Kia Sedona Insurance Rates
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UPDATED: Nov 19, 2019
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Estimated insurance rates for a Kia Sedona are $1,164 a year including full coverage. Comprehensive costs an estimated $248, collision insurance costs $404, and liability costs $376. A policy with only liability insurance costs as little as $426 a year, and a high-risk policy costs around $2,508. 16-year-old drivers pay the most at up to $4,368 a year.
Average premium for full coverage: $1,164
Premium estimates broken down by type of coverage:
Includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different Sedona trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Kia Sedona range from as low as $426 for just liability insurance to a much higher rate of $2,508 for a high-risk insurance policy.
Insurance Price Range by Location
Your location can have significant affects on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than congested cities. The price range example below illustrates how where you live affects insurance prices.
These rate differences highlight why anyone shopping for car insurance should compare rates for a targeted area and risk profile, instead of using 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.
More Rate Details
The chart below breaks down average Kia Sedona insurance rates for other coverage scenarios.
- The best full coverage rate is $676
- Drivers who choose higher $1,000 deductibles will pay approximately $148 every year
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,164
- Buying more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,450
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,508
- An auto insurance policy for full coverage for a teen driver with full coverage can cost as much as $4,368 a year
Car insurance prices for a Kia Sedona also have a wide range based on your driving characteristics, the model of your Sedona, and liability limits and deductibles.
An older driver with no driving violations and high deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged at least $4,300 a year. View Rates by Age
Where you choose to live makes a big difference in Kia Sedona insurance prices. A 40-year-old driver could pay as low as $890 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,660 on average in Louisiana, New York, and Michigan.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Opting for high physical damage deductibles could save up to $440 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $339 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying $1,400 to $1,900 extra annually, depending on your age. High-risk driver insurance can cost as much as 43% to 134% more than the average rate. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Kia Sedona LX||$1,164||$97|
|Kia Sedona EX||$1,240||$103|
Rates assume 2018 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.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2018 Kia Sedona||$248||$404||$376||$1,164|
|2017 Kia Sedona||$238||$374||$384||$1,132|
|2014 Kia Sedona||$206||$292||$390||$1,024|
|2008 Kia Sedona||$152||$178||$402||$868|
|2007 Kia Sedona||$148||$160||$398||$842|
|2006 Kia Sedona||$146||$156||$390||$828|
|2005 Kia Sedona||$144||$150||$384||$814|
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 Cheapest Kia Sedona Insurance
Finding better rates on car insurance not only requires being a low-risk driver, but also having above-average credit, refrain from filing small claims, and possibly higher deductibles. Take the time to comparison shop at least every other year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The items below are a recap of the car insurance concepts touched on in the above illustrations.
- Higher risk drivers that have major violations or accidents may pay on average $1,340 more annually to insure their Sedona
- You may be able to save approximately $140 per year just by shopping early and online
- Increasing policy deductibles can save around $425 each year
- Policyholders who want more liability coverage will pay around $410 per year to go from 30/60 bodily injury limits to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$83|
|5-yr Claim Free||$75|
|Paid in Full/EFT||$51|
Discounts are estimated and may not be available from every company or in every state.