Kia Sedona Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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:

Comprehensive $162
Collision $196
Liability $402

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.

Liability Only $446
Full Coverage $896
High Risk $1,922

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.

Rural Areas $672
Small Cities $941
Large Cities $1,210

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

View Chart as Image

Kia Sedona insurance cost comparison chart
Column chart showing full coverage Kia Sedona insurance rates range from $543 to $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.

Kia Sedona Insurance Rates by State
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%

View Chart as Image

Kia Sedona insurance rates by U.S. city

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

Kia Sedona Insurance Rates by Model and Trim Level
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.

Kia Sedona Insurance Rates by Model Year
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

Rates by Driver Age

Kia Sedona Insurance 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

Kia Sedona Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,050
$250 $982
$500 $896
$1,000 $816

Full coverage, driver age 40

Rates by Liability Limit

Kia Sedona Insurance Rates with Different Liability Limits
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

Kia Sedona Insurance 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.

SR-22 Surcharge $118

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
Rate after discounts $543

Discounts are estimated and may not be available from every company or in every state.

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