Kia Sedona Insurance Rates

U.S. average insurance rates for a Kia Sedona are $868 a year with full coverage. Comprehensive costs approximately $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 pay the highest rates at $3,464 a year or more.

Average premium for full coverage: $868

Price estimates by individual coverage:

These estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for different Sedona trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on the price of insurance. Rural locations have lower incidents of collision claims than densely populated cities.

The price range example below illustrates how location helps determine auto insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare rates using their specific location, instead of making a decision based on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $530
• Drivers who choose higher $1,000 deductibles will pay $74 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $868
• Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,012
• Drivers who are prone to accidents and violations could pay around $1,860 or more
• The price that insures a 16-year-old driver with full coverage can cost $3,464 a year

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Auto insurance prices for a Kia Sedona are also quite variable based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,000 to $1,500 in extra premium each year, depending on your age. High-risk driver insurance can cost from 43% to 128% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $800 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $3,400 a year. View Rates by Age

The state you live in 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 Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,170 on average in New York, Michigan, and Florida.

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Using high physical damage deductibles could save up to $220 annually, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $362 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to compare prices from multiple companies. Every company uses a different method to calculate prices, and quoted prices may be quite 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 Cheap Kia Sedona Insurance

Getting lower rates on insurance for a Kia Sedona not only requires being a low-risk driver, but also maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Compare prices every time your policy renews by getting rate quotes from direct companies, and also from local insurance agencies.

The items below are a brief summary of the information covered in the charts and tables above.

• You may be able to save around $100 per year simply by shopping early and online
• Teen drivers have the highest car insurance prices, costing up to $289 a month if the policy includes full coverage
• Increasing physical damage deductibles can save approximately $225 each year
• Drivers considered higher risk that tend to have accidents or serious violations may have to pay on average $990 more per year to insure their Sedona
• Insureds who purchase more liability coverage will pay an extra $440 every year to go from a low limit to the 250/500 level