Kia Sedona Insurance Rates

U.S. average insurance rates for a Kia Sedona are $896 a year for full coverage. Comprehensive insurance costs approximately $162 each year, collision insurance costs $196, and liability coverage costs around $402. A policy with just liability insurance costs as low as $446 a year, and coverage for high-risk drivers costs $1,922 or more. Teenage drivers pay the highest rates at up to $3,550 a year.

Average premium for full coverage: $896

Price estimates by individual coverage:

Full coverage includes $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and Sedona models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance rates. Rural locations have lower incidents of accident claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance prices.

The ranges above show why all drivers should compare prices using their specific location, rather than using average rates.

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

More Rate Details

The chart below shows average Kia Sedona insurance rates for additional coverage and risk scenarios.

• The best discount rate is $543
• Using higher $1,000 deductibles will save $80 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $896
• Using low deductibles for physical damage coverage will cost an additional $154 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $1,922
• The price that insures a teenage driver can cost $3,550 or more

View Chart as Image

Insurance prices for a Kia Sedona are also quite variable based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,100 to $1,500 extra each year, depending on your age. Insurance for high-risk drivers can be around 42% to 136% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $900 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $3,500 a year. View Rates by Age

The state you live in has a huge impact on Kia Sedona insurance rates. A driver around age 40 might see prices 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.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $240 a year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit

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 More Affordable Kia Sedona Insurance

Getting lower rates on auto insurance requires avoiding accidents and claims, having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Compare prices every couple of years by getting quotes from direct carriers, and also from insurance agencies where you live.

The points below are a summary of the material that was covered in the charts and tables above.

• Consumers who purchase increased liability limits will pay an extra $440 each year to increase from a low limit to the 250/500 level
• Drivers under the age of 20 are expensive to insure, with premiums as much as $296 a month if full coverage is included
• Drivers who have multiple accidents or major violations could be forced to pay on average $1,030 more per year to insure a Kia Sedona
• Increasing physical damage deductibles can save approximately $225 each year