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 insurance rates for a Kia Sedona are $868 a year including full coverage. Comprehensive costs on average $152 a year, collision insurance costs $178, and liability coverage is $402. Liability-only insurance costs around $446 a year, and high-risk driver insurance costs around $1,860. 16-year-old drivers cost the most to insure at up to $3,464 a year.
Average premium for full coverage: $868
Policy rates by type of insurance:
Estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Sedona trim levels.
Price Range Variability
For the average 40-year-old driver, Kia Sedona insurance rates range from as low as $446 for just liability insurance to a high of $1,860 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than congested cities. The diagram below illustrates the difference location can make on car insurance rates.
The examples above highlight why it is important to compare rates quotes based on a specific location and risk profile, rather than using rate 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.
More Rate Details
The chart below breaks down average Kia Sedona insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $530
- Raising to $1,000 deductibles will save around $794 every year
- The average rate for a good driver age 40 with $500 deductibles is $868
- Buying low $100 deductibles will increase the cost to $1,012
- Unlucky drivers with multiple tickets or accidents could pay upwards of $1,860
- Policy cost for full coverage for a teenage driver may cost $3,464
Auto insurance rates for a Kia Sedona also range considerably based on your risk profile, the model of your Sedona, and policy deductibles and limits.
Older drivers with a good driving record and high 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 good drivers will have to pay upwards of $3,400 a year. View Rates by Age
Your home state also has a big influence on Kia Sedona insurance rates. A middle-age driver might find rates as low as $670 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,240 on average in Michigan, New York, and Louisiana.
| 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% |
Opting for high physical damage deductibles can reduce rates by up to $220 a year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $362 extra every 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 likely paying at a minimum $1,000 to $1,500 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 128% more than the average rate. View High Risk Driver Rates
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 Find Low Cost Kia Sedona Insurance
Finding cheaper rates on auto insurance consists of avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Make time to compare rates every year by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The list below is a review of the coverage data touched on in this article.
- You may be able to save as much as $100 per year just by quoting early and online
- Increasing comprehensive and collision deductibles can save around $225 each year
- Teenagers are charged the highest rates, with premiums being up to $289 each month if they have full coverage
- Drivers who have several accidents or serious violations may pay on average $990 more each year for car insurance
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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