Kia Sedona Insurance Rates

The average insurance prices for a Kia Sedona are $896 every 12 months for full coverage. Comprehensive costs an estimated $162 each year, collision insurance costs $196, and liability insurance is estimated at $402. Liability-only coverage costs approximately $446 a year, and high-risk coverage costs around $1,922. Teenage drivers cost the most to insure at up to $3,550 a year.

Average premium for full coverage: $896

Policy rates broken down by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Sedona models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. More rural locations are shown to have more infrequent accident claims than densely populated cities. The graphic below illustrates the difference location can make on insurance prices.

The examples above show why all drivers should get quotes for a targeted area and their own driving history, rather than relying on average rates.

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

Additional Rate Information

The chart below shows average Kia Sedona insurance rates for other coverage scenarios.

• The best discount rate is $543
• Choosing higher $1,000 deductibles can save approximately $80 a year
• The average price for a good driver age 40 who has $500 deductibles is $896
• Using low deductibles for comp and collision coverage increases the price to $1,050
• High-risk insureds who are prone to accidents and violations could pay up to $1,922
• Policy cost to insure a teen driver can cost as much as $3,550 each year

View Chart as Image

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

Using high physical damage deductibles can save as much as $240 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $3,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,100 to $1,500 additional every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 42% to 136% more than a normal policy. View High Risk Driver Rates

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 $590 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,280 on average in New York, Louisiana, and Michigan.

View Chart as Image

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 Shop for Affordable Kia Sedona Insurance

Finding cheaper rates on Kia Sedona insurance takes avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Make time to compare rates at every other renewal by getting quotes from direct carriers, and also from several local insurance agents.

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

• High-risk drivers with DUI or reckless driving convictions pay on average $1,030 more annually for car insurance
• Teenagers are expensive to insure, costing up to $296 each month if full coverage is included
• Drivers can save approximately $100 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $225 each year
• Drivers can save approximately $100 per year just by quoting online in advance