Kia Sedona Insurance Rates

The average insurance rates for a Kia Sedona are $868 a year with full coverage. Comprehensive costs on average $152 a year, collision insurance costs $178, and liability costs $402. A liability-only policy costs as little as $446 a year, and high-risk insurance costs around $1,860. Teen drivers cost the most to insure at up to $3,464 a year.

Average premium for full coverage: $868

Policy rates by type of insurance:

Full coverage includes $500 deductible amounts, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and Sedona trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The examples above demonstrate why it is important to compare rates based on a specific location, instead of making a decision based on price averages.

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

More Rate Information

The chart below details average Kia Sedona insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $530
• Drivers who choose higher $1,000 deductibles will pay around $794 annually
• The estimated price for a good driver age 40 with $500 deductibles is $868
• Choosing low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,012
• Drivers with multiple violations and an at-fault accident could pay upwards of $1,860
• Policy cost that insures a 16-year-old driver may cost $3,464 a year

View Chart as Image

Car insurance rates for a Kia Sedona also range considerably based on the trim level of your Sedona, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,000 to $1,500 extra every year, depending on your age. A high-risk auto insurance policy can cost from 43% to 128% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $800 per year on average, or $67 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged upwards of $3,400 a year. View Rates by Age

Your home state makes a big difference in Kia Sedona insurance prices. A 40-year-old driver could pay as low as $630 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,170 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles could save up to $220 annually, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

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 More Affordable Kia Sedona Insurance

Finding cheaper rates on insurance for a Kia Sedona not only requires having a good driving record, but also having a positive credit history, not filing small claims, and possibly raising deductibles. Shop around at every other renewal by requesting rates from direct companies, and also from several local insurance agents.

The next list is a summary of the concepts that were covered above.

• Drivers considered higher risk who have multiple accidents or major violations pay on average $990 more each year to buy Kia Sedona insurance
• Drivers age 20 and younger are expensive to insure, as much as $289 each month if full coverage is purchased
• You may be able to save as much as $100 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $225 each year
• You may be able to save as much as $100 per year just by quoting early and online