Kia Sedona Insurance Rates

The average insurance prices for a Kia Sedona are $868 every 12 months with full coverage. Comprehensive costs on average $152, collision costs $178, and liability costs $402. Liability-only coverage costs as little as $446 a year, with high-risk coverage costing around $1,860. Teenage 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 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Sedona trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on auto insurance rates. Rural areas are shown to have more infrequent collision claims than densely populated cities.

The price range example below illustrates how geographic area affects car insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, instead of using average rates.

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

Rate Comparisons

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

• The best discount rate is $530
• Drivers who choose higher $1,000 deductibles will pay around $74 annually
• The average price for a good driver age 40 with $500 deductibles is $868
• Using more expensive low deductibles for comprehensive and collision insurance increases the price to $1,012
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $1,860 or more
• Policy cost to insure a teen driver with full coverage may cost $3,464 a year

View Chart as Image

Insurance rates for a Kia Sedona also range considerably based on liability limits and deductibles, your driving record, and the trim level of your Sedona.

Using high physical damage deductibles could save up to $220 every year, while increasing your policy's liability limits will cost you more. Moving 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

An older driver with no violations or accidents and higher deductibles may pay as little as $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay upwards 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 may be forking out at a minimum $1,000 to $1,500 additional every year, depending on your age. High-risk driver insurance can cost as much as 43% to 128% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Kia Sedona insurance prices. A 40-year-old driver could pay as low as $630 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,170 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out exactly what you will pay is to compare rates and see which company has the best rate. Every company uses a different method to calculate rates, and rates will be varied.

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 the Best Cheap Kia Sedona Insurance

Finding cheaper rates on car insurance not only requires being a low-risk driver, but also having above-average credit, not filing small claims, and insuring your home and auto with the same company. Invest the time to compare rates at least once a year by requesting rates from direct companies, and also from local exclusive and independent agents.

The items below are a quick review of the primary concepts that were presented in the illustrations above.

• You may be able to save as much as $100 per year simply by shopping early and online
• Higher risk drivers with a DUI or reckless driving violation may pay on average $990 more each year to insure their Sedona
• Increasing comprehensive and collision deductibles could save as much as $225 each year
• Teen drivers pay higher rates, as much as $289 each month if full coverage is included