Kia Sedona Insurance Rates

The average insurance rates for a Kia Sedona are $896 a year with full coverage. Comprehensive insurance costs approximately $162, collision costs $196, and liability insurance is estimated at $402. Liability-only insurance costs approximately $446 a year, with high-risk driver insurance 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:

Estimates include $500 deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for different Sedona trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than densely populated cities.

The price range example below illustrates how your location can change auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should get quotes using their specific location and risk profile, rather than relying on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $543
• Choosing higher $1,000 deductibles can save $80 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $896
• Using more expensive low deductibles for comp and collision coverage will cost an extra $154 a year
• High-risk insureds who are prone to accidents and violations could pay around $1,922 or more
• Policy cost for full coverage for a teen driver with full coverage can cost $3,550 each year

View Chart as Image

Auto insurance rates for a Kia Sedona also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

An older driver with a good driving record and high deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay in the ballpark of $3,500 a year. View Rates by Age

Your home state plays a big part in determining prices for Kia Sedona insurance rates. A good driver about age 40 could pay as low as $650 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,210 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $240 each year, while increasing your policy's liability limits will push rates upward. Moving 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 may be forking out anywhere from $1,100 to $1,500 in extra premium every year, depending on your age. High-risk driver insurance ranges anywhere from 42% to 136% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied from one company to the next.

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 takes not taking risks behind the wheel, having good credit, not filing small claims, and not having any coverage lapses. Invest the time to shop around at least every other year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a review of the car insurance concepts illustrated above.

• High-risk drivers who have several accidents or serious violations pay on average $1,030 more per year for Sedona insurance
• You may be able to save around $100 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $225 each year
• Drivers who purchase higher liability limits will pay an extra $440 every year to raise limits from a 30/60 limit to 250/500 limits