Kia Sedona Insurance Rates

Estimated insurance rates for a Kia Sedona are $868 a year for full coverage insurance. Comprehensive insurance costs around $152, collision costs $178, and liability is estimated at $402. A liability-only policy costs approximately $446 a year, with high-risk insurance costing $1,860 or more. Teenage drivers pay the most at $3,464 a year or more.

Average premium for full coverage: $868

Premium estimates for type of coverage:

Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for all Sedona models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have a lower frequency of physical damage claims than densely populated cities.

The example below illustrates how geographic area affects auto insurance rates.

These rate differences illustrate why everyone should get quotes for a specific zip code and risk profile, instead of using average rates.

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

Rates by State, City, and Model

The chart below illustrates estimated Kia Sedona insurance rates for additional coverage choices and driver risks.

• The best discount rate is $530
• Choosing higher $1,000 deductibles can save about $74 each year
• The average rate for a 40-year-old good driver using $500 deductibles is $868
• Using pricier low deductibles for comp and collision coverage will cost an extra $144 every year
• Unlucky drivers who are prone to accidents and violations could pay at least $1,860 or more
• An auto insurance policy for full coverage for a teen driver for full coverage can be $3,464 each year

View Chart as Image

Auto insurance prices for a Kia Sedona also have a wide range based on your driving characteristics, the model year and trim level, and deductibles and policy limits.

A more mature driver with a good driving record and high deductibles may pay as little as $800 annually on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay as much as $3,400 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Kia Sedona insurance prices. A good driver about age 40 could pay as low as $570 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,170 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $220 every year, whereas buying more liability protection will increase prices. Switching from a 50/100 limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at least $1,000 to $1,500 in extra premium annually, depending on your age. Kia Sedona insurance for high-risk drivers ranges as much as 43% to 128% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out your exact price is to regularly compare prices and see which company has the best price. Each auto insurer uses a different method to calculate prices, and quoted prices will be substantially different from one company to the next.

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 the Best Kia Sedona Insurance

Finding better rates on car insurance takes avoiding accidents and claims, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to compare rates once a year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The points below are a brief recap of the data that was presented in the illustrations above.

• It is possible to save up to $100 per year simply by quoting online well ahead of the renewal date
• Policyholders who may need increased liability limits will pay an extra $440 annually to raise limits from 30/60 bodily injury limits to 250/500 limits
• Drivers under the age of 20 are expensive to insure, with premiums being up to $289 per month if they have full coverage
• Higher risk drivers who tend to receive serious violations may pay on average $990 more every year to insure a Kia Sedona