Kia Sedona Insurance Rates

The average insurance rates for a Kia Sedona are $896 a year including full coverage. Comprehensive insurance costs an estimated $162, collision costs $196, and liability is $402. Liability-only coverage costs around $446 a year, with high-risk coverage costing $1,922 or more. Teens 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 deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different Sedona trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates the difference location can make on insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area, instead of making a decision based on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $543
• Raising to $1,000 deductibles will save approximately $80 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $896
• Selecting more expensive low deductibles will cost an additional $154 annually
• Drivers with serious driving violations could pay up to $1,922 or more
• Policy cost that insures a 16-year-old driver with full coverage can cost as much as $3,550

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying $1,100 to $1,500 additional every year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 136% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $3,500 a year. View Rates by Age

Your home state also has a big influence on Kia Sedona insurance prices. A middle-age driver might find rates as low as $690 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,280 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $240 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates from multiple companies. Every auto insurance company calculates rates differently, and rates will be varied.

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 insurance for a Kia Sedona consists of not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Compare rates at least every other year by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The following is a quick review of the car insurance concepts touched on in this article.

• Drivers considered higher risk with a DUI or reckless driving violation could be charged and average of $1,030 more annually for Sedona insurance
• You may be able to save approximately $100 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $225 each year
• Insureds who want higher liability limits will pay approximately $440 per year to raise from a 30/60 limit to the 250/500 level