Kia Sedona Insurance Rates

The average insurance rates for a Kia Sedona are $1,132 a year including full coverage. Comprehensive insurance costs an estimated $238, collision costs $374, and liability insurance costs around $384. Liability-only coverage costs as low as $432 a year, with high-risk coverage costing $2,440 or more. Teenage drivers cost the most to insure at $4,272 a year or more.

Average premium for full coverage: $1,132

Policy rates broken down by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for different Sedona trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how location helps determine insurance prices.

The examples above highlight why anyone shopping for car insurance should compare prices for a targeted area, rather than relying on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $660
• Using higher $1,000 deductibles will save approximately $138 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,132
• Using more expensive low deductibles for physical damage coverage will cost an additional $268 a year
• Drivers who are prone to accidents and violations could pay up to $2,440 or more
• Policy cost that insures a teen driver with full coverage can cost as much as $4,272 or more

View Chart as Image

Insurance rates for a Kia Sedona also range considerably based on the model year and trim level, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,300 to $1,900 additional every year, depending on your age. High-risk driver insurance can be anywhere from 44% to 128% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,200 a year. View Rates by Age

Your home state has a huge impact on Kia Sedona insurance rates. A driver around age 40 might see rates as low as $870 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,620 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $410 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $345 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, and rates will be varied.

Insurance Rates by Trim Level and Model Year

Rates assume 2018 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 Kia Sedona Insurance

Finding cheaper rates on Kia Sedona insurance requires having a decent driving record, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Compare prices at least every other year by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The following items are a brief recap of the car insurance concepts covered in the charts and tables above.

• High-risk drivers who tend to receive serious violations could be charged and average of $1,310 more annually than a driver with a clean driving record
• You may be able to save approximately $130 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $400 each year
• Drivers who want additional liability coverage will pay an extra $420 per year to increase from a 30/60 limit to the 250/500 level