Kia Sedona Insurance Rates

U.S. average insurance rates for a Kia Sedona are $896 a year for full coverage insurance. Comprehensive insurance costs approximately $162, collision costs $196, and liability insurance costs around $402. Buying just liability costs as low as $446 a year, with insurance for high-risk drivers costing $1,922 or more. Teenage drivers pay the highest rates at $3,550 a year or more.

Average premium for full coverage: $896

Price estimates by individual coverage:

These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for all Sedona models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on the price of auto insurance. Rural locations have lower incidents of physical damage claims than densely populated cities.

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

The ranges above illustrate why everyone should compare prices using their specific location, rather than relying on average rates.

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

More Rate Information

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

• The best discount rate is $543
• Using higher $1,000 deductibles will save $80 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $896
• Using pricier low deductibles for physical damage coverage will cost an additional $154 a year
• Drivers who are prone to accidents and violations could pay around $1,922 or more
• The price that insures a teen driver for full coverage can cost $3,550 or more

View Chart as Image

Insurance prices for a Kia Sedona are also quite variable based on the model of your Sedona, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,100 to $1,500 additional each year, depending on your age. Kia Sedona insurance for high-risk drivers can be anywhere from 42% to 136% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $900 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $3,500 a year. View Rates by Age

The state you live in has a huge impact on Kia Sedona insurance rates. A driver around age 40 might see prices 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.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $240 each year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $362 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out who has the best car insurance prices is to regularly compare prices from as many companies as possible. Each insurance company uses a different method to calculate prices, and prices may be quite 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 Cheap Kia Sedona Insurance

Getting lower rates on Kia Sedona insurance requires avoiding accidents and violations, having a good credit score, not filing small claims, and qualifying for all possible discounts. Compare prices at least every other year by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The list below is a brief summary of the car insurance concepts covered above.

• High-risk drivers that tend to have accidents or serious violations could be charged and average of $1,030 more per year for car insurance
• It is possible to save around $100 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $225 each year
• Drivers who purchase higher liability limits will pay an extra $440 annually to increase from a low limit to the 250/500 level