Kia Sedona Insurance Rates

Average insurance rates for a Kia Sedona are $868 a year for full coverage insurance. Comprehensive insurance costs approximately $152, collision costs $178, and liability insurance is $402. A policy with just liability insurance costs around $446 a year, with coverage for high-risk drivers costing $1,860 or more. Teenage drivers receive the highest rates at $3,464 a year or more.

Average premium for full coverage: $868

Rate estimates by individual coverage type:

These estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for different Sedona trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than densely populated cities.

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

These examples illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, rather than relying on average rates.

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

More Rate Information

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 $74 each year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $868
• Using more expensive low deductibles will cost an extra $144 a year
• Higher-risk drivers who are prone to accidents and violations could pay around $1,860 or more
• The cost for full coverage for a teen driver with full coverage can cost $3,464

View Chart as Image

Insurance rates for a Kia Sedona can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high deductibles could pay as little as $800 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay in the ballpark of $3,400 a year. View Rates by Age

Where you live also has a big influence on Kia Sedona insurance rates. A middle-age driver might find rates 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 rates by up to $220 each year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,000 to $1,500 additional per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 128% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out who has the best car insurance rates is to compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and rates can be significantly different from one company to the next.

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

Saving money on Kia Sedona insurance consists of being a low-risk driver, having a good credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around at every policy renewal by requesting quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The items below are a brief summary of the data touched on above.

• Drivers who purchase more liability coverage will pay an extra $440 annually to raise from a minimum limit to 250/500 limits
• It is possible to save around $100 per year simply by shopping early and online
• Increasing deductibles can save around $225 each year
• Teen drivers are the costliest to insure, costing up to $289 per month including comprehensive and collision insurance