Kia Sedona Insurance Rates
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UPDATED: May 24, 2024
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Average insurance prices for a Kia Sedona are $896 every 12 months including full coverage. Comprehensive costs approximately $162, collision costs $196, and liability insurance is $402. Buying just liability costs around $446 a year, with insurance 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 by individual coverage type:
Rate estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all Sedona models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from the cheapest price of $446 for basic liability insurance to the much higher price of $1,922 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city has a significant impact on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than congested cities.
The example below illustrates the difference between rural and urban areas on auto insurance prices.
These examples highlight why everyone should compare rates quotes using their specific location and their own driving history, 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.
Rate Comparisons
The chart below breaks down estimated Kia Sedona insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $543
- Raising to $1,000 deductibles will save $80 every year
- The average price for a 40-year-old driver who chooses $500 deductibles is $896
- Buying pricier low deductibles increases the price to $1,050
- Higher-risk drivers with multiple tickets or accidents could pay around $1,922 or more
- The cost to insure a teen driver for full coverage can cost $3,550
Auto insurance rates for a Kia Sedona can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your Sedona.
Opting for high physical damage deductibles can reduce rates by up to $240 each year, whereas buying more liability protection will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $362 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles could pay as little as $900 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay in the ballpark of $3,500 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,100 to $1,500 in extra premium 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
Where you live also has a big influence on Kia Sedona insurance rates. A middle-age driver might find rates as low as $690 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,280 on average in Louisiana, New York, 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% |
With so much variability in rates, the best way to figure out who has the best auto insurance rates is to regularly compare rates from as many companies as possible. Every auto insurance company utilizes a different rate formula, and quoted rates can be significantly different.
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 Shop for the Best Kia Sedona Insurance
Saving money on Kia Sedona insurance consists of avoiding accidents and violations, having a good credit score, not filing small claims, and not having any coverage lapses. Set aside time to compare rates every other policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.
The list below is a brief recap of the ideas that were covered above.
- Teenagers have the highest car insurance rates, as much as $296 per month if comprehensive and collision insurance is included
- High-risk drivers who tend to receive serious violations could be charged and average of $1,030 more per year for car insurance
- Increasing deductibles could save as much as $225 each year
- You may be able to save around $100 per year simply by quoting online well ahead of the renewal date
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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