Kia Sedona Insurance Rates

The average insurance rates for a Kia Sedona are $896 a year for full coverage insurance. Comprehensive insurance costs approximately $162 a year, collision insurance costs $196, and liability insurance is estimated at $402. A liability-only policy costs approximately $446 a year, and high-risk insurance costs $1,922 or more. Teenage drivers cost the most to insure at up to $3,550 a year.

Average premium for full coverage: $896

Policy rates by type of insurance:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Sedona trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates how where you live affects auto insurance prices.

The examples above illustrate why it is important to get quotes using their specific location and risk profile, rather than relying on average rates.

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

Rates by State, City, and Model

The chart below illustrates average Kia Sedona insurance rates for additional coverage and risk scenarios.

• The best discount rate is $543
• Choosing higher $1,000 deductibles can save $816 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $896
• Using low $100 deductibles for comp and collision coverage will cost an extra $154 a year
• High-risk insureds who are prone to accidents and violations could pay around $1,922
• Policy cost for full coverage for a teen driver can cost $3,550 each year

View Chart as Image

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

Older drivers with no driving violations and high deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $3,500 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 $590 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,210 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $240 each year, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,100 to $1,500 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 136% more than a normal policy. View High Risk Driver Rates

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 Cheap Kia Sedona Insurance

Finding cheaper rates on Kia Sedona insurance takes avoiding accidents and claims, having above-average credit, being claim-free, and attention to physical damage deductibles. Take the time to comparison shop at least every other year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The points below are a brief summary of the car insurance concepts touched on in the above illustrations.

• High-risk drivers that tend to have accidents or serious violations may pay on average $1,030 more per year to insure a Kia Sedona
• It is possible to save around $100 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $225 each year
• Drivers who purchase increased liability limits will pay an extra $440 annually to raise limits from a 30/60 limit to 250/500 limits