Kia Sedona Insurance Rates

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Cheapest 2005 Kia Sedona Insurance Rates in 2025

Finding affordable car insurance can be hard for people who are new to comparison shopping online. Whether you are looking to insure your 2005 Kia Sedona, or any other car you might own, you have so many choices that it can quickly become a lot of work to locate the lowest price. Automobile Insurance Quotes Performing a rate comparison is a ton of work if you don't know the most efficient way. Y...

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UPDATED: Jun 3, 2023

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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:

Comprehensive $162
Collision $196
Liability $402

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

Using a middle-aged driver as an example, Kia Sedona insurance rates range from as low as $446 for a discount liability-only rate to a high of $1,922 for a high-risk insurance policy.

Liability Only $446
Full Coverage $896
High Risk $1,922

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.

Rural Areas $672
Small Cities $941
Large Cities $1,210

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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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

Kia Sedona insurance cost comparison chart
Column chart showing Kia Sedona insurance prices range from $543 to $3,550 for full coverage

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.

Kia Sedona Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $810 -$86 -9.6%
Alaska $686 -$210 -23.4%
Arizona $744 -$152 -17.0%
Arkansas $896 -$0 0.0%
California $1,022 $126 14.1%
Colorado $854 -$42 -4.7%
Connecticut $920 $24 2.7%
Delaware $1,012 $116 12.9%
Florida $1,118 $222 24.8%
Georgia $830 -$66 -7.4%
Hawaii $644 -$252 -28.1%
Idaho $608 -$288 -32.1%
Illinois $666 -$230 -25.7%
Indiana $676 -$220 -24.6%
Iowa $604 -$292 -32.6%
Kansas $850 -$46 -5.1%
Kentucky $1,222 $326 36.4%
Louisiana $1,326 $430 48.0%
Maine $554 -$342 -38.2%
Maryland $740 -$156 -17.4%
Massachusetts $716 -$180 -20.1%
Michigan $1,556 $660 73.7%
Minnesota $750 -$146 -16.3%
Mississippi $1,074 $178 19.9%
Missouri $794 -$102 -11.4%
Montana $962 $66 7.4%
Nebraska $704 -$192 -21.4%
Nevada $1,074 $178 19.9%
New Hampshire $646 -$250 -27.9%
New Jersey $1,004 $108 12.1%
New Mexico $792 -$104 -11.6%
New York $942 $46 5.1%
North Carolina $518 -$378 -42.2%
North Dakota $734 -$162 -18.1%
Ohio $618 -$278 -31.0%
Oklahoma $918 $22 2.5%
Oregon $820 -$76 -8.5%
Pennsylvania $854 -$42 -4.7%
Rhode Island $1,194 $298 33.3%
South Carolina $812 -$84 -9.4%
South Dakota $756 -$140 -15.6%
Tennessee $784 -$112 -12.5%
Texas $1,080 $184 20.5%
Utah $664 -$232 -25.9%
Vermont $610 -$286 -31.9%
Virginia $538 -$358 -40.0%
Washington $692 -$204 -22.8%
West Virginia $820 -$76 -8.5%
Wisconsin $618 -$278 -31.0%
Wyoming $796 -$100 -11.2%

View Chart as Image

Kia Sedona insurance rates by U.S. city

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

Kia Sedona Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Kia Sedona $878 $73
Kia Sedona LX $896 $75
Kia Sedona EX $936 $78

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.

Kia Sedona Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2021 Kia Sedona $262 $418 $364 $1,180
2020 Kia Sedona $248 $404 $376 $1,164
2019 Kia Sedona $238 $374 $384 $1,132
2018 Kia Sedona $230 $352 $388 $1,106
2017 Kia Sedona $220 $316 $390 $1,062
2016 Kia Sedona $206 $292 $390 $1,024
2015 Kia Sedona $198 $272 $394 $1,000
2014 Kia Sedona $194 $254 $402 $986
2012 Kia Sedona $174 $214 $406 $930
2011 Kia Sedona $162 $196 $402 $896
2010 Kia Sedona $152 $178 $402 $868
2008 Kia Sedona $146 $156 $390 $828
2007 Kia Sedona $144 $150 $384 $814
2006 Kia Sedona $132 $142 $380 $790
2005 Kia Sedona $126 $134 $376 $772

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 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

Rates by Driver Age

Kia Sedona Insurance Rates by Driver Age
Driver Age Premium
16 $3,550
20 $2,034
30 $914
40 $896
50 $824
60 $806

Full coverage, $500 deductibles

Rates by Deductible

Kia Sedona Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,050
$250 $982
$500 $896
$1,000 $816

Full coverage, driver age 40

Rates by Liability Limit

Kia Sedona Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $896
50/100 $1,016
100/300 $1,117
250/500 $1,378
100 CSL $1,057
300 CSL $1,278
500 CSL $1,439

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Sedona Insurance Rates for High Risk Drivers
Age Premium
16 $5,008
20 $3,238
30 $1,938
40 $1,922
50 $1,832
60 $1,814

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.

SR-22 Surcharge $118

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $46
Multi-vehicle $48
Homeowner $16
5-yr Accident Free $54
5-yr Claim Free $56
Paid in Full/EFT $33
Advance Quote $39
Online Quote $61
Total Discounts $353
Rate after discounts $543

Discounts are estimated and may not be available from every company or in every state.

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