Kia Sedona Insurance Rates

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

Average premium for full coverage: $896

Price estimates for individual coverage:

Price estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and Sedona models.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than densely populated cities.

The graphic below illustrates how location impacts auto insurance rates.

The ranges above illustrate why all drivers should compare rates for a specific zip code and risk profile, instead of making a decision based on average rates.

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

Rate Comparisons

The chart below illustrates estimated Kia Sedona insurance rates for additional coverage choices and driver risks.

• The best discount rate is $543
• Drivers who choose higher $1,000 deductibles will pay about $80 each year
• The average rate for the average middle-age driver using $500 deductibles is $896
• Using low deductibles for comprehensive and collision insurance will cost an extra $154 annually
• Drivers who are prone to accidents and violations could pay at least $1,922 or more
• The price for full coverage for a 16-year-old driver can be $3,550 a year

View Chart as Image

Insurance prices for a Kia Sedona are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.

More mature drivers with a clean driving record and high deductibles may pay as low as $900 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay as much as $3,500 a year. View Rates by Age

The state you live in makes a big difference in Kia Sedona insurance prices. A 40-year-old driver could pay as low as $590 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,210 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $240 annually, whereas increasing liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,100 to $1,500 extra each year, depending on your age. Insurance for high-risk drivers can cost from 42% to 136% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out your exact price is to do a rate comparison from multiple companies. Every company uses a different method to calculate prices, so the prices may be quite different 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 Cheaper Kia Sedona Insurance

Getting lower rates on insurance for a Kia Sedona not only requires being a safe and courteous driver, but also maintaining good credit, not filing small claims, and insuring your home and auto with the same company. Spend time shopping around every time your policy renews by quoting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

Below is a condensed summary of the information touched on above.

• It is possible to save up to $100 per year simply by quoting online in advance
• Teenage drivers pay higher prices, as much as $296 a month for full coverage
• Increasing physical damage deductibles can save around $225 each year
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,030 more every year for auto insurance
• Insureds who may need higher levels of liability will pay an extra $440 annually to go from a low limit to 250/500 limits