Kia Sedona Insurance Rates

The average insurance rates for a Kia Sedona are $896 a year for full coverage insurance. Comprehensive insurance costs on average $162, collision costs $196, and liability insurance costs $402. Buying just liability costs as little as $446 a year, with insurance for high-risk drivers costing $1,922 or more. Teens cost the most to insure at $3,550 a year or more.

Average premium for full coverage: $896

Policy rates by type of insurance:

Estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for different Sedona trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than cities with more traffic congestion.

The price range example below illustrates the effect of geographic area on car insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates based on a specific location and risk profile, rather than relying on averaged prices.

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

Additional Rate Analysis

The chart below illustrates estimated Kia Sedona insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $543
• Drivers who choose higher $1,000 deductibles will pay around $80 each year
• The average rate for a good driver age 40 with $500 deductibles is $896
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost an extra $154 a year
• High risk drivers with serious driving violations could pay upwards of $1,922 or more
• Policy cost for full coverage for a teen driver with full coverage may cost $3,550 a 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 policy deductibles and limits.

An older driver with a clean driving record and high deductibles could pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay upwards of $3,500 a year. View Rates by Age

Your home state makes a big difference in Kia Sedona insurance rates. A 40-year-old driver could pay as low as $590 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,210 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $240 each year, while increasing your policy's liability limits will cost you more. 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 at a minimum $1,100 to $1,500 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 136% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates from as many companies as possible. Every company 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 Low Cost Kia Sedona Insurance

Finding cheaper rates on Kia Sedona insurance not only requires being a low-risk driver, but also maintaining good credit, being claim-free, and bundling your home and auto policies. Take the time to compare rates at every other renewal by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The items below are a review of the concepts that were covered in the above illustrations.

• High-risk drivers who have several accidents or serious violations pay an average of $1,030 more each year to insure their Sedona
• Teen drivers pay the highest rates, possibly costing $296 each month for full coverage
• It is possible to save as much as $100 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $225 each year
• It is possible to save as much as $100 per year simply by shopping early and online