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...
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UPDATED: May 24, 2024
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The average insurance prices for a Kia Sedona are $868 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $152 a year, collision costs $178, and liability coverage is estimated at $402. Liability-only coverage costs approximately $446 a year, with high-risk coverage 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:
Rates are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Sedona trim levels.
Price Range Variability
For a driver around age 40, Kia Sedona insurance rates go from the cheapest price of $446 for a discount liability-only rate to a high of $1,860 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Living in a larger city has a large influence on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than larger metro areas.
The diagram below illustrates the difference between rural and urban areas on auto insurance prices.
The examples above illustrate why it is important to get quotes using their specific location and their own driving history, rather than using 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.
Rates by State, City, and Model
The chart below illustrates estimated Kia Sedona insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $530
- Choosing higher $1,000 deductibles can save $794 each year
- The average price for a good driver age 40 who chooses $500 deductibles is $868
- Choosing low $100 deductibles for comp and collision coverage costs an extra $144 each year
- Drivers with multiple violations and an at-fault accident could pay around $1,860 or more
- Policy cost to insure a teenage driver can cost $3,464 each year
Insurance rates for a Kia Sedona also range considerably based on liability limits and deductibles, your risk profile, and the model of your Sedona.
Choosing high deductibles can save as much as $220 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may only pay around $800 annually on average, or $67 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $3,400 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,000 to $1,500 additional every year, depending on your age. A high-risk auto insurance policy ranges around 43% to 128% more than average. View High Risk Driver Rates
Your home state 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 North Carolina, Wisconsin, and Vermont, or as much as $1,170 on average in Florida, New York, 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% |
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes and see how they stack up. Each auto insurer uses a different rate calculation, and rates will be varied.
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 Shop for the Best Cheap Kia Sedona Insurance
Finding cheaper rates on auto insurance takes avoiding accidents and violations, having above-average credit, being claim-free, and qualifying for all possible discounts. Set aside time to compare rates every other policy renewal by getting quotes from direct insurance companies, and also from local insurance agencies.
The list below is a quick review of the ideas that were covered above.
- Teenagers are the costliest to insure, possibly costing $289 each month if full coverage is included
- Drivers with a DUI or reckless driving violation may have to pay on average $990 more per year for car insurance
- Increasing comprehensive and collision deductibles could save as much as $225 each year
- It is possible to save around $100 per year simply by quoting early and online
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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