Kia Sedona Insurance Rates

The average insurance rates for a Kia Sedona are $868 a year with full coverage. Comprehensive insurance costs approximately $152 a year, collision costs $178, and liability costs around $402. Liability-only coverage costs as low as $446 a year, with high-risk coverage costing $1,860 or more. 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:

Includes $500 deductible amounts, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and Sedona trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live 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 diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above demonstrate why it is important to compare prices 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
• Using higher $1,000 deductibles will save $794 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $868
• Using low $100 deductibles for physical damage coverage will cost an additional $144 annually
• High-risk insureds who are prone to accidents and violations could pay around $1,860 or more
• Policy cost that insures a 16-year-old driver can cost $3,464 or more

View Chart as Image

Insurance rates for a Kia Sedona also range considerably based on the trim level of your Sedona, 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 additional every year, depending on your age. A high-risk auto insurance policy can be from 43% to 128% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $3,400 a year. View Rates by Age

Your home state has a huge impact on Kia Sedona insurance prices. A driver around age 40 might see rates 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 could cut rates by as much as $220 annually, while buying higher 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 more each year. 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 get quotes from multiple companies. Each insurance company uses a different method to calculate rates, and 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 Cheapest Kia Sedona Insurance

Finding cheaper rates on insurance for a Kia Sedona requires having a good driving record, having a good credit score, not filing small claims, and qualifying for all possible discounts. Compare prices at least every other year by getting quotes from direct companies, and also from local insurance agencies.

The next list is a recap of the car insurance concepts covered above.

• Drivers considered higher risk that have major violations or accidents may have to pay on average $990 more per year to buy Kia Sedona insurance
• You may be able to save around $100 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $225 each year
• Insureds who purchase increased levels of liability coverage will pay an extra $440 every year to increase from a 30/60 limit to the 250/500 level