Kia Sedona Insurance Rates

The average insurance rates for a Kia Sedona are $868 a year including full coverage. Comprehensive insurance costs approximately $152, collision costs $178, and liability is $402. Buying just liability costs around $446 a year, with insurance for high-risk drivers costing $1,860 or more. Teens cost the most to insure at $3,464 a year or more.

Average premium for full coverage: $868

Policy rates by type of insurance:

Includes $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Sedona models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how geographic area affects auto insurance prices.

The examples above highlight why everyone should compare rates quotes using their specific location, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $530
• Raising to $1,000 deductibles will save $74 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $868
• Selecting pricier low deductibles will cost an additional $144 annually
• Drivers with serious driving violations could pay around $1,860 or more
• Policy cost that insures a 16-year-old driver for full coverage can cost $3,464

View Chart as Image

Insurance rates for a Kia Sedona also range considerably based on the model of your Sedona, 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. Kia Sedona insurance for high-risk drivers is expensive and can cost from 43% to 128% more than the average policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $800 every 12 months on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $3,400 a year. View Rates by Age

Your home state also has a big influence on Kia Sedona insurance prices. A middle-age driver might find rates as low as $670 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,240 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $220 annually, whereas buying more liability protection 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 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates from multiple companies. Every auto insurance company calculates rates differently, so the rates will be varied.

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 the Cheapest Kia Sedona Insurance

Finding cheaper rates on insurance for a Kia Sedona consists of being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Compare rates at every policy renewal by requesting quotes from direct car insurance companies, and also from local auto insurance providers.

Below you'll find a recap of the data presented in the illustrations above.

• Insureds who purchase more liability protection will pay approximately $440 per year to raise from a 30/60 limit to the 250/500 level
• You may be able to save around $100 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $225 each year
• Youthful drivers are expensive to insure, with premiums being up to $289 each month if full coverage is included