 | $46 | 5.1% |
| North Carolina | $518 | -$378 | -42.2% |
| North Dakota | $734 | -$162 | -18.1% |
| Ohio | $618 | -$278 | -31.0% |
| Oklahoma | $918 | $22 | 2.5% |
| Oregon | $820 | -$76 | -8.5% |
| Pennsylvania | $854 | -$42 | -4.7% |
| Rhode Island | $1,194 | $298 | 33.3% |
| South Carolina | $812 | -$84 | -9.4% |
| South Dakota | $756 | -$140 | -15.6% |
| Tennessee | $784 | -$112 | -12.5% |
| Texas | $1,080 | $184 | 20.5% |
| Utah | $664 | -$232 | -25.9% |
| Vermont | $610 | -$286 | -31.9% |
| Virginia | $538 | -$358 | -40.0% |
| Washington | $692 | -$204 | -22.8% |
| West Virginia | $820 | -$76 | -8.5% |
| Wisconsin | $618 | -$278 | -31.0% |
| Wyoming | $796 | -$100 | -11.2% |
Since prices can be so different, the only way to figure out which car insurance is cheapest is to regularly compare prices and see which company has the best price. Each auto insurer utilizes a different rate formula, and quoted prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Kia Sedona | $878 | $73 |
| Kia Sedona LX | $896 | $75 |
| Kia Sedona EX | $936 | $78 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Kia Sedona | $262 | $418 | $364 | $1,180 |
| 2020 Kia Sedona | $248 | $404 | $376 | $1,164 |
| 2019 Kia Sedona | $238 | $374 | $384 | $1,132 |
| 2018 Kia Sedona | $230 | $352 | $388 | $1,106 |
| 2017 Kia Sedona | $220 | $316 | $390 | $1,062 |
| 2016 Kia Sedona | $206 | $292 | $390 | $1,024 |
| 2015 Kia Sedona | $198 | $272 | $394 | $1,000 |
| 2014 Kia Sedona | $194 | $254 | $402 | $986 |
| 2012 Kia Sedona | $174 | $214 | $406 | $930 |
| 2011 Kia Sedona | $162 | $196 | $402 | $896 |
| 2010 Kia Sedona | $152 | $178 | $402 | $868 |
| 2008 Kia Sedona | $146 | $156 | $390 | $828 |
| 2007 Kia Sedona | $144 | $150 | $384 | $814 |
| 2006 Kia Sedona | $132 | $142 | $380 | $790 |
| 2005 Kia Sedona | $126 | $134 | $376 | $772 |
Rates are averaged for all Kia Sedona models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Cheaper Kia Sedona Insurance
Getting lower rates on car insurance takes being a good driver, having a good credit score, not filing small claims, and qualifying for all possible discounts. Invest the time to shop around every other policy renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following list is a condensed summary of the ideas that were illustrated above.
- Drivers age 16 to 20 are the costliest to insure, as much as $296 a month if comprehensive and collision insurance is included
- Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,030 more annually than a safer driver
- Increasing physical damage deductibles could save as much as $225 each year
- It is possible to save approximately $100 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,550 |
| 20 | $2,034 |
| 30 | $914 |
| 40 | $896 |
| 50 | $824 |
| 60 | $806 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,050 |
| $250 | $982 |
| $500 | $896 |
| $1,000 | $816 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $896 |
| 50/100 | $1,016 |
| 100/300 | $1,117 |
| 250/500 | $1,378 |
| 100 CSL | $1,057 |
| 300 CSL | $1,278 |
| 500 CSL | $1,439 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,008 |
| 20 | $3,238 |
| 30 | $1,938 |
| 40 | $1,922 |
| 50 | $1,832 |
| 60 | $1,814 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $46 |
| Multi-vehicle | $48 |
| Homeowner | $16 |
| 5-yr Accident Free | $54 |
| 5-yr Claim Free | $56 |
| Paid in Full/EFT | $33 |
| Advance Quote | $39 |
| Online Quote | $61 |
| Total Discounts | $353 |
Discounts are estimated and may not be available from every company or in every state.
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