Kia Sedona Insurance Rates

The average auto insurance rates for a Kia Sedona are $868 annually including full coverage. Comprehensive costs on average $152 a year, collision costs $178, and liability coverage costs around $402. Buying just liability costs as low as $446 a year, with insurance for high-risk drivers costing around $1,860. Teenage drivers cost the most to insure at $3,464 a year or more.

Average premium for full coverage: $868

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Sedona trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than densely populated cities.

The diagram below illustrates how location helps determine car insurance rates.

The examples above highlight why it is important to compare prices based on a specific location and their own personal driving habits, rather than using average rates.

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

Additional Rate Information

The chart below breaks down estimated Kia Sedona insurance rates for different risk profiles and scenarios.

• The best discount rate is $530
• Using higher $1,000 deductibles will save around $794 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $868
• Using low $100 deductibles for physical damage coverage will cost $1,012
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $1,860 or more
• Policy cost with full coverage for a teenage driver may cost $3,464 or more

View Chart as Image

Insurance rates for a Kia Sedona also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.

Older drivers with a clean driving record and high physical damage deductibles may only pay around $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay upwards of $3,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,000 to $1,500 extra every year, depending on your age. A high-risk auto insurance policy can be around 43% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $220 a year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $362 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Kia Sedona insurance rates. A driver around age 40 might see rates as low as $670 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,240 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes and see how they stack up. Each insurance company uses a different method to calculate rates, so the rates will be varied between companies.

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 Buy Affordable Kia Sedona Insurance

Finding cheaper rates on auto insurance requires being safe and accident-free, having a good credit history, paying for small claims out-of-pocket, and bundling your home and auto policies. Invest time comparing rates once a year by getting price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a brief review of the data that was covered in the charts and tables above.

• You may be able to save as much as $100 per year simply by quoting early and online
• Consumers who require more liability protection will pay an extra $440 per year to increase from a 30/60 limit to higher 250/500 limits
• Youthful drivers pay the highest rates, with premiums being up to $289 each month including comprehensive and collision insurance
• Drivers with DUI or reckless driving convictions pay on average $990 more each year than a low-risk driver