Kia Sedona Insurance Rates

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UPDATED: May 24, 2024

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Estimated auto insurance rates for a Kia Sedona are $896 annually for full coverage. Comprehensive costs an estimated $162 each year, collision insurance costs $196, and liability coverage costs $402. A liability-only policy costs as little as $446 a year, and high-risk insurance costs around $1,922. Teenage drivers pay the most at up to $3,550 a year.

Average premium for full coverage: $896

Premium estimates broken down by type of coverage:

Comprehensive $162
Collision $196
Liability $402

Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and Sedona models.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Kia Sedona range from as cheap as $446 for your basic liability-only policy to a high rate of $1,922 for a driver that may need high-risk insurance.

Liability Only $446
Full Coverage $896
High Risk $1,922

Insurance Price Range by Location

Your location has a large influence on insurance rates. More rural locations are statistically proven to have fewer accident claims than densely populated cities. The graphic below illustrates the effect of geographic area on insurance prices.

Rural Areas $672
Small Cities $941
Large Cities $1,210

These rate differences show why all drivers should compare rates for a targeted area and their own personal driving habits, rather than using 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.

More Rate Information

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

  • The best discount rate is $543
  • Drivers who choose higher $1,000 deductibles will pay approximately $80 a year
  • The estimated rate for a 40-year-old good driver who has $500 deductibles is $896
  • Using low deductibles for comprehensive and collision insurance will cost $1,050
  • High-risk insureds who are prone to accidents and violations could pay up to $1,922
  • An auto insurance policy with full coverage for a teenage driver can cost as much as $3,550 a year

View Chart as Image

Kia Sedona insurance cost comparison chart
Column chart showing Kia Sedona insurance rates range from $543 to $3,550 for full coverage

Auto insurance prices for a Kia Sedona also have a wide range based on the model of your Sedona, your driver profile, and liability limits and deductibles.

More mature drivers with a good driving record and high physical damage deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay at least $3,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying $1,100 to $1,500 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost around 42% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $240 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Kia Sedona insurance rates. A 40-year-old driver could pay as low as $590 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,280 on average in New York, Louisiana, and Michigan.

Kia Sedona Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $810 -$86 -9.6%
Alaska $686 -$210 -23.4%
Arizona $744 -$152 -17.0%
Arkansas $896 -$0 0.0%
California $1,022 $126 14.1%
Colorado $854 -$42 -4.7%
Connecticut $920 $24 2.7%
Delaware $1,012 $116 12.9%
Florida $1,118 $222 24.8%
Georgia $830 -$66 -7.4%
Hawaii $644 -$252 -28.1%
Idaho $608 -$288 -32.1%
Illinois $666 -$230 -25.7%
Indiana $676 -$220 -24.6%
Iowa $604 -$292 -32.6%
Kansas $850 -$46 -5.1%
Kentucky $1,222 $326 36.4%
Louisiana $1,326 $430 48.0%
Maine $554 -$342 -38.2%
Maryland $740 -$156 -17.4%
Massachusetts $716 -$180 -20.1%
Michigan $1,556 $660 73.7%
Minnesota $750 -$146 -16.3%
Mississippi $1,074 $178 19.9%
Missouri $794 -$102 -11.4%
Montana $962 $66 7.4%
Nebraska $704 -$192 -21.4%
Nevada $1,074 $178 19.9%
New Hampshire $646 -$250 -27.9%
New Jersey $1,004 $108 12.1%
New Mexico $792 -$104 -11.6%
New York $942 $46 5.1%
North Carolina $518 -$378 -42.2%
North Dakota $734 -$162 -18.1%
Ohio $618 -$278 -31.0%
Oklahoma $918 $22 2.5%
Oregon $820 -$76 -8.5%
Pennsylvania $854 -$42 -4.7%
Rhode Island $1,194 $298 33.3%
South Carolina $812 -$84 -9.4%
South Dakota $756 -$140 -15.6%
Tennessee $784 -$112 -12.5%
Texas $1,080 $184 20.5%
Utah $664 -$232 -25.9%
Vermont $610 -$286 -31.9%
Virginia $538 -$358 -40.0%
Washington $692 -$204 -22.8%
West Virginia $820 -$76 -8.5%
Wisconsin $618 -$278 -31.0%
Wyoming $796 -$100 -11.2%

View Chart as Image

Kia Sedona insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Kia Sedona Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Kia Sedona $878 $73
Kia Sedona LX $896 $75
Kia Sedona EX $936 $78

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.

Kia Sedona Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2021 Kia Sedona $262 $418 $364 $1,180
2020 Kia Sedona $248 $404 $376 $1,164
2019 Kia Sedona $238 $374 $384 $1,132
2018 Kia Sedona $230 $352 $388 $1,106
2017 Kia Sedona $220 $316 $390 $1,062
2016 Kia Sedona $206 $292 $390 $1,024
2015 Kia Sedona $198 $272 $394 $1,000
2014 Kia Sedona $194 $254 $402 $986
2012 Kia Sedona $174 $214 $406 $930
2011 Kia Sedona $162 $196 $402 $896
2010 Kia Sedona $152 $178 $402 $868
2008 Kia Sedona $146 $156 $390 $828
2007 Kia Sedona $144 $150 $384 $814
2006 Kia Sedona $132 $142 $380 $790
2005 Kia Sedona $126 $134 $376 $772

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 Buy the Best Cheap Kia Sedona Insurance

Finding better rates on auto insurance not only requires avoiding accidents and violations, but also having above-average credit, not filing small claims, and consideration of higher deductibles. Take the time to compare rates once a year by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.

The list below is a quick review of the data that was covered in the above illustrations.

  • Drivers can save approximately $100 per year just by quoting online in advance
  • Consumers who want higher liability limits will pay an extra $440 each year to go from 30/60 bodily injury limits to higher 250/500 limits
  • Teenagers are the costliest to insure, as much as $296 per month if full coverage is included
  • Drivers with a DUI or reckless driving violation may pay on average $1,030 more annually for car insurance

Rates by Driver Age

Kia Sedona Insurance Rates by Driver Age
Driver Age Premium
16 $3,550
20 $2,034
30 $914
40 $896
50 $824
60 $806

Full coverage, $500 deductibles

Rates by Deductible

Kia Sedona Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,050
$250 $982
$500 $896
$1,000 $816

Full coverage, driver age 40

Rates by Liability Limit

Kia Sedona Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $896
50/100 $1,016
100/300 $1,117
250/500 $1,378
100 CSL $1,057
300 CSL $1,278
500 CSL $1,439

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Sedona Insurance Rates for High Risk Drivers
Age Premium
16 $5,008
20 $3,238
30 $1,938
40 $1,922
50 $1,832
60 $1,814

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.

SR-22 Surcharge $118

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $46
Multi-vehicle $48
Homeowner $16
5-yr Accident Free $54
5-yr Claim Free $56
Paid in Full/EFT $33
Advance Quote $39
Online Quote $61
Total Discounts $353
Rate after discounts $543

Discounts are estimated and may not be available from every company or in every state.

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