Kia Sedona Insurance Rates
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UPDATED: May 24, 2024
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The average insurance rates for a Kia Sedona are $930 a year with full coverage. Comprehensive costs around $174 each year, collision costs $214, and liability coverage costs around $406. Liability-only coverage costs as low as $450 a year, with high-risk coverage costing around $1,992. 16-year-old drivers cost the most to insure at $3,656 a year or more.
Average premium for full coverage: $930
Policy rates for type of insurance:
Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and Sedona models.
Price Range Variability
For the average driver, Kia Sedona insurance rates go from as low as $450 for liability-only coverage to a high rate of $1,992 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live has a large influence on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than congested cities.
The graphic below illustrates how location impacts auto insurance rates.
The examples above demonstrate why all drivers should compare prices for a specific zip code and risk profile, rather than 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.
Additional Charts and Tables
The chart below details estimated Kia Sedona insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $562
- Using higher $1,000 deductibles will save about $88 annually
- The average rate for a good driver age 40 using $500 deductibles is $930
- Buying low deductibles for physical damage coverage will increase the cost to $1,098
- Higher-risk drivers with multiple tickets or accidents could pay at least $1,992 or more
- Policy cost for full coverage for a teenage driver can be $3,656 or more
Insurance rates for a Kia Sedona also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.
More mature drivers with no violations or accidents and high deductibles may only pay around $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $3,600 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 $670 a year in states like New Hampshire, Ohio, and Utah, or at least $1,260 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $840 | -$90 | -9.7% |
| Alaska | $714 | -$216 | -23.2% |
| Arizona | $770 | -$160 | -17.2% |
| Arkansas | $930 | -$0 | 0.0% |
| California | $1,058 | $128 | 13.8% |
| Colorado | $886 | -$44 | -4.7% |
| Connecticut | $954 | $24 | 2.6% |
| Delaware | $1,052 | $122 | 13.1% |
| Florida | $1,162 | $232 | 24.9% |
| Georgia | $858 | -$72 | -7.7% |
| Hawaii | $670 | -$260 | -28.0% |
| Idaho | $630 | -$300 | -32.3% |
| Illinois | $692 | -$238 | -25.6% |
| Indiana | $702 | -$228 | -24.5% |
| Iowa | $626 | -$304 | -32.7% |
| Kansas | $884 | -$46 | -4.9% |
| Kentucky | $1,268 | $338 | 36.3% |
| Louisiana | $1,376 | $446 | 48.0% |
| Maine | $574 | -$356 | -38.3% |
| Maryland | $768 | -$162 | -17.4% |
| Massachusetts | $742 | -$188 | -20.2% |
| Michigan | $1,612 | $682 | 73.3% |
| Minnesota | $780 | -$150 | -16.1% |
| Mississippi | $1,114 | $184 | 19.8% |
| Missouri | $824 | -$106 | -11.4% |
| Montana | $998 | $68 | 7.3% |
| Nebraska | $734 | -$196 | -21.1% |
| Nevada | $1,114 | $184 | 19.8% |
| New Hampshire | $670 | -$260 | -28.0% |
| New Jersey | $1,040 | $110 | 11.8% |
| New Mexico | $822 | -$108 | -11.6% |
| New York | $980 | $50 | 5.4% |
| North Carolina | $536 | -$394 | -42.4% |
| North Dakota | $762 | -$168 | -18.1% |
| Ohio | $640 | -$290 | -31.2% |
| Oklahoma | $952 | $22 | 2.4% |
| Oregon | $852 | -$78 | -8.4% |
| Pennsylvania | $884 | -$46 | -4.9% |
| Rhode Island | $1,240 | $310 | 33.3% |
| South Carolina | $844 | -$86 | -9.2% |
| South Dakota | $786 | -$144 | -15.5% |
| Tennessee | $814 | -$116 | -12.5% |
| Texas | $1,120 | $190 | 20.4% |
| Utah | $686 | -$244 | -26.2% |
| Vermont | $636 | -$294 | -31.6% |
| Virginia | $556 | -$374 | -40.2% |
| Washington | $718 | -$212 | -22.8% |
| West Virginia | $852 | -$78 | -8.4% |
| Wisconsin | $640 | -$290 | -31.2% |
| Wyoming | $830 | -$100 | -10.8% |
Opting for high physical damage deductibles could cut rates by as much as $260 a year, whereas increasing liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $366 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,100 to $1,600 additional every year, depending on your age. Insurance for high-risk drivers can be around 44% to 132% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the best way to find out your exact price is to do a rate comparison and see how they stack up. Each insurance company utilizes a different rate formula, and rates will be varied from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Kia Sedona | $908 | $76 |
| Kia Sedona LX | $930 | $78 |
| Kia Sedona EX | $976 | $81 |
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 | $272 | $436 | $354 | $1,198 |
| 2020 Kia Sedona | $262 | $418 | $364 | $1,180 |
| 2019 Kia Sedona | $248 | $404 | $376 | $1,164 |
| 2018 Kia Sedona | $238 | $374 | $384 | $1,132 |
| 2017 Kia Sedona | $230 | $352 | $388 | $1,106 |
| 2016 Kia Sedona | $220 | $316 | $390 | $1,062 |
| 2015 Kia Sedona | $206 | $292 | $390 | $1,024 |
| 2014 Kia Sedona | $198 | $272 | $394 | $1,000 |
| 2012 Kia Sedona | $180 | $236 | $402 | $954 |
| 2011 Kia Sedona | $174 | $214 | $406 | $930 |
| 2010 Kia Sedona | $162 | $196 | $402 | $896 |
| 2008 Kia Sedona | $148 | $160 | $398 | $842 |
| 2007 Kia Sedona | $146 | $156 | $390 | $828 |
| 2006 Kia Sedona | $144 | $150 | $384 | $814 |
| 2005 Kia Sedona | $132 | $142 | $380 | $790 |
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 More Affordable Kia Sedona Insurance
Finding cheaper rates on auto insurance requires having a decent driving record, having a good credit history, not filing small claims, and taking advantage of discounts. Spend time shopping around at least once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The following items are a summary of the primary concepts that were touched on above.
- You may be able to save up to $110 per year simply by quoting online in advance
- Drivers who have multiple accidents or major violations pay an average of $1,060 more every year than a driver with a clean driving record
- Increasing comprehensive and collision deductibles can save around $250 each year
- 16 to 18-year-old drivers are charged the highest rates, as much as $305 each month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,656 |
| 20 | $2,110 |
| 30 | $952 |
| 40 | $930 |
| 50 | $854 |
| 60 | $836 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,098 |
| $250 | $1,022 |
| $500 | $930 |
| $1,000 | $842 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $930 |
| 50/100 | $1,057 |
| 100/300 | $1,159 |
| 250/500 | $1,423 |
| 100 CSL | $1,098 |
| 300 CSL | $1,321 |
| 500 CSL | $1,484 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,164 |
| 20 | $3,358 |
| 30 | $2,016 |
| 40 | $1,992 |
| 50 | $1,904 |
| 60 | $1,882 |
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 | $48 |
| Multi-vehicle | $49 |
| Homeowner | $16 |
| 5-yr Accident Free | $57 |
| 5-yr Claim Free | $58 |
| Paid in Full/EFT | $35 |
| Advance Quote | $41 |
| Online Quote | $64 |
| Total Discounts | $368 |
Discounts are estimated and may not be available from every company or in every state.
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