Kia Sedona Insurance Rates

The average insurance rates for a Kia Sedona are $868 a year for full coverage insurance. Comprehensive insurance costs approximately $152, collision costs $178, and liability insurance is estimated at $402. Buying just liability costs approximately $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:

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different Sedona trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than cities with more traffic congestion.

The price range example below illustrates how rural and urban location affects auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should get quotes using their specific location and risk profile, rather than relying on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $530
• Choosing higher $1,000 deductibles can save $74 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $868
• Selecting more expensive low deductibles for comp and collision coverage will cost an extra $144 a year
• High-risk insureds with serious driving violations could pay around $1,860 or more
• Policy cost for full coverage for a teen driver with full coverage can cost $3,464 each year

View Chart as Image

Insurance rates for a Kia Sedona also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles could pay as little as $800 annually on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay in the ballpark of $3,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Kia Sedona insurance rates. A good driver about age 40 could pay as low as $570 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,170 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $220 each year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $362 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,000 to $1,500 extra every year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 128% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates from as many companies as possible. Each auto insurer calculates rates differently, so the rates will be varied from one company to the next.

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 More Affordable Kia Sedona Insurance

Finding cheaper rates on Kia Sedona insurance takes being safe and accident-free, maintaining good credit, being claim-free, and maximizing policy discounts. Set aside time to shop around at least every other year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a summary of the car insurance concepts raised in the charts and tables above.

• High-risk drivers who have multiple accidents or major violations may pay on average $990 more per year than a low-risk driver
• It is possible to save around $100 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $225 each year
• Drivers who purchase more liability protection will pay approximately $440 annually to raise limits from a 30/60 limit to 250/500 limits