Kia Sedona Insurance Rates

The average auto insurance rates for a Kia Sedona are $868 annually for full coverage. Comprehensive insurance costs on average $152 each year, collision costs $178, and liability costs around $402. Buying just liability costs as low as $446 a year, with insurance for high-risk drivers costing $1,860 or more. Teen drivers cost the most to insure at $3,464 a year or more.

Average premium for full coverage: $868

Policy rates by type of insurance:

Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and Sedona models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have fewer accident claims than larger metro areas.

The graphic below illustrates the effect of geographic area on car insurance rates.

The examples above show why all drivers should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on price averages.

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

Rates by State, City, and Model

The chart below shows estimated Kia Sedona insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $530
• Using higher $1,000 deductibles will save around $74 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $868
• Choosing low deductibles for physical damage coverage costs an additional $144 annually
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $1,860 or more
• Policy cost with full coverage for a 16-year-old driver may cost $3,464 or more

View Chart as Image

Insurance rates for a Kia Sedona also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $800 a year, or $67 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay upwards of $3,400 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 at a minimum $1,000 to $1,500 extra every year, depending on your age. Insurance for high-risk drivers can be from 43% to 128% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $220 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $362 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Kia Sedona insurance prices. A driver around age 40 might see rates as low as $570 a year in states like Idaho, Maine, and Iowa, or as much as $1,240 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, so the rates will be varied between companies.

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 Buy Low Cost Kia Sedona Insurance

Finding cheaper rates on insurance for a Kia Sedona requires avoiding accidents and violations, having a good credit history, avoid buying unnecessary coverage, and bundling your home and auto policies. Take the time to compare rates at least every other year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The list below is a review of the car insurance concepts covered in the above illustrations.

• Drivers considered higher risk who have several accidents or serious violations may be required to pay an average of $990 more each year for car insurance
• Drivers can save as much as $100 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $225 each year
• Insureds who require higher liability limits will pay about $440 each year to increase from a 30/60 limit to higher 250/500 limits