Kia Sedona Insurance Rates
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UPDATED: Jun 3, 2023
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The average auto insurance rates for a Kia Sedona are $930 annually for full coverage. Comprehensive costs approximately $174 each year, collision costs $214, and liability coverage is $406. Liability-only coverage costs around $450 a year, with high-risk coverage costing around $1,992. Teens cost the most to insure at $3,656 a year or more.
Average premium for full coverage: $930
Policy rates by type of insurance:
Rate estimates include $500 deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Sedona models.
Price Range Variability
For an average driver, Kia Sedona insurance rates go from as cheap as $450 for just the minimum liability insurance to a high rate of $1,992 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on car insurance rates. Rural locations are shown to have fewer accident claims than cities with more traffic congestion.
The graphic below illustrates the effect of geographic area on auto insurance prices.
The examples above show why all drivers should compare rates quotes using their specific location and their own personal driving habits, rather than using averaged prices.
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.
Additional Rate Analysis
The chart below shows estimated Kia Sedona insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $562
- Raising to $1,000 deductibles will save $88 a year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $930
- Selecting low deductibles will cost $1,098
- Unlucky drivers with serious driving violations could pay around $1,992 or more
- Policy cost with full coverage for a teenage driver can cost $3,656
Insurance rates for a Kia Sedona also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.
More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $3,600 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,100 to $1,600 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 132% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $260 a year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $366 more each year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Kia Sedona insurance rates. A middle-age driver might find rates as low as $610 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,330 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $840 | -$90 | -9.7% |
| Alaska | $714 | -$216 | -23.2% |
| Arizona | $770 | -$160 | -17.2% |
| Arkansas | $930 | -$0 | 0.0% |
| California | $1,058 | $128 | 13.8% |
| Colorado | $886 | -$44 | -4.7% |
| Connecticut | $954 | $24 | 2.6% |
| Delaware | $1,052 | $122 | 13.1% |
| Florida | $1,162 | $232 | 24.9% |
| Georgia | $858 | -$72 | -7.7% |
| Hawaii | $670 | -$260 | -28.0% |
| Idaho | $630 | -$300 | -32.3% |
| Illinois | $692 | -$238 | -25.6% |
| Indiana | $702 | -$228 | -24.5% |
| Iowa | $626 | -$304 | -32.7% |
| Kansas | $884 | -$46 | -4.9% |
| Kentucky | $1,268 | $338 | 36.3% |
| Louisiana | $1,376 | $446 | 48.0% |
| Maine | $574 | -$356 | -38.3% |
| Maryland | $768 | -$162 | -17.4% |
| Massachusetts | $742 | -$188 | -20.2% |
| Michigan | $1,612 | $682 | 73.3% |
| Minnesota | $780 | -$150 | -16.1% |
| Mississippi | $1,114 | $184 | 19.8% |
| Missouri | $824 | -$106 | -11.4% |
| Montana | $998 | $68 | 7.3% |
| Nebraska | $734 | -$196 | -21.1% |
| Nevada | $1,114 | $184 | 19.8% |
| New Hampshire | $670 | -$260 | -28.0% |
| New Jersey | $1,040 | $110 | 11.8% |
| New Mexico | $822 | -$108 | -11.6% |
| New York | $980 | $50 | 5.4% |
| North Carolina | $536 | -$394 | -42.4% |
| North Dakota | $762 | -$168 | -18.1% |
| Ohio | $640 | -$290 | -31.2% |
| Oklahoma | $952 | $22 | 2.4% |
| Oregon | $852 | -$78 | -8.4% |
| Pennsylvania | $884 | -$46 | -4.9% |
| Rhode Island | $1,240 | $310 | 33.3% |
| South Carolina | $844 | -$86 | -9.2% |
| South Dakota | $786 | -$144 | -15.5% |
| Tennessee | $814 | -$116 | -12.5% |
| Texas | $1,120 | $190 | 20.4% |
| Utah | $686 | -$244 | -26.2% |
| Vermont | $636 | -$294 | -31.6% |
| Virginia | $556 | -$374 | -40.2% |
| Washington | $718 | -$212 | -22.8% |
| West Virginia | $852 | -$78 | -8.4% |
| Wisconsin | $640 | -$290 | -31.2% |
| Wyoming | $830 | -$100 | -10.8% |
Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to do a rate comparison and see how they stack up. Every auto insurance company calculates rates differently, and rates will be varied between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Kia Sedona | $908 | $76 |
| Kia Sedona LX | $930 | $78 |
| Kia Sedona EX | $976 | $81 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Kia Sedona | $272 | $436 | $354 | $1,198 |
| 2020 Kia Sedona | $262 | $418 | $364 | $1,180 |
| 2019 Kia Sedona | $248 | $404 | $376 | $1,164 |
| 2018 Kia Sedona | $238 | $374 | $384 | $1,132 |
| 2017 Kia Sedona | $230 | $352 | $388 | $1,106 |
| 2016 Kia Sedona | $220 | $316 | $390 | $1,062 |
| 2015 Kia Sedona | $206 | $292 | $390 | $1,024 |
| 2014 Kia Sedona | $198 | $272 | $394 | $1,000 |
| 2012 Kia Sedona | $180 | $236 | $402 | $954 |
| 2011 Kia Sedona | $174 | $214 | $406 | $930 |
| 2010 Kia Sedona | $162 | $196 | $402 | $896 |
| 2008 Kia Sedona | $148 | $160 | $398 | $842 |
| 2007 Kia Sedona | $146 | $156 | $390 | $828 |
| 2006 Kia Sedona | $144 | $150 | $384 | $814 |
| 2005 Kia Sedona | $132 | $142 | $380 | $790 |
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 Buy the Best Kia Sedona Insurance
Finding cheaper rates on auto insurance consists of not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following is a brief recap of the data that was covered in the above illustrations.
- Drivers can save around $110 per year simply by quoting online in advance
- Consumers who purchase higher liability limits will pay approximately $450 each year to raise from a 30/60 limit to higher 250/500 limits
- Teens are the costliest to insure, costing up to $305 each month if they have full coverage
- Drivers who tend to receive serious violations pay on average $1,060 more per year for Sedona insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,656 |
| 20 | $2,110 |
| 30 | $952 |
| 40 | $930 |
| 50 | $854 |
| 60 | $836 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,098 |
| $250 | $1,022 |
| $500 | $930 |
| $1,000 | $842 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $930 |
| 50/100 | $1,057 |
| 100/300 | $1,159 |
| 250/500 | $1,423 |
| 100 CSL | $1,098 |
| 300 CSL | $1,321 |
| 500 CSL | $1,484 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,164 |
| 20 | $3,358 |
| 30 | $2,016 |
| 40 | $1,992 |
| 50 | $1,904 |
| 60 | $1,882 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $48 |
| Multi-vehicle | $49 |
| Homeowner | $16 |
| 5-yr Accident Free | $57 |
| 5-yr Claim Free | $58 |
| Paid in Full/EFT | $35 |
| Advance Quote | $41 |
| Online Quote | $64 |
| Total Discounts | $368 |
Discounts are estimated and may not be available from every company or in every state.
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