Kia Sedona Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 24, 2024
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The average auto insurance rates for a Kia Sedona are $868 annually for full coverage. Comprehensive insurance costs around $152, collision costs $178, and liability coverage is $402. A liability-only policy costs around $446 a year, with high-risk insurance costing $1,860 or more. Teen drivers cost the most to insure at $3,464 a year or more.
Average premium for full coverage: $868
Policy rates for type of insurance:
Full coverage includes $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for all Sedona models.
Price Range Variability
For the average driver, Kia Sedona insurance rates go from as cheap as $446 for just liability coverage to the much higher price of $1,860 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than larger metro areas.
The example below illustrates how location impacts auto insurance rates.
The examples above show why everyone should compare rates quotes for a specific zip code and their own personal driving habits, rather than using price averages.
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.
Detailed Rate Analysis
The chart below shows estimated Kia Sedona insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $530
- Raising to $1,000 deductibles will save about $74 a year
- The estimated rate for a good driver age 40 using $500 deductibles is $868
- Choosing pricier low deductibles costs an additional $144 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $1,860 or more
- Policy cost with full coverage for a teenage driver for full coverage can be $3,464
Car insurance rates for a Kia Sedona also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.
A more mature driver with no driving violations and high physical damage deductibles may only pay around $800 every 12 months on average, or $67 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged as much as $3,400 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,000 to $1,500 extra every year, depending on your age. Kia Sedona insurance for high-risk drivers is expensive and can cost around 43% to 128% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $220 a year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Kia Sedona insurance rates. A middle-age driver might find rates as low as $570 a year in states like Idaho, Maine, and Iowa, or as much as $1,240 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $786 | -$82 | -9.4% |
| Alaska | $666 | -$202 | -23.3% |
| Arizona | $720 | -$148 | -17.1% |
| Arkansas | $868 | -$0 | 0.0% |
| California | $990 | $122 | 14.1% |
| Colorado | $828 | -$40 | -4.6% |
| Connecticut | $892 | $24 | 2.8% |
| Delaware | $980 | $112 | 12.9% |
| Florida | $1,082 | $214 | 24.7% |
| Georgia | $804 | -$64 | -7.4% |
| Hawaii | $624 | -$244 | -28.1% |
| Idaho | $588 | -$280 | -32.3% |
| Illinois | $646 | -$222 | -25.6% |
| Indiana | $656 | -$212 | -24.4% |
| Iowa | $586 | -$282 | -32.5% |
| Kansas | $826 | -$42 | -4.8% |
| Kentucky | $1,184 | $316 | 36.4% |
| Louisiana | $1,286 | $418 | 48.2% |
| Maine | $536 | -$332 | -38.2% |
| Maryland | $718 | -$150 | -17.3% |
| Massachusetts | $692 | -$176 | -20.3% |
| Michigan | $1,508 | $640 | 73.7% |
| Minnesota | $728 | -$140 | -16.1% |
| Mississippi | $1,040 | $172 | 19.8% |
| Missouri | $770 | -$98 | -11.3% |
| Montana | $932 | $64 | 7.4% |
| Nebraska | $682 | -$186 | -21.4% |
| Nevada | $1,042 | $174 | 20.0% |
| New Hampshire | $626 | -$242 | -27.9% |
| New Jersey | $972 | $104 | 12.0% |
| New Mexico | $768 | -$100 | -11.5% |
| New York | $914 | $46 | 5.3% |
| North Carolina | $500 | -$368 | -42.4% |
| North Dakota | $714 | -$154 | -17.7% |
| Ohio | $600 | -$268 | -30.9% |
| Oklahoma | $888 | $20 | 2.3% |
| Oregon | $796 | -$72 | -8.3% |
| Pennsylvania | $828 | -$40 | -4.6% |
| Rhode Island | $1,158 | $290 | 33.4% |
| South Carolina | $788 | -$80 | -9.2% |
| South Dakota | $732 | -$136 | -15.7% |
| Tennessee | $760 | -$108 | -12.4% |
| Texas | $1,046 | $178 | 20.5% |
| Utah | $644 | -$224 | -25.8% |
| Vermont | $592 | -$276 | -31.8% |
| Virginia | $520 | -$348 | -40.1% |
| Washington | $670 | -$198 | -22.8% |
| West Virginia | $796 | -$72 | -8.3% |
| Wisconsin | $600 | -$268 | -30.9% |
| Wyoming | $772 | -$96 | -11.1% |
Because rates have so much variability, the only way to know your exact price is to regularly compare rates and see how they stack up. Every auto insurance company uses a different rate calculation, so rate quotes will be varied between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Kia Sedona | $850 | $71 |
| Kia Sedona LX | $868 | $72 |
| Kia Sedona EX | $906 | $76 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Kia Sedona | $248 | $404 | $376 | $1,164 |
| 2020 Kia Sedona | $238 | $374 | $384 | $1,132 |
| 2019 Kia Sedona | $230 | $352 | $388 | $1,106 |
| 2018 Kia Sedona | $220 | $316 | $390 | $1,062 |
| 2017 Kia Sedona | $206 | $292 | $390 | $1,024 |
| 2016 Kia Sedona | $198 | $272 | $394 | $1,000 |
| 2015 Kia Sedona | $194 | $254 | $402 | $986 |
| 2014 Kia Sedona | $180 | $236 | $402 | $954 |
| 2012 Kia Sedona | $162 | $196 | $402 | $896 |
| 2011 Kia Sedona | $152 | $178 | $402 | $868 |
| 2010 Kia Sedona | $148 | $160 | $398 | $842 |
| 2008 Kia Sedona | $144 | $150 | $384 | $814 |
| 2007 Kia Sedona | $132 | $142 | $380 | $790 |
| 2006 Kia Sedona | $126 | $134 | $376 | $772 |
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 Buy More Affordable Kia Sedona Insurance
Finding cheaper rates on auto insurance consists of being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around every couple of years by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
Below you'll find a summary of the material that was touched on above.
- Consumers who may need more liability protection will pay about $440 each year to raise from a 30/60 limit to higher 250/500 limits
- Youthful drivers are the costliest to insure, costing up to $289 each month if comprehensive and collision insurance is included
- Drivers who have multiple accidents or major violations pay an average of $990 more every year than a low-risk driver
- Increasing comprehensive and collision deductibles could save up to $225 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,464 |
| 20 | $1,972 |
| 30 | $884 |
| 40 | $868 |
| 50 | $796 |
| 60 | $780 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,012 |
| $250 | $948 |
| $500 | $868 |
| $1,000 | $794 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $868 |
| 50/100 | $986 |
| 100/300 | $1,087 |
| 250/500 | $1,348 |
| 100 CSL | $1,027 |
| 300 CSL | $1,248 |
| 500 CSL | $1,409 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,882 |
| 20 | $3,136 |
| 30 | $1,876 |
| 40 | $1,860 |
| 50 | $1,774 |
| 60 | $1,756 |
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 | $44 |
| Multi-vehicle | $46 |
| Homeowner | $15 |
| 5-yr Accident Free | $52 |
| 5-yr Claim Free | $54 |
| Paid in Full/EFT | $31 |
| Advance Quote | $37 |
| Online Quote | $59 |
| Total Discounts | $338 |
Discounts are estimated and may not be available from every company or in every state.
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