Kia Sedona Insurance Rates
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UPDATED: Jun 6, 2023
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Estimated auto insurance rates for a Kia Sedona are $1,164 annually with full coverage. Comprehensive insurance costs around $248, collision costs $404, and liability insurance costs $376. A liability-only policy costs as little as $426 a year, with high-risk insurance costing $2,508 or more. Teens pay the most at $4,368 a year or more.
Average premium for full coverage: $1,164
Premium estimates for type of coverage:
Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and for different Sedona trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Kia Sedona go from as cheap as $426 for basic liability insurance to a much higher rate of $2,508 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Your location has a significant impact on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than cities with more traffic congestion.
The price range example below illustrates how where you live affects auto insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, rather than relying on averaged prices.
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.
Rate Comparisons
The chart below details estimated Kia Sedona insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $676
- Drivers who choose higher $1,000 deductibles will pay about $148 annually
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,164
- Selecting more expensive low deductibles for comprehensive and collision insurance costs an additional $286 a year
- High risk drivers with serious driving violations could pay at least $2,508 or more
- An auto insurance policy with full coverage for a teen driver with full coverage can be $4,368 a year
Auto insurance prices for a Kia Sedona also have a wide range based on the model of your Sedona, your driving record, and deductibles and policy limits.
An older driver with a good driving record and high physical damage deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay as much as $4,300 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out at least $1,400 to $1,900 in extra premium annually, depending on your age. High-risk driver insurance can cost anywhere from 43% to 134% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $440 each year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $339 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Kia Sedona insurance rates. A 40-year-old driver could pay as low as $840 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,570 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,050 | -$114 | -9.8% |
| Alaska | $892 | -$272 | -23.4% |
| Arizona | $966 | -$198 | -17.0% |
| Arkansas | $1,164 | -$0 | 0.0% |
| California | $1,324 | $160 | 13.7% |
| Colorado | $1,112 | -$52 | -4.5% |
| Connecticut | $1,194 | $30 | 2.6% |
| Delaware | $1,314 | $150 | 12.9% |
| Florida | $1,452 | $288 | 24.7% |
| Georgia | $1,078 | -$86 | -7.4% |
| Hawaii | $836 | -$328 | -28.2% |
| Idaho | $788 | -$376 | -32.3% |
| Illinois | $864 | -$300 | -25.8% |
| Indiana | $878 | -$286 | -24.6% |
| Iowa | $784 | -$380 | -32.6% |
| Kansas | $1,106 | -$58 | -5.0% |
| Kentucky | $1,584 | $420 | 36.1% |
| Louisiana | $1,722 | $558 | 47.9% |
| Maine | $720 | -$444 | -38.1% |
| Maryland | $960 | -$204 | -17.5% |
| Massachusetts | $926 | -$238 | -20.4% |
| Michigan | $2,022 | $858 | 73.7% |
| Minnesota | $974 | -$190 | -16.3% |
| Mississippi | $1,394 | $230 | 19.8% |
| Missouri | $1,032 | -$132 | -11.3% |
| Montana | $1,248 | $84 | 7.2% |
| Nebraska | $916 | -$248 | -21.3% |
| Nevada | $1,394 | $230 | 19.8% |
| New Hampshire | $840 | -$324 | -27.8% |
| New Jersey | $1,302 | $138 | 11.9% |
| New Mexico | $1,030 | -$134 | -11.5% |
| New York | $1,226 | $62 | 5.3% |
| North Carolina | $668 | -$496 | -42.6% |
| North Dakota | $954 | -$210 | -18.0% |
| Ohio | $802 | -$362 | -31.1% |
| Oklahoma | $1,192 | $28 | 2.4% |
| Oregon | $1,066 | -$98 | -8.4% |
| Pennsylvania | $1,108 | -$56 | -4.8% |
| Rhode Island | $1,552 | $388 | 33.3% |
| South Carolina | $1,054 | -$110 | -9.5% |
| South Dakota | $982 | -$182 | -15.6% |
| Tennessee | $1,020 | -$144 | -12.4% |
| Texas | $1,400 | $236 | 20.3% |
| Utah | $860 | -$304 | -26.1% |
| Vermont | $794 | -$370 | -31.8% |
| Virginia | $696 | -$468 | -40.2% |
| Washington | $898 | -$266 | -22.9% |
| West Virginia | $1,066 | -$98 | -8.4% |
| Wisconsin | $804 | -$360 | -30.9% |
| Wyoming | $1,036 | -$128 | -11.0% |
With such a large range in prices, the best way to find out your exact price is to compare prices from as many companies as possible. Every company calculates prices differently, and quoted prices will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Kia Sedona | $1,128 | $94 |
| Kia Sedona LX | $1,164 | $97 |
| Kia Sedona EX | $1,240 | $103 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Kia Sedona | $248 | $404 | $376 | $1,164 |
| 2017 Kia Sedona | $238 | $374 | $384 | $1,132 |
| 2014 Kia Sedona | $206 | $292 | $390 | $1,024 |
| 2008 Kia Sedona | $152 | $178 | $402 | $868 |
| 2007 Kia Sedona | $148 | $160 | $398 | $842 |
| 2006 Kia Sedona | $146 | $156 | $390 | $828 |
| 2005 Kia Sedona | $144 | $150 | $384 | $814 |
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 Buy the Cheapest Kia Sedona Insurance
Finding better rates on Kia Sedona insurance not only requires having a decent driving record, but also having above-average credit, being claim-free, and maximizing policy discounts. Take the time to comparison shop at every other renewal by obtaining price quotes from direct companies, and also from local exclusive and independent agents.
The following items are a recap of the concepts that were touched on in the above illustrations.
- High-risk drivers that have major violations or accidents may pay on average $1,340 more every year than a driver with a clean driving record
- 16 to 18-year-old drivers are expensive to insure, possibly costing $364 per month if full coverage is included
- You may be able to save up to $140 per year simply by shopping early and online
- Increasing policy deductibles could save up to $425 each year
- You may be able to save up to $140 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,368 |
| 20 | $2,666 |
| 30 | $1,210 |
| 40 | $1,164 |
| 50 | $1,064 |
| 60 | $1,046 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,450 |
| $250 | $1,318 |
| $500 | $1,164 |
| $1,000 | $1,016 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,164 |
| 50/100 | $1,315 |
| 100/300 | $1,409 |
| 250/500 | $1,654 |
| 100 CSL | $1,353 |
| 300 CSL | $1,560 |
| 500 CSL | $1,710 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,220 |
| 20 | $4,240 |
| 30 | $2,558 |
| 40 | $2,508 |
| 50 | $2,392 |
| 60 | $2,368 |
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 | $62 |
| Multi-vehicle | $61 |
| Homeowner | $18 |
| 5-yr Accident Free | $83 |
| 5-yr Claim Free | $75 |
| Paid in Full/EFT | $51 |
| Advance Quote | $56 |
| Online Quote | $82 |
| Total Discounts | $488 |
Discounts are estimated and may not be available from every company or in every state.
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