Kia Sedona Insurance Rates

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

Average premium for full coverage: $868

Price estimates by individual coverage:

Prices include $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for different Sedona trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas have fewer accident claims than densely populated cities.

The price range example below illustrates how where you live affects car insurance rates.

The ranges above show why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, rather than relying on average rates.

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

Rate Comparisons

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

• The best discount rate is $530
• Choosing higher $1,000 deductibles can save around $74 a year
• The estimated rate for the average middle-age driver with $500 deductibles is $868
• Using more expensive low deductibles for comp and collision coverage will cost $1,012
• 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 teen driver with full coverage may cost $3,464 each year

View Chart as Image

Car insurance prices for a Kia Sedona are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.

An older driver with no driving violations and high physical damage deductibles could pay as little as $800 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged upwards of $3,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,000 to $1,500 extra each year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $220 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury 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

The state you live in plays a big part in determining prices for Kia Sedona insurance rates. A good driver about age 40 could pay as low as $570 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,240 on average in Michigan, Louisiana, and New York.

View Chart as Image

Since prices can be so different, the only way to know exactly what you will pay is to compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, so rate quotes 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 the Right Kia Sedona Insurance

Getting lower rates on Kia Sedona insurance takes having a good driving record, having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop at every other renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The next list is a quick rundown of the concepts that were touched on in the above illustrations.

• High-risk drivers with reckless driving or DUI convictions may be required to pay an average of $990 more each year to buy Kia Sedona insurance
• Drivers age 20 and younger are expensive to insure, with premiums as much as $289 a month if comprehensive and collision insurance is included
• Drivers can save as much as $100 per year simply by shopping early and online
• Increasing physical damage deductibles could save up to $225 each year
• Drivers can save as much as $100 per year simply by shopping early and online