Kia Sedona Insurance Rates
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Written by
Jeffrey Johnson
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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:
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.
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.
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
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.
| 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% |
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
| 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.
| 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,538 |
| $250 | $1,390 |
| $500 | $1,214 |
| $1,000 | $1,044 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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