Kia Sedona Insurance Rates
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UPDATED: May 24, 2024
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Average insurance rates for a Kia Sedona are $896 a year for full coverage. Comprehensive costs an estimated $162, collision costs $196, and liability insurance is $402. A policy with just liability insurance costs around $446 a year, with coverage for high-risk drivers costing around $1,922. 16-year-old drivers receive the highest rates at $3,550 a year or more.
Average premium for full coverage: $896
Rate estimates broken down by individual coverage type:
Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for all Sedona models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as low as $446 for just liability coverage to the much higher price of $1,922 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. More rural locations tend to have a lower frequency of accident claims than congested cities.
The example below illustrates how where you live affects insurance prices.
These examples show why everyone should compare rates quotes for a targeted area and risk profile, rather than relying on 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.
Detailed Rate Analysis
The chart below shows estimated Kia Sedona insurance rates for other coverage scenarios.
- The best full coverage rate is $543
- Raising to $1,000 deductibles will save approximately $80 a year
- The average rate for a 40-year-old driver who has $500 deductibles is $896
- Buying pricier low deductibles will increase the cost to $1,050
- Higher-risk drivers with multiple tickets or accidents could pay up to $1,922 or more
- The cost for full coverage for a teen driver for full coverage can cost as much as $3,550
Insurance rates for a Kia Sedona can also vary considerably based on your driver profile, the trim level of your Sedona, and liability limits and deductibles.
A more mature driver with no violations or accidents and high deductibles could pay as little as $900 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay at least $3,500 a year. View Rates by Age
Where you live also has a big influence on Kia Sedona insurance rates. A middle-age driver might find rates as low as $590 a year in states like Iowa, Maine, and Idaho, or at least $1,280 on average in New York, Louisiana, 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% |
Opting for high physical damage deductibles can reduce rates by up to $240 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying $1,100 to $1,500 additional per year, depending on your age. Kia Sedona insurance for high-risk drivers is expensive and can cost anywhere from 42% to 136% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the only way to know which company is cheapest is to regularly compare rates from as many companies as possible. Every auto insurance company utilizes a different rate formula, and rates can be significantly different from one company to the next.
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 Find Cheaper Kia Sedona Insurance
Saving money on Kia Sedona insurance consists of being a good driver, having a good credit history, eliminating unneeded coverage, and maximizing policy discounts. Take the time to comparison shop every time your policy renews by requesting quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.
The following list is a condensed summary of the information touched on in the above illustrations.
- Drivers can save approximately $100 per year simply by quoting online well ahead of the renewal date
- Drivers age 16 to 20 are expensive to insure, costing as high as $296 per month including comprehensive and collision insurance
- Increasing deductibles can save around $225 each year
- High-risk drivers with multiple at-fault accidents pay an average of $1,030 more annually than a safer driver
- Drivers who want an increased level of liability coverage will pay around $440 each year to raise from a minimum limit to 250/500 limits
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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