Kia Sedona Insurance Rates

The average insurance rates for a Kia Sedona are $896 a year with full coverage. Comprehensive costs approximately $162 a year, collision insurance costs $196, and liability costs $402. Liability-only coverage costs as little as $446 a year, and high-risk coverage costs around $1,922. 16-year-old drivers cost the most to insure at up to $3,550 a year.

Average premium for full coverage: $896

Policy rates by type of insurance:

These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Sedona trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. Rural locations are shown to have lower incidents of collision claims than congested cities. The diagram below illustrates the effect of geographic area on auto insurance prices.

The examples above demonstrate why it is important to compare rates using their specific location, instead of using rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $543
• Drivers who choose higher $1,000 deductibles will pay $816 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $896
• Buying low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,050
• Higher-risk drivers with multiple tickets or accidents could pay around $1,922
• Policy cost that insures a teen driver can cost $3,550 a year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,100 to $1,500 additional every year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 136% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $3,500 a year. View Rates by Age

Your home state makes a big difference in Kia Sedona insurance prices. A 40-year-old driver could pay as low as $650 a year in states like Utah, Ohio, and New Hampshire, or at least $1,210 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles could save up to $240 every year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

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

Finding cheaper rates on car insurance not only requires avoiding accidents and violations, but also having a good credit score, not filing small claims, and consideration of higher deductibles. Comparison shop at least every other year by getting quotes from direct companies, and also from local insurance agencies.

The list below is a brief summary of the car insurance concepts covered in the above illustrations.

• Higher risk drivers that tend to have accidents or serious violations may have to pay on average $1,030 more per year for car insurance
• You may be able to save around $100 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $225 each year
• Policyholders who purchase higher liability limits will pay around $440 every year to go from a 30/60 limit to the 250/500 level