Kia Sedona Insurance Rates

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2010 Kia Sedona Insurance Rates in 2025

Trying to find better insurance coverage rates for your Kia Sedona? Being forced to pay for expensive insurance coverage premiums can deplete your family's budget and possibly require postponing other expenditures. Doing a rate comparison is a great way to tighten up your finances. Multiple car insurance companies compete to insure your vehicles, and because of this it can be hard to compare insu...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: May 24, 2024

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U.S. average insurance rates for a Kia Sedona are $896 a year for full coverage insurance. Comprehensive insurance costs approximately $162 a year, collision insurance costs $196, and liability insurance is $402. Liability-only insurance costs around $446 a year, and high-risk driver insurance costs $1,922 or more. Teen drivers pay the highest rates at up to $3,550 a year.

Average premium for full coverage: $896

Price estimates by individual coverage:

Comprehensive $162
Collision $196
Liability $402

Prices are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and Sedona trim levels.

Price Range from Low to High

For a driver in their 40's, Kia Sedona insurance prices range from as low as $446 for your basic liability-only policy to a high of $1,922 for a driver who requires high-risk insurance.

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

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than larger metro areas. The diagram below illustrates how location helps determine auto insurance prices.

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

The ranges above illustrate why it is important to compare rates quotes using their specific location and risk profile, rather than relying on price averages.

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 illustrates average Kia Sedona insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $543
  • Raising to $1,000 deductibles will save $816 each year
  • The average rate for the average middle-age driver who chooses $500 deductibles is $896
  • Choosing low $100 deductibles will cost an extra $154 a year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay around $1,922
  • The price for full coverage for a teen driver can cost $3,550

View Chart as Image

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

Car insurance prices for a Kia Sedona are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high deductibles could pay as little as $900 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged in the ballpark of $3,500 a year. View Rates by Age

The state you live in also has a big influence on Kia Sedona insurance rates. A middle-age driver might find prices as low as $590 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,210 on average in Florida, New York, 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

Choosing high deductibles can reduce prices by up to $240 each year, while buying higher liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,100 to $1,500 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 136% more than average. View High Risk Driver Rates

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 Find Affordable Kia Sedona Insurance

Getting lower rates on Kia Sedona insurance consists of being a safe and courteous driver, having above-average credit, not filing small claims, and attention to physical damage deductibles. Invest time comparing rates at every other renewal by requesting quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below is a brief review of the concepts that were covered in the charts and tables above.

  • High-risk drivers with DUI or reckless driving convictions may pay on average $1,030 more per year for auto insurance
  • Teenage drivers pay the highest auto insurance prices, as much as $296 a month if full coverage is included
  • It is possible to save around $100 per year just by quoting early and online
  • Increasing physical damage deductibles can save around $225 each year
  • It is possible to save around $100 per year just by quoting early and online

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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