Kia Sedona Insurance Rates

The average insurance rates for a Kia Sedona are $896 a year with full coverage. Comprehensive insurance costs an estimated $162, collision costs $196, and liability insurance is estimated at $402. Liability-only coverage costs approximately $446 a year, with high-risk coverage costing $1,922 or more. Teenage drivers cost the most to insure at $3,550 a year or more.

Average premium for full coverage: $896

Policy rates broken down by type of insurance:

Rates are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM 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 has a significant impact on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than densely populated cities.

The price range example below illustrates how your location can change insurance prices.

The examples above demonstrate why anyone shopping for car insurance should get quotes for a targeted area and risk profile, rather than relying on average rates.

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

Rate Comparisons

The chart below details estimated Kia Sedona insurance rates for other coverage scenarios.

• The best discount rate is $543
• Choosing higher $1,000 deductibles can save approximately $80 annually
• The average rate for a good driver age 40 who has $500 deductibles is $896
• Using more expensive low deductibles for comp and collision coverage will cost an extra $154 a year
• High-risk insureds who are prone to accidents and violations could pay up to $1,922 or more
• Policy cost for full coverage for a teen driver with full coverage can cost as much as $3,550 each year

View Chart as Image

Insurance rates for a Kia Sedona also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $3,500 a year. View Rates by Age

Your home state plays a big part in determining prices for Kia Sedona insurance rates. A good driver about age 40 could pay as low as $650 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,210 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $240 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,100 to $1,500 additional every year, depending on your age. High-risk driver insurance ranges anywhere from 42% to 136% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, and rates will be varied from one company to the next.

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 Best Cheap Kia Sedona Insurance

Finding cheaper rates on Kia Sedona insurance takes having a decent driving record, having a good credit history, not filing small claims, and maximizing policy discounts. Invest the time to shop around at least once a year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a quick review of the primary concepts that were illustrated above.

• You may be able to save approximately $100 per year simply by shopping early and online
• High-risk drivers with a DUI or reckless driving violation may pay on average $1,030 more annually than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save around $225 each year
• 16 to 18-year-old drivers are expensive to insure, as much as $296 each month including comprehensive and collision insurance