Kia Sedona Insurance Rates
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UPDATED: Jun 6, 2023
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Average insurance rates for a Kia Sedona are $1,132 a year including full coverage. Comprehensive costs an estimated $238 each year, collision insurance costs $374, and liability insurance costs around $384. Liability-only coverage costs as low as $432 a year, and high-risk coverage costs around $2,440. Teenage drivers receive the highest rates at up to $4,272 a year.
Average premium for full coverage: $1,132
Rate estimates broken down by individual coverage type:
Full coverage includes $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and Sedona models.
Price Range by Coverage and Risk
For the average driver, prices range range from as low as $432 for the bare minimum liability coverage to a high rate of $2,440 for coverage for higher-risk drivers.
Price Range by Location
Where you live has a significant impact on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than densely populated cities. The graphic below illustrates how location impacts insurance prices.
These examples highlight why all drivers should compare prices for a targeted area and risk profile, rather than relying on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below breaks down average Kia Sedona insurance rates for other coverage scenarios.
- The best discount rate is $660
- Using higher $1,000 deductibles will save approximately $138 every year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,132
- Using low deductibles for physical damage coverage will increase the cost to $1,400
- Drivers who are prone to accidents and violations could pay up to $2,440
- The cost for full coverage for a teen driver can cost as much as $4,272 or more
Car insurance rates for a Kia Sedona can also vary considerably based on your driver profile, the model of your Sedona, and liability limits and deductibles.
More mature drivers with no driving violations and high deductibles could pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged at least $4,200 a year. View Rates by Age
Where you live has a huge impact on Kia Sedona insurance rates. A driver around age 40 might see rates as low as $870 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,620 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,022 | -$110 | -9.7% |
| Alaska | $868 | -$264 | -23.3% |
| Arizona | $938 | -$194 | -17.1% |
| Arkansas | $1,132 | -$0 | 0.0% |
| California | $1,292 | $160 | 14.1% |
| Colorado | $1,080 | -$52 | -4.6% |
| Connecticut | $1,164 | $32 | 2.8% |
| Delaware | $1,280 | $148 | 13.1% |
| Florida | $1,414 | $282 | 24.9% |
| Georgia | $1,046 | -$86 | -7.6% |
| Hawaii | $816 | -$316 | -27.9% |
| Idaho | $768 | -$364 | -32.2% |
| Illinois | $844 | -$288 | -25.4% |
| Indiana | $854 | -$278 | -24.6% |
| Iowa | $766 | -$366 | -32.3% |
| Kansas | $1,074 | -$58 | -5.1% |
| Kentucky | $1,546 | $414 | 36.6% |
| Louisiana | $1,676 | $544 | 48.1% |
| Maine | $700 | -$432 | -38.2% |
| Maryland | $934 | -$198 | -17.5% |
| Massachusetts | $902 | -$230 | -20.3% |
| Michigan | $1,964 | $832 | 73.5% |
| Minnesota | $950 | -$182 | -16.1% |
| Mississippi | $1,356 | $224 | 19.8% |
| Missouri | $1,004 | -$128 | -11.3% |
| Montana | $1,214 | $82 | 7.2% |
| Nebraska | $892 | -$240 | -21.2% |
| Nevada | $1,358 | $226 | 20.0% |
| New Hampshire | $816 | -$316 | -27.9% |
| New Jersey | $1,264 | $132 | 11.7% |
| New Mexico | $1,002 | -$130 | -11.5% |
| New York | $1,192 | $60 | 5.3% |
| North Carolina | $652 | -$480 | -42.4% |
| North Dakota | $928 | -$204 | -18.0% |
| Ohio | $778 | -$354 | -31.3% |
| Oklahoma | $1,160 | $28 | 2.5% |
| Oregon | $1,038 | -$94 | -8.3% |
| Pennsylvania | $1,080 | -$52 | -4.6% |
| Rhode Island | $1,510 | $378 | 33.4% |
| South Carolina | $1,028 | -$104 | -9.2% |
| South Dakota | $956 | -$176 | -15.5% |
| Tennessee | $990 | -$142 | -12.5% |
| Texas | $1,366 | $234 | 20.7% |
| Utah | $838 | -$294 | -26.0% |
| Vermont | $774 | -$358 | -31.6% |
| Virginia | $678 | -$454 | -40.1% |
| Washington | $874 | -$258 | -22.8% |
| West Virginia | $1,038 | -$94 | -8.3% |
| Wisconsin | $784 | -$348 | -30.7% |
| Wyoming | $1,008 | -$124 | -11.0% |
Using high physical damage deductibles could cut rates by as much as $410 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $345 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying $1,300 to $1,900 extra per year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 128% more than a normal policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Kia Sedona | $1,098 | $92 |
| Kia Sedona LX | $1,132 | $94 |
| Kia Sedona EX | $1,204 | $100 |
Rates assume 2018 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Kia Sedona | $238 | $374 | $384 | $1,132 |
| 2017 Kia Sedona | $230 | $352 | $388 | $1,106 |
| 2014 Kia Sedona | $198 | $272 | $394 | $1,000 |
| 2008 Kia Sedona | $148 | $160 | $398 | $842 |
| 2007 Kia Sedona | $146 | $156 | $390 | $828 |
| 2006 Kia Sedona | $144 | $150 | $384 | $814 |
| 2005 Kia Sedona | $132 | $142 | $380 | $790 |
Rates are averaged for all Kia Sedona models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find More Affordable Kia Sedona Insurance
Saving money on Kia Sedona insurance requires being a low-risk driver, having above-average credit, not filing small claims, and possibly higher deductibles. Spend time shopping around at least once a year by requesting quotes from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.
The items below are a summary of the primary concepts that were touched on above.
- You may be able to save approximately $130 per year just by quoting online in advance
- High-risk drivers who have multiple accidents or major violations may pay on average $1,310 more annually to insure their Sedona
- Increasing deductibles can save around $400 each year
- Teen drivers have the highest car insurance rates, as much as $356 per month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,272 |
| 20 | $2,590 |
| 30 | $1,174 |
| 40 | $1,132 |
| 50 | $1,036 |
| 60 | $1,016 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,400 |
| $250 | $1,278 |
| $500 | $1,132 |
| $1,000 | $994 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,132 |
| 50/100 | $1,281 |
| 100/300 | $1,377 |
| 250/500 | $1,626 |
| 100 CSL | $1,319 |
| 300 CSL | $1,530 |
| 500 CSL | $1,684 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,082 |
| 20 | $4,120 |
| 30 | $2,484 |
| 40 | $2,440 |
| 50 | $2,324 |
| 60 | $2,304 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $60 |
| Multi-vehicle | $59 |
| Homeowner | $18 |
| 5-yr Accident Free | $79 |
| 5-yr Claim Free | $73 |
| Paid in Full/EFT | $49 |
| Advance Quote | $54 |
| Online Quote | $80 |
| Total Discounts | $472 |
Discounts are estimated and may not be available from every company or in every state.
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