Kia Sedona Insurance Rates

U.S. average insurance rates for a Kia Sedona are $868 a year with full coverage. Comprehensive insurance costs approximately $152 a year, collision costs $178, and liability insurance is estimated at $402. Buying just liability costs approximately $446 a year, with insurance for high-risk drivers costing $1,860 or more. Teen drivers pay the highest rates at $3,464 a year or more.

Average premium for full coverage: $868

Price estimates by individual coverage:

Full coverage includes $500 physical damage deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and Sedona trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of insurance. Rural locations have lower incidents of collision claims than larger metro areas.

The diagram below illustrates how where you live affects auto insurance prices.

The ranges above demonstrate why it is important to get quotes using their specific location, rather than relying on price averages.

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

More Rate Information

The chart below details 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 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $868
• Choosing low $100 deductibles for comp and collision coverage will cost an additional $144 a year
• High-risk insureds with multiple violations and an at-fault accident could pay around $1,860 or more
• The price that insures a teen driver can cost $3,464 each year

View Chart as Image

Insurance prices for a Kia Sedona are also quite variable based on the trim level of your Sedona, 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 additional each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 128% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $800 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $3,400 a year. View Rates by Age

The state you live in plays a big part in determining prices for Kia Sedona insurance rates. A good driver about age 40 could pay as low as $630 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,170 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $220 each year, while buying higher 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 more each 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 get quotes from as many companies as possible. Each auto insurer uses a different rate calculation, and 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 More Affordable Kia Sedona Insurance

Getting lower rates on Kia Sedona insurance takes being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Shop around every couple of years by getting quotes from direct companies, and also from local insurance agencies.

Below is a summary of the material that was touched on in the above illustrations.

• Drivers who purchase higher levels of liability will pay about $440 every year to raise limits from a low limit to the 250/500 level
• Teenage drivers are the costliest to insure, costing up to $289 a month if comprehensive and collision insurance is included
• High-risk drivers who have multiple accidents or major violations may have to pay on average $990 more per year for auto insurance
• Increasing physical damage deductibles can save approximately $225 each year