Kia Sedona Insurance Rates

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

Average premium for full coverage: $896

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Sedona models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how rural and urban location affects auto insurance prices.

The examples above highlight why all drivers should compare rates quotes using their specific location, rather than relying on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $543
• Raising to $1,000 deductibles will save $80 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $896
• Using low deductibles will cost an additional $154 a year
• Higher-risk drivers who are prone to accidents and violations could pay around $1,922 or more
• Policy cost that insures a teen driver can cost $3,550

View Chart as Image

Insurance rates for a Kia Sedona also range considerably based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,100 to $1,500 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 136% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $3,500 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 $690 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,280 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $240 each year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate rates, so the 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 the Best Kia Sedona Insurance

Finding cheaper rates on Kia Sedona insurance consists of being a good driver, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Compare prices at least every other year by getting quotes from direct car insurance companies, and also from local auto insurance providers.

The following list is a brief recap of the car insurance concepts raised in the charts and tables above.

• High-risk drivers who tend to receive serious violations will likely pay on average $1,030 more per year than a safer driver
• You may be able to save around $100 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $225 each year
• Drivers who purchase an increased level of liability coverage will pay an extra $440 per year to raise from a 30/60 limit to the 250/500 level