Kia Sedona Insurance Rates

The average insurance rates for a Kia Sedona are $868 a year including full coverage. Comprehensive costs approximately $152, collision insurance costs $178, and liability costs around $402. A liability-only policy costs as low as $446 a year, and high-risk insurance costs around $1,860. Teenage drivers cost the most to insure at up to $3,464 a year.

Average premium for full coverage: $868

Policy rates by type of insurance:

Estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for different Sedona trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The price range example below illustrates how location helps determine auto insurance prices.

The examples above highlight why anyone shopping for car insurance should compare prices using their specific location, instead of making a decision based on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $530
• Using higher $1,000 deductibles will save $74 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $868
• Using more expensive low deductibles for physical damage coverage bumps up the cost to $1,012
• High-risk insureds who are prone to accidents and violations could pay around $1,860
• Policy cost that insures a 16-year-old driver with full coverage can cost $3,464 or more

View Chart as Image

Car insurance rates for a Kia Sedona also range considerably based on the model year and trim level, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,000 to $1,500 extra every year, depending on your age. High-risk driver insurance can be from 43% to 128% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged in the ballpark of $3,400 a year. View Rates by Age

Your home state has a huge impact on Kia Sedona insurance prices. A driver around age 40 might see rates as low as $670 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,240 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $220 annually, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. 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 Low Cost Kia Sedona Insurance

Finding cheaper rates on insurance for a Kia Sedona requires being a safe and courteous driver, having a positive credit history, paying for small claims out-of-pocket, and attention to physical damage deductibles. Compare prices every other policy renewal by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.

Below is a review of the ideas that were covered in the charts and tables above.

• Teenage drivers pay the highest auto insurance rates, with premiums being up to $289 each month if full coverage is purchased
• Drivers considered higher risk who have several accidents or serious violations will likely pay on average $990 more per year for auto insurance
• Increasing comprehensive and collision deductibles can save approximately $225 each year
• You may be able to save around $100 per year just by shopping early and online