Kia Sedona Insurance Rates

The average insurance rates for a Kia Sedona are $868 a year with full coverage. Comprehensive costs on average $152, collision costs $178, and liability insurance 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 by type of insurance:

Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for all Sedona models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than densely populated cities.

The example below illustrates how location impacts car insurance rates.

The examples above demonstrate why everyone should compare prices based on a specific location, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $530
• Using higher $1,000 deductibles will save around $74 annually
• The estimated price for a good driver age 40 with $500 deductibles is $868
• Using pricier low deductibles for physical damage coverage bumps up the cost to $1,012
• Drivers who are prone to accidents and violations could pay upwards of $1,860 or more
• Policy cost that insures a teen driver for full coverage may cost $3,464 or more

View Chart as Image

Auto insurance rates for a Kia Sedona also range considerably based on the model of your Sedona, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,000 to $1,500 in extra premium every year, depending on your age. Kia Sedona insurance for high-risk drivers can be anywhere from 43% to 128% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay upwards of $3,400 a year. View Rates by Age

Your home state has a huge impact on Kia Sedona insurance rates. A driver around age 40 might see rates as low as $630 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,170 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $220 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates from as many companies as possible. 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 Find Low Cost Kia Sedona Insurance

Finding cheaper rates on Kia Sedona insurance requires avoiding accidents and violations, maintaining a good credit score, not filing small claims, and taking advantage of discounts. Compare prices every other policy renewal by obtaining price quotes from direct companies, and also from several local insurance agents.

The list below is a review of the ideas that were touched on above.

• Teenagers are charged the highest rates, as much as $289 each month if the policy includes full coverage
• High-risk drivers who have several accidents or serious violations pay on average $990 more each year for car insurance
• Increasing comprehensive and collision deductibles can save approximately $225 each year
• You may be able to save as much as $100 per year simply by quoting online well ahead of the renewal date