Kia Sedona Insurance Rates

Estimated insurance rates for a Kia Sedona are $868 a year for full coverage insurance. Comprehensive costs approximately $152 a year, collision costs $178, and liability coverage is $402. Liability-only insurance costs around $446 a year, with high-risk driver insurance costing around $1,860. Teenage drivers pay the most at $3,464 a year or more.

Average premium for full coverage: $868

Premium estimates by type of coverage:

Prices include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and Sedona trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities.

The diagram below illustrates how where you live affects auto insurance prices.

These rate differences illustrate why it is important to compare rates quotes using their specific location, rather than using average rates.

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

Additional Rate Analysis

The chart below illustrates estimated Kia Sedona insurance rates for additional coverage and risk scenarios.

• The best discount rate is $530
• Raising to $1,000 deductibles will save $794 each year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $868
• Using low $100 deductibles bumps up the cost to $1,012
• Unlucky drivers who are prone to accidents and violations could pay around $1,860 or more
• An auto insurance policy that insures a teenage driver can cost $3,464

View Chart as Image

Insurance prices for a Kia Sedona also have a wide range based on the trim level of your Sedona, your age and driving record, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,000 to $1,500 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 128% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $800 every 12 months on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $3,400 a year. View Rates by Age

Where you choose to live also has a big influence on Kia Sedona insurance rates. A middle-age driver might find prices as low as $570 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,170 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $220 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $362 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out who has the best car insurance prices is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate prices, and prices will be substantially different.

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 Find the Right Kia Sedona Insurance

Finding better rates on auto insurance consists of being safe and accident-free, having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Compare prices every time your policy renews by getting quotes from direct insurance companies, and also from your local car insurance providers.

Below you'll find a quick rundown of the information touched on in the above illustrations.

• It is possible to save around $100 per year simply by quoting early and online
• Youthful drivers are the costliest to insure, with premiums being up to $289 per month if comprehensive and collision insurance is included
• Increasing policy deductibles can save approximately $225 each year
• Drivers with reckless driving or DUI convictions could be charged and average of $990 more per year than a low-risk driver
• Consumers who purchase more liability protection will pay an extra $440 annually to raise from 30/60 bodily injury limits to the 250/500 level