Kia Sedona Insurance Rates

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

Average premium for full coverage: $896

Policy rates broken down by type of insurance:

Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Sedona models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on insurance rates. More rural locations are shown to have a lower frequency of accident claims than densely populated cities.

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

The examples above show why all drivers should compare rates quotes for a targeted area and risk profile, instead of using average rates.

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

Additional Rate Information

The chart below shows estimated Kia Sedona insurance rates for other coverage scenarios.

• The best discount rate is $543
• Raising to $1,000 deductibles will save approximately $80 a year
• The average rate for a good driver age 40 who has $500 deductibles is $896
• Using low deductibles will cost an extra $154 every year
• At-risk drivers who are prone to accidents and violations could pay up to $1,922 or more
• Policy cost for full coverage for a teen driver can cost as much as $3,550

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 liability limits and deductibles.

More mature drivers with a clean driving record and high deductibles may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay at least $3,500 a year. View Rates by Age

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 Iowa, Maine, and Idaho, or be forced to pay as much as $1,280 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $240 every year, whereas increasing liability limits will increase premiums. 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 $1,100 to $1,500 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 42% to 136% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, so the rates will be varied from one company to the next.

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 Cheap Kia Sedona Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and claims, maintaining good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop at least every other year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The points below are a quick review of the car insurance concepts touched on in the above illustrations.

• Higher risk drivers with a DUI or reckless driving violation pay an average of $1,030 more annually to insure a Kia Sedona
• Drivers can save approximately $100 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $225 each year
• Policyholders who want increased liability limits will pay an extra $440 each year to raise from a 30/60 limit to 250/500 limits