Kia Sedona Insurance Rates

The average insurance rates for a Kia Sedona are $868 a year with full coverage. Comprehensive insurance costs an estimated $152 a year, collision costs $178, and liability coverage is estimated at $402. Liability-only coverage costs approximately $446 a year, with high-risk coverage costing $1,860 or more. 16-year-old drivers cost the most to insure at $3,464 a year or more.

Average premium for full coverage: $868

Policy rates broken down by type of insurance:

Price estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and Sedona trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than congested cities.

The diagram below illustrates how location helps determine insurance prices.

The examples above demonstrate why it is important to get quotes for a targeted area and risk profile, rather than using rate averages.

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

More Rate Information

The chart below details estimated Kia Sedona insurance rates for other coverage scenarios.

• The best full coverage rate is $530
• Choosing higher $1,000 deductibles can save approximately $794 annually
• The average rate for a good driver age 40 who has $500 deductibles is $868
• Buying low $100 deductibles for comp and collision coverage will cost an extra $144 each year
• Drivers with multiple tickets or accidents could pay up to $1,860 or more
• Policy cost for full coverage for a teenage driver can cost as much as $3,464 each year

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles may only pay around $800 annually on average, or $67 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay at least $3,400 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 $630 a year in states like Utah, Ohio, and New Hampshire, or at least $1,170 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $220 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,000 to $1,500 additional every year, depending on your age. A high-risk auto insurance policy ranges around 43% to 128% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes and see how they stack up. Each auto insurer utilizes a different rate formula, and rates will be varied from one company to the next.

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 Find Cheaper Kia Sedona Insurance

Finding cheaper rates on auto insurance takes being a safe and courteous driver, having a good credit history, not filing small claims, and maximizing policy discounts. Invest time comparing rates at least once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below is a condensed summary of the primary concepts that were covered in the charts and tables above.

• You may be able to save approximately $100 per year simply by quoting early and online
• Drivers with multiple at-fault accidents may pay on average $990 more annually for auto insurance
• Increasing comprehensive and collision deductibles can save around $225 each year
• Teenage drivers are expensive to insure, as much as $289 each month including comprehensive and collision insurance