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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Average insurance rates for a Kia Sedona are $896 a year for full coverage. Comprehensive costs an estimated $162, collision insurance costs $196, and liability is estimated at $402. Buying just liability costs approximately $446 a year, and insurance for high-risk drivers costs around $1,922. 16-year-old drivers receive the highest rates at up to $3,550 a year.

Average premium for full coverage: $896

Rate estimates broken down by individual coverage type:

Comprehensive $162
Collision $196
Liability $402

Prices include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for different Sedona trim levels.

Price Range by Coverage and Risk

For the average driver, prices range range from the low end price of $446 for minimum levels of liability insurance to a much higher rate of $1,922 for a driver who has had serious violations or accidents.

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

Price Range by Location

Living in a larger city can make a big difference on insurance rates. More rural locations tend to have lower incidents of accident claims than congested cities. The price range example below illustrates how location impacts insurance prices.

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

These examples show why anyone shopping for car insurance should get quotes for a targeted area, instead of making a decision based on rate 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.

Additional Rate Details

The chart below shows average Kia Sedona insurance rates for other coverage scenarios.

  • The best full coverage rate is $543
  • Choosing higher $1,000 deductibles can save approximately $80 a year
  • The estimated price for a 40-year-old driver who has $500 deductibles is $896
  • Buying more expensive low deductibles for comp and collision coverage bumps up the cost to $1,050
  • Higher-risk drivers with multiple tickets or accidents could pay up to $1,922
  • The cost that insures a 16-year-old driver with full coverage can cost as much as $3,550 each year

View Chart as Image

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

Auto insurance rates for a Kia Sedona can also vary considerably based on the model year and trim level, how you drive, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you could be paying $1,100 to $1,500 in extra premium per year, depending on your age. High-risk driver insurance ranges from 42% to 136% more than the average rate. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $900 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay at least $3,500 a year. View Rates by Age

Where you live plays a big part in determining prices for Kia Sedona insurance prices. A good driver about age 40 could pay as low as $590 a year in states like Iowa, Maine, and Idaho, or at least $1,280 on average in New York, Louisiana, 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

Opting for high physical damage deductibles can save as much as $240 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $362 extra every year. View Rates by Deductible or Liability Limit

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 the Right Kia Sedona Insurance

Saving money on insurance for a Kia Sedona takes avoiding accidents and violations, maintaining a good credit score, eliminating unneeded coverage, and consideration of higher deductibles. Comparison shop every other policy renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a quick rundown of the ideas that were touched on above.

  • Teenagers are the costliest to insure, costing as high as $296 per month if the policy includes full coverage
  • Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,030 more annually for car insurance
  • Increasing deductibles can save approximately $225 each year
  • Drivers can save approximately $100 per year just by shopping 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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