Kia Sedona Insurance Rates

The average insurance rates for a Kia Sedona are $1,132 a year for full coverage. Comprehensive costs approximately $238, collision costs $374, and liability coverage is estimated at $384. Buying just liability costs approximately $432 a year, with insurance for high-risk drivers costing around $2,440. Teen drivers cost the most to insure at $4,272 a year or more.

Average premium for full coverage: $1,132

Policy rates by type of insurance:

Prices are based on $500 deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for different Sedona trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above show why anyone shopping for car insurance should get quotes using their specific location and risk profile, rather than using price averages.

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

Additional Rate Details

The chart below shows estimated Kia Sedona insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $660
• Choosing higher $1,000 deductibles can save $138 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,132
• Choosing more expensive low deductibles for comp and collision coverage will increase the cost to $1,400
• Drivers with multiple violations and an at-fault accident could pay around $2,440 or more
• Policy cost for full coverage for a teenage driver with full coverage can cost $4,272 each year

View Chart as Image

Insurance rates for a Kia Sedona also range considerably based on your risk profile, the trim level of your Sedona, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $4,200 a year. View Rates by Age

Your home state plays a big part in determining prices for Kia Sedona insurance rates. A good driver about age 40 could pay as low as $750 a year in states like Iowa, Maine, and Idaho, or as much as $1,620 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $410 a year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $345 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,300 to $1,900 extra every year, depending on your age. High-risk driver insurance ranges around 44% to 128% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates and see how they stack up. Each auto insurer uses a different rate calculation, so the rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find Affordable Kia Sedona Insurance

Finding cheaper rates on auto insurance takes not taking risks behind the wheel, maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates at least every other year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a brief review of the car insurance concepts covered above.

• Drivers with DUI or reckless driving convictions may pay on average $1,310 more per year for Sedona insurance
• Drivers can save around $130 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $400 each year
• Consumers who purchase higher liability limits will pay about $420 each year to raise limits from a 30/60 limit to 250/500 limits