Kia Sedona Insurance Rates

The average insurance prices for a Kia Sedona are $868 every 12 months for full coverage. Comprehensive costs around $152 a year, collision costs $178, and liability costs around $402. Liability-only insurance costs as low as $446 a year, with high-risk driver insurance costing around $1,860. Teenage 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:

Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and Sedona trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than densely populated cities.

The diagram below illustrates how where you live affects auto insurance rates.

The examples above show why it is important to compare prices for a specific zip code and their own driving history, instead of using average rates.

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

Additional Charts and Tables

The chart below shows estimated Kia Sedona insurance rates for additional coverage choices and driver risks.

• The best discount rate is $530
• Using higher $1,000 deductibles will save about $794 a year
• The average price for a good driver age 40 using $500 deductibles is $868
• Using low $100 deductibles for physical damage coverage increases the price to $1,012
• Drivers who are prone to accidents and violations could pay at least $1,860 or more
• Policy cost to insure a teen driver can be $3,464 or more

View Chart as Image

Auto insurance rates for a Kia Sedona also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.

Using high physical damage deductibles could cut rates by as much as $220 every year, while buying higher liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as little as $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay as much as $3,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,000 to $1,500 in extra premium every year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 128% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Kia Sedona insurance prices. A driver around age 40 might see rates as low as $570 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,240 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know your exact price is to get quotes and see which company has the best rate. Each insurance company uses a different method to calculate rates, and quoted 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 Shop for the Best Cheap Kia Sedona Insurance

Finding cheaper rates on car insurance requires avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop once a year by requesting rates from direct carriers, and also from local exclusive and independent agents.

The list below is a quick review of the data that was touched on in the above illustrations.

• Drivers can save up to $100 per year simply by quoting early and online
• Policyholders who may need higher liability limits will pay an extra $440 each year to increase from a 30/60 limit to a 250/500 level
• Teenagers are expensive to insure, costing up to $289 each month if comprehensive and collision insurance is included
• Higher risk drivers with a DUI or reckless driving violation may pay on average $990 more every year for car insurance