Kia Sedona Insurance Rates

The average auto insurance rates for a Kia Sedona are $868 annually including full coverage. Comprehensive insurance costs an estimated $152, collision insurance costs $178, and liability costs around $402. A liability-only policy costs as low as $446 a year, and high-risk insurance costs $1,860 or more. Teenage drivers cost the most to insure at up to $3,464 a year.

Average premium for full coverage: $868

Policy rates broken down by type of insurance:

Prices include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different Sedona trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than densely populated cities. The price range example below illustrates how location helps determine insurance prices.

The examples above highlight why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

More Rate Details

The chart below breaks down average Kia Sedona insurance rates for other coverage scenarios.

• The best discount rate is $530
• Using higher $1,000 deductibles will save approximately $74 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $868
• Using more expensive low deductibles for physical damage coverage costs an additional $144 annually
• High-risk insureds who are prone to accidents and violations could pay up to $1,860
• Policy cost with full coverage for a 16-year-old driver with full coverage can cost as much as $3,464 or more

View Chart as Image

Car insurance rates for a Kia Sedona also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

An older driver with no driving violations and high physical damage deductibles may pay as low as $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged at least $3,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,000 to $1,500 extra every year, depending on your age. High-risk driver insurance can be from 43% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $220 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Kia Sedona insurance prices. A driver around age 40 might see rates as low as $670 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,240 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 Buy the Right Kia Sedona Insurance

Finding cheaper rates on insurance for a Kia Sedona requires having a decent driving record, having a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Invest time comparing rates once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following items are a quick rundown of the data that was covered in the charts and tables above.

• You may be able to save approximately $100 per year just by shopping early and online
• Insureds who want additional liability coverage will pay an extra $440 per year to increase from a 30/60 limit to higher 250/500 limits
• 16 to 18-year-old drivers have the highest car insurance rates, with premiums being up to $289 each month if comprehensive and collision insurance is included
• Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $990 more annually than a driver with a clean driving record