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...

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UPDATED: Jun 6, 2023

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The average auto insurance rates for a Kia Sedona are $1,132 annually for full coverage. Comprehensive insurance costs approximately $238 a year, collision insurance costs $374, and liability is $384. Liability-only insurance costs around $432 a year, and high-risk driver insurance costs $2,440 or more. Teens cost the most to insure at up to $4,272 a year.

Average premium for full coverage: $1,132

Policy rates by type of insurance:

Comprehensive $238
Collision $374
Liability $384

Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Sedona trim levels.

Price Range Variability

For an average driver, Kia Sedona insurance rates range from as cheap as $432 for just liability coverage to a high of $2,440 for coverage for higher-risk drivers.

Liability Only $432
Full Coverage $1,132
High Risk $2,440

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are shown to have fewer accident claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $849
Small Cities $1,189
Large Cities $1,528

The examples above show why it is important to compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based 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.

Detailed Rate Analysis

The chart below shows average Kia Sedona insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $660
  • Raising to $1,000 deductibles will save $994 a year
  • The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,132
  • Selecting low $100 deductibles costs an additional $268 annually
  • Drivers with serious driving violations could pay around $2,440
  • Policy cost with full coverage for a 16-year-old driver can cost $4,272

View Chart as Image

Kia Sedona insurance cost comparison chart
Column chart showing Kia Sedona insurance prices range from $660 to $4,272 for full coverage

Auto insurance rates for a Kia Sedona also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $4,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,300 to $1,900 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 128% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $410 annually, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $345 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Kia Sedona insurance prices. A middle-age driver might find rates as low as $750 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,620 on average in New York, Louisiana, and Michigan.

Kia Sedona Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,022 -$110 -9.7%
Alaska $868 -$264 -23.3%
Arizona $938 -$194 -17.1%
Arkansas $1,132 -$0 0.0%
California $1,292 $160 14.1%
Colorado $1,080 -$52 -4.6%
Connecticut $1,164 $32 2.8%
Delaware $1,280 $148 13.1%
Florida $1,414 $282 24.9%
Georgia $1,046 -$86 -7.6%
Hawaii $816 -$316 -27.9%
Idaho $768 -$364 -32.2%
Illinois $844 -$288 -25.4%
Indiana $854 -$278 -24.6%
Iowa $766 -$366 -32.3%
Kansas $1,074 -$58 -5.1%
Kentucky $1,546 $414 36.6%
Louisiana $1,676 $544 48.1%
Maine $700 -$432 -38.2%
Maryland $934 -$198 -17.5%
Massachusetts $902 -$230 -20.3%
Michigan $1,964 $832 73.5%
Minnesota $950 -$182 -16.1%
Mississippi $1,356 $224 19.8%
Missouri $1,004 -$128 -11.3%
Montana $1,214 $82 7.2%
Nebraska $892 -$240 -21.2%
Nevada $1,358 $226 20.0%
New Hampshire $816 -$316 -27.9%
New Jersey $1,264 $132 11.7%
New Mexico $1,002 -$130 -11.5%
New York $1,192 $60 5.3%
North Carolina $652 -$480 -42.4%
North Dakota $928 -$204 -18.0%
Ohio $778 -$354 -31.3%
Oklahoma $1,160 $28 2.5%
Oregon $1,038 -$94 -8.3%
Pennsylvania $1,080 -$52 -4.6%
Rhode Island $1,510 $378 33.4%
South Carolina $1,028 -$104 -9.2%
South Dakota $956 -$176 -15.5%
Tennessee $990 -$142 -12.5%
Texas $1,366 $234 20.7%
Utah $838 -$294 -26.0%
Vermont $774 -$358 -31.6%
Virginia $678 -$454 -40.1%
Washington $874 -$258 -22.8%
West Virginia $1,038 -$94 -8.3%
Wisconsin $784 -$348 -30.7%
Wyoming $1,008 -$124 -11.0%

View Chart as Image

Kia Sedona insurance rates by U.S. city

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 $1,098 $92
Kia Sedona LX $1,132 $94
Kia Sedona EX $1,204 $100

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.

Kia Sedona Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Kia Sedona $238 $374 $384 $1,132
2017 Kia Sedona $230 $352 $388 $1,106
2014 Kia Sedona $198 $272 $394 $1,000
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 Buy the Best Kia Sedona Insurance

Finding cheaper rates on insurance for a Kia Sedona consists of being a good driver, having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Take the time to compare rates at least once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a brief recap of the primary concepts that were covered in the above illustrations.

  • Drivers can save around $130 per year just by quoting early and online
  • Drivers considered higher risk who tend to receive serious violations pay on average $1,310 more per year than a safer driver
  • Increasing comprehensive and collision deductibles could save up to $400 each year
  • Drivers age 16 to 20 have the highest car insurance rates, costing up to $356 each month if full coverage is included

Rates by Driver Age

Kia Sedona Insurance Rates by Driver Age
Driver Age Premium
16 $4,272
20 $2,590
30 $1,174
40 $1,132
50 $1,036
60 $1,016

Full coverage, $500 deductibles

Rates by Deductible

Kia Sedona Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,400
$250 $1,278
$500 $1,132
$1,000 $994

Full coverage, driver age 40

Rates by Liability Limit

Kia Sedona Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,132
50/100 $1,281
100/300 $1,377
250/500 $1,626
100 CSL $1,319
300 CSL $1,530
500 CSL $1,684

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Sedona Insurance Rates for High Risk Drivers
Age Premium
16 $6,082
20 $4,120
30 $2,484
40 $2,440
50 $2,324
60 $2,304

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 $155

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $60
Multi-vehicle $59
Homeowner $18
5-yr Accident Free $79
5-yr Claim Free $73
Paid in Full/EFT $49
Advance Quote $54
Online Quote $80
Total Discounts $472
Rate after discounts $660

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

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