Kia Sedona Insurance Rates

Estimated insurance rates for a Kia Sedona are $896 a year for full coverage insurance. Comprehensive costs approximately $162, collision costs $196, and liability coverage costs $402. A policy with only liability insurance costs as little as $446 a year, with a high-risk policy costing around $1,922. Teenage drivers pay the most at $3,550 a year or more.

Average premium for full coverage: $896

Premium estimates by type of coverage:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for different Sedona trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

These rate differences illustrate why anyone shopping for car insurance should compare rates using their specific location, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $543
• Drivers who choose higher $1,000 deductibles will pay $80 each year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $896
• Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,050
• High-risk insureds who are prone to accidents and violations could pay around $1,922 or more
• An auto insurance policy that insures a teenage driver with full coverage can cost $3,550 a year

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

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,100 to $1,500 extra annually, depending on your age. High-risk driver insurance can cost around 42% to 136% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $3,500 a year. View Rates by Age

Where you choose to live 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 North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,210 on average in Florida, New York, and Michigan.

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Using high physical damage deductibles could save up to $240 a year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out who has the best car insurance prices is to compare prices and see how they stack up. Every company uses a different method to calculate prices, so rate quotes will be substantially different.

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 Affordable Kia Sedona Insurance

Finding better rates on auto insurance not only requires being safe and accident-free, but also having a positive credit history, paying for small claims out-of-pocket, and avoiding coverage lapses. Compare prices once a year by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

Below you'll find a brief review of the data that was covered above.

• It is possible to save around $100 per year simply by shopping early and online
• Consumers who purchase more liability protection will pay an extra $440 annually to go from 30/60 bodily injury limits to the 250/500 level
• Youthful drivers pay the highest auto insurance prices, with premiums being up to $296 per month if full coverage is purchased
• Drivers with DUI or reckless driving convictions could be charged and average of $1,030 more per year than a low-risk driver