Kia Sedona Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 3, 2023
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U.S. average auto insurance rates for a Kia Sedona are $868 annually for full coverage. Comprehensive costs an estimated $152 a year, collision insurance costs $178, and liability insurance is estimated at $402. A policy with just liability insurance costs approximately $446 a year, and coverage for high-risk drivers costs around $1,860. Teen drivers pay the highest rates at up to $3,464 a year.
Average premium for full coverage: $868
Price estimates broken down by individual coverage:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Sedona trim levels.
Price Range from Low to High
For a 40-year-old driver, Kia Sedona insurance prices range from as cheap as $446 for just the minimum liability insurance to a high of $1,860 for a high-risk insurance policy.
Geographic Price Range
Living in a larger city has a significant impact on insurance rates. More rural locations have fewer accident claims than larger metro areas. The diagram below illustrates how your location can change insurance prices.
The ranges above show why it is important to get quotes for a targeted area and their own personal driving habits, rather than relying on price 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 Rate Analysis
The chart below shows average Kia Sedona insurance rates for other coverage scenarios.
- The lowest rate with discounts is $530
- Choosing higher $1,000 deductibles can save approximately $794 a year
- The estimated rate for the average middle-age driver who has $500 deductibles is $868
- Choosing low $100 deductibles for comp and collision coverage will cost $1,012
- High-risk insureds with multiple violations and an at-fault accident could pay up to $1,860
- The price with full coverage for a teen driver can cost as much as $3,464 each year
Insurance prices for a Kia Sedona are also quite variable based on the trim level and model year, your driver profile, and liability limits and deductibles.
Older drivers with a clean driving record and high physical damage deductibles could pay as little as $800 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay at least $3,400 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying $1,000 to $1,500 extra each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 128% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $220 each year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Kia Sedona insurance rates. A good driver about age 40 could pay as low as $570 a year in states like Iowa, Maine, and Idaho, or as much as $1,240 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $786 | -$82 | -9.4% |
| Alaska | $666 | -$202 | -23.3% |
| Arizona | $720 | -$148 | -17.1% |
| Arkansas | $868 | -$0 | 0.0% |
| California | $990 | $122 | 14.1% |
| Colorado | $828 | -$40 | -4.6% |
| Connecticut | $892 | $24 | 2.8% |
| Delaware | $980 | $112 | 12.9% |
| Florida | $1,082 | $214 | 24.7% |
| Georgia | $804 | -$64 | -7.4% |
| Hawaii | $624 | -$244 | -28.1% |
| Idaho | $588 | -$280 | -32.3% |
| Illinois | $646 | -$222 | -25.6% |
| Indiana | $656 | -$212 | -24.4% |
| Iowa | $586 | -$282 | -32.5% |
| Kansas | $826 | -$42 | -4.8% |
| Kentucky | $1,184 | $316 | 36.4% |
| Louisiana | $1,286 | $418 | 48.2% |
| Maine | $536 | -$332 | -38.2% |
| Maryland | $718 | -$150 | -17.3% |
| Massachusetts | $692 | -$176 | -20.3% |
| Michigan | $1,508 | $640 | 73.7% |
| Minnesota | $728 | -$140 | -16.1% |
| Mississippi | $1,040 | $172 | 19.8% |
| Missouri | $770 | -$98 | -11.3% |
| Montana | $932 | $64 | 7.4% |
| Nebraska | $682 | -$186 | -21.4% |
| Nevada | $1,042 | $174 | 20.0% |
| New Hampshire | $626 | -$242 | -27.9% |
| New Jersey | $972 | $104 | 12.0% |
| New Mexico | $768 | -$100 | -11.5% |
| New York | $914 | $46 | 5.3% |
| North Carolina | $500 | -$368 | -42.4% |
| North Dakota | $714 | -$154 | -17.7% |
| Ohio | $600 | -$268 | -30.9% |
| Oklahoma | $888 | $20 | 2.3% |
| Oregon | $796 | -$72 | -8.3% |
| Pennsylvania | $828 | -$40 | -4.6% |
| Rhode Island | $1,158 | $290 | 33.4% |
| South Carolina | $788 | -$80 | -9.2% |
| South Dakota | $732 | -$136 | -15.7% |
| Tennessee | $760 | -$108 | -12.4% |
| Texas | $1,046 | $178 | 20.5% |
| Utah | $644 | -$224 | -25.8% |
| Vermont | $592 | -$276 | -31.8% |
| Virginia | $520 | -$348 | -40.1% |
| Washington | $670 | -$198 | -22.8% |
| West Virginia | $796 | -$72 | -8.3% |
| Wisconsin | $600 | -$268 | -30.9% |
| Wyoming | $772 | -$96 | -11.1% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Kia Sedona | $850 | $71 |
| Kia Sedona LX | $868 | $72 |
| Kia Sedona EX | $906 | $76 |
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 | $248 | $404 | $376 | $1,164 |
| 2020 Kia Sedona | $238 | $374 | $384 | $1,132 |
| 2019 Kia Sedona | $230 | $352 | $388 | $1,106 |
| 2018 Kia Sedona | $220 | $316 | $390 | $1,062 |
| 2017 Kia Sedona | $206 | $292 | $390 | $1,024 |
| 2016 Kia Sedona | $198 | $272 | $394 | $1,000 |
| 2015 Kia Sedona | $194 | $254 | $402 | $986 |
| 2014 Kia Sedona | $180 | $236 | $402 | $954 |
| 2012 Kia Sedona | $162 | $196 | $402 | $896 |
| 2011 Kia Sedona | $152 | $178 | $402 | $868 |
| 2010 Kia Sedona | $148 | $160 | $398 | $842 |
| 2008 Kia Sedona | $144 | $150 | $384 | $814 |
| 2007 Kia Sedona | $132 | $142 | $380 | $790 |
| 2006 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 Buy More Affordable Kia Sedona Insurance
Getting lower rates on Kia Sedona insurance takes having a decent driving record, having a good credit history, eliminating unnecessary coverage, and deciding if full coverage is necessary. Invest the time to shop around at least every other year by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following items are a summary of the car insurance concepts illustrated above.
- High-risk drivers who have multiple accidents or major violations may pay on average $990 more annually than a driver with a clean driving record
- Drivers can save approximately $100 per year just by quoting early and online
- Increasing physical damage deductibles could save up to $225 each year
- Drivers who want additional liability coverage will pay about $440 each year to raise limits from a low limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,464 |
| 20 | $1,972 |
| 30 | $884 |
| 40 | $868 |
| 50 | $796 |
| 60 | $780 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,012 |
| $250 | $948 |
| $500 | $868 |
| $1,000 | $794 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $868 |
| 50/100 | $986 |
| 100/300 | $1,087 |
| 250/500 | $1,348 |
| 100 CSL | $1,027 |
| 300 CSL | $1,248 |
| 500 CSL | $1,409 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,882 |
| 20 | $3,136 |
| 30 | $1,876 |
| 40 | $1,860 |
| 50 | $1,774 |
| 60 | $1,756 |
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 | $44 |
| Multi-vehicle | $46 |
| Homeowner | $15 |
| 5-yr Accident Free | $52 |
| 5-yr Claim Free | $54 |
| Paid in Full/EFT | $31 |
| Advance Quote | $37 |
| Online Quote | $59 |
| Total Discounts | $338 |
Discounts are estimated and may not be available from every company or in every state.
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