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Kia Sedona Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: May 1, 2020

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U.S. average insurance rates for a Kia Sedona are $1,214 a year for full coverage. Comprehensive costs approximately $294, collision insurance costs $452, and liability coverage costs $332. Liability-only insurance costs as little as $388 a year, and high-risk driver insurance costs around $2,594. Teens pay the highest rates at up to $4,408 a year.

Average premium for full coverage: $1,214

Price estimates by individual coverage:

Comprehensive $294
Collision $452
Liability $332

Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for different Sedona trim levels.

Price Range from Low to High

For a driver in their 40's, Kia Sedona insurance prices range from the low end price of $388 for your basic liability-only policy to a much higher rate of $2,594 for a driver who has had serious violations or accidents.

Liability Only $388
Full Coverage $1,214
High Risk $2,594

Geographic Price Range

Your location has a large influence on car insurance rates. Rural locations have lower incidents of accident claims than cities with more traffic congestion. The price range example below illustrates how location helps determine auto insurance prices.

Rural Areas $911
Small Cities $1,275
Large Cities $1,639

The ranges above show why anyone shopping for car insurance should compare rates using their specific location, rather than using averaged prices.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

More Rate Information

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

  • The cheapest rate after discounts is $706
  • Drivers who choose higher $1,000 deductibles will pay $170 a year
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $1,214
  • Selecting more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,538
  • High-risk insureds with serious driving violations could pay around $2,594
  • The price that insures a teenage driver with full coverage can cost $4,408 a year

View Chart as Image

Kia Sedona insurance cost comparison chart
Column chart showing Kia Sedona insurance rates range from $706 to $4,408 for full coverage

Car insurance prices for a Kia Sedona are also quite variable based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,400 to $1,900 extra each year, depending on your age. High-risk driver insurance can cost around 43% to 129% more than the average policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $4,400 a year. View Rates by Age

The state you live in makes a big difference in Kia Sedona insurance rates. A 40-year-old driver could pay as low as $800 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,730 on average in New York, Louisiana, and Michigan.

Kia Sedona Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,096 -$118 -9.7%
Alaska $930 -$284 -23.4%
Arizona $1,004 -$210 -17.3%
Arkansas $1,214 -$0 0.0%
California $1,380 $166 13.7%
Colorado $1,154 -$60 -4.9%
Connecticut $1,244 $30 2.5%
Delaware $1,368 $154 12.7%
Florida $1,512 $298 24.5%
Georgia $1,120 -$94 -7.7%
Hawaii $870 -$344 -28.3%
Idaho $820 -$394 -32.5%
Illinois $900 -$314 -25.9%
Indiana $914 -$300 -24.7%
Iowa $816 -$398 -32.8%
Kansas $1,148 -$66 -5.4%
Kentucky $1,652 $438 36.1%
Louisiana $1,792 $578 47.6%
Maine $748 -$466 -38.4%
Maryland $1,000 -$214 -17.6%
Massachusetts $964 -$250 -20.6%
Michigan $2,104 $890 73.3%
Minnesota $1,016 -$198 -16.3%
Mississippi $1,450 $236 19.4%
Missouri $1,074 -$140 -11.5%
Montana $1,300 $86 7.1%
Nebraska $956 -$258 -21.3%
Nevada $1,454 $240 19.8%
New Hampshire $874 -$340 -28.0%
New Jersey $1,354 $140 11.5%
New Mexico $1,072 -$142 -11.7%
New York $1,274 $60 4.9%
North Carolina $696 -$518 -42.7%
North Dakota $994 -$220 -18.1%
Ohio $834 -$380 -31.3%
Oklahoma $1,242 $28 2.3%
Oregon $1,112 -$102 -8.4%
Pennsylvania $1,154 -$60 -4.9%
Rhode Island $1,616 $402 33.1%
South Carolina $1,098 -$116 -9.6%
South Dakota $1,022 -$192 -15.8%
Tennessee $1,058 -$156 -12.9%
Texas $1,462 $248 20.4%
Utah $898 -$316 -26.0%
Vermont $826 -$388 -32.0%
Virginia $724 -$490 -40.4%
Washington $934 -$280 -23.1%
West Virginia $1,112 -$102 -8.4%
Wisconsin $838 -$376 -31.0%
Wyoming $1,080 -$134 -11.0%

View Chart as Image

Kia Sedona insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $500 a year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $299 extra every 12 months. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Kia Sedona Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Kia Sedona $1,170 $98
Kia Sedona LX $1,214 $101
Kia Sedona EX $1,300 $108

Rates assume 2020 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.

Kia Sedona Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Kia Sedona $294 $452 $332 $1,214
2019 Kia Sedona $282 $448 $338 $1,204
2018 Kia Sedona $272 $436 $354 $1,198
2017 Kia Sedona $262 $418 $364 $1,180
2016 Kia Sedona $248 $404 $376 $1,164
2015 Kia Sedona $238 $374 $384 $1,132
2014 Kia Sedona $230 $352 $388 $1,106
2012 Kia Sedona $206 $292 $390 $1,024
2011 Kia Sedona $198 $272 $394 $1,000
2010 Kia Sedona $194 $254 $402 $986
2009 Kia Sedona $180 $236 $402 $954
2008 Kia Sedona $174 $214 $406 $930
2007 Kia Sedona $162 $196 $402 $896
2006 Kia Sedona $152 $178 $402 $868
2005 Kia Sedona $148 $160 $398 $842
2004 Kia Sedona $146 $156 $390 $828
2003 Kia Sedona $144 $150 $384 $814
2002 Kia Sedona $132 $142 $380 $790

Rates are averaged for all Kia Sedona models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Low Cost Kia Sedona Insurance

Getting lower rates on auto insurance not only requires having a decent driving record, but also having a positive credit history, eliminating unnecessary coverage, and attention to physical damage deductibles. Compare rates every other policy renewal by getting rate quotes from direct carriers, and also from insurance agencies where you live.

The following items are a review of the ideas that were covered in the charts and tables above.

  • 16 to 18-year-old drivers pay the highest auto insurance prices, with premiums as much as $367 a month if full coverage is purchased
  • Drivers who have several accidents or serious violations could be forced to pay on average $1,380 more per year than a driver with a clean driving record
  • Increasing physical damage deductibles can save approximately $500 each year
  • Drivers can save around $150 per year just by shopping early and online

Rates by Driver Age

Kia Sedona Insurance Rates by Driver Age
Driver Age Premium
16 $4,408
20 $2,752
30 $1,266
40 $1,214
50 $1,104
60 $1,082

Full coverage, $500 deductibles

Rates by Deductible

Kia Sedona Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,538
$250 $1,390
$500 $1,214
$1,000 $1,044

Full coverage, driver age 40

Rates by Liability Limit

Kia Sedona Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,214
50/100 $1,366
100/300 $1,449
250/500 $1,665
100 CSL $1,400
300 CSL $1,582
500 CSL $1,715

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Sedona Insurance Rates for High Risk Drivers
Age Premium
16 $6,292
20 $4,370
30 $2,656
40 $2,594
50 $2,470
60 $2,446

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $164

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $65
Multi-vehicle $61
Homeowner $17
5-yr Accident Free $88
5-yr Claim Free $77
Paid in Full/EFT $55
Advance Quote $59
Online Quote $86
Total Discounts $508
Rate after discounts $706

Discounts are estimated and may not be available from every company or in every state.

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