Kia Sedona Insurance Rates

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

Average premium for full coverage: $868

Policy rates by type of insurance:

These estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured 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 can make a big difference on the price of insurance. Rural locations are shown to have lower incidents of collision claims than densely populated cities.

The price range example below illustrates how geographic area affects auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should get quotes using their specific location, instead of making a decision based on average rates.

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

More Rate Information

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

• The best discount rate is $530
• Choosing higher $1,000 deductibles can save $74 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $868
• Using more expensive low deductibles for comp and collision coverage bumps up the cost to $1,012
• Higher-risk drivers who are prone to accidents and violations could pay around $1,860 or more
• Policy cost that insures a 16-year-old driver with full coverage can cost $3,464 each year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,000 to $1,500 extra every year, depending on your age. High-risk driver insurance ranges from 43% to 128% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $800 annually on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged in the ballpark of $3,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Kia Sedona insurance prices. A good driver about age 40 could pay as low as $630 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,170 on average in New York, Michigan, and Florida.

View Chart as Image

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

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to compare rates from multiple companies. Each auto insurer uses a different method to calculate rates, so rate quotes 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 Cheap Kia Sedona Insurance

Finding cheaper rates on insurance for a Kia Sedona takes being a good driver, having a positive credit history, not filing small claims, and avoiding coverage lapses. Compare prices once a year by getting rate quotes from direct companies, and also from local insurance agencies.

The following list is a brief summary of the data that was presented in the illustrations above.

• You may be able to save around $100 per year simply by shopping early and online
• Insureds who purchase an increased level of liability coverage will pay an extra $440 every year to raise limits from a 30/60 limit to the 250/500 level
• Drivers age 16 to 20 pay the highest auto insurance rates, as much as $289 each month if full coverage is purchased
• Drivers considered higher risk that tend to have accidents or serious violations may have to pay on average $990 more per year than a safer driver