Kia Sedona Insurance Rates

Estimated insurance prices for a Kia Sedona are $896 every 12 months for full coverage. Comprehensive insurance costs an estimated $162, collision costs $196, and liability insurance is estimated at $402. A policy with only liability insurance costs approximately $446 a year, with a high-risk policy costing $1,922 or more. Teenage drivers pay the most at $3,550 a year or more.

Average premium for full coverage: $896

Premium estimates broken down by type of coverage:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and for all Sedona models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than densely populated cities.

The example below illustrates how where you live affects insurance prices.

These rate differences show why everyone 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 Analysis

The chart below shows estimated 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 40-year-old good driver who has $500 deductibles is $896
• Using pricier low deductibles for comp and collision coverage costs an extra $154 a year
• High-risk insureds who are prone to accidents and violations could pay up to $1,922 or more
• An auto insurance policy to insure a teen driver for full coverage can cost as much as $3,550 each year

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Car insurance prices for a Kia Sedona also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.

Using high physical damage deductibles can save as much as $240 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged at least $3,500 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying $1,100 to $1,500 extra annually, depending on your age. Kia Sedona insurance for high-risk drivers ranges anywhere from 42% to 136% more than a normal policy. View High Risk Driver Rates

Where you choose to live 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.

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With such a large range in prices, the only way to know which insurance company is cheapest is to regularly compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, so rate quotes will be substantially different.

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 better rates on Kia Sedona insurance takes being a good driver, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Take the time to comparison shop once a year by getting rate quotes from direct carriers, and also from several local insurance agents.

The following list is a brief review of the data that was touched on in the above illustrations.

• Drivers can save approximately $100 per year simply by quoting online well ahead of the renewal date
• Drivers who want an increased level of liability coverage will pay an extra $440 each year to raise limits from 30/60 bodily injury limits to a 250/500 level
• Drivers age 16 to 20 have the highest car insurance prices, as much as $296 per month if the policy includes full coverage
• High-risk drivers with DUI or reckless driving convictions pay on average $1,030 more annually than a safer driver