Kia Sedona Insurance Rates

U.S. average auto insurance rates for a Kia Sedona are $868 annually with full coverage. Comprehensive insurance costs on average $152 each year, collision costs $178, and liability costs around $402. Buying just liability costs as low as $446 a year, with insurance for high-risk drivers costing $1,860 or more. Teenage drivers pay the highest rates at $3,464 a year or more.

Average premium for full coverage: $868

Price estimates by individual coverage:

These estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and Sedona models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on auto insurance rates. Rural areas have fewer collision claims than densely populated cities.

The graphic below illustrates the difference location can make on car insurance rates.

The ranges above demonstrate why all drivers should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below details estimated Kia Sedona insurance rates for different risk profiles and scenarios.

• The best discount rate is $530
• Using higher $1,000 deductibles will save around $74 annually
• The estimated rate for the average middle-age driver with $500 deductibles is $868
• Using low deductibles for physical damage coverage costs an additional $144 annually
• High-risk insureds who are prone to accidents and violations could pay upwards of $1,860 or more
• The price with full coverage for a 16-year-old driver may cost $3,464 or more

View Chart as Image

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

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $800 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $3,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,000 to $1,500 additional each year, depending on your age. Insurance for high-risk drivers can be from 43% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $220 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $362 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Kia Sedona insurance prices. A driver around age 40 might see prices as low as $630 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,170 on average in Florida, Michigan, and New York.

View Chart as Image

Since prices can be so different, the best way to find out exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate prices, and prices may be quite different between companies.

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 Buy Cheap Kia Sedona Insurance

Getting lower rates on insurance for a Kia Sedona requires avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Make time to compare rates at every other renewal by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The list below is a brief summary of the concepts that were touched on in this article.

• Drivers considered higher risk that tend to have accidents or serious violations pay an average of $990 more each year for car insurance
• Teenagers pay higher prices, costing up to $289 a month if they have full coverage
• You may be able to save as much as $100 per year simply by quoting online in advance
• Increasing physical damage deductibles could save up to $225 each year
• You may be able to save as much as $100 per year simply by quoting online in advance