Kia Sedona Insurance Rates

Average insurance prices for a Kia Sedona are $896 every 12 months including full coverage. Comprehensive costs an estimated $162 a year, collision insurance costs $196, 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 $1,922. Teenage drivers receive the highest rates at up to $3,550 a year.

Average premium for full coverage: $896

Rate estimates broken down by individual coverage type:

These estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Sedona trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than densely populated cities. The diagram below illustrates how location impacts insurance prices.

These examples highlight why it is important to get quotes for a targeted area and their own driving history, rather than relying on average rates.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below breaks down average Kia Sedona insurance rates for other coverage scenarios.

• The best discount rate is $543
• Choosing higher $1,000 deductibles can save approximately $816 every year
• The average price for a 40-year-old driver who has $500 deductibles is $896
• Using low $100 deductibles for comp and collision coverage increases the price to $1,050
• High-risk insureds who are prone to accidents and violations could pay up to $1,922
• The cost to insure a teen driver can cost as much as $3,550 each year

View Chart as Image

Insurance rates for a Kia Sedona can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles can save as much as $240 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles could pay as little as $900 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay at least $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 $1,100 to $1,500 additional per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 136% more than a normal policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Kia Sedona insurance rates. A good driver about age 40 could pay as low as $690 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,280 on average in Louisiana, New York, and Michigan.

View Chart as Image

Insurance Rates by Trim Level and Model Year

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.

How to Shop for Cheap Kia Sedona Insurance

Saving money on Kia Sedona insurance takes being a safe and courteous driver, having above-average credit, not filing small claims, and possibly raising deductibles. Spend time shopping around every year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

Below is a brief summary of the coverage data touched on above.

• You may be able to save approximately $100 per year just by quoting early and online
• Increasing deductibles could save as much as $225 each year
• Teenage drivers are expensive to insure, as much as $296 per month if full coverage is included
• High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,030 more annually for auto insurance