Are Kia Sedonas Expensive to Insure? [How to Find Cheap Rates]

Average Kia Sedona car insurance rates cost $100 per month ($1,204 per year). On average, Kia Sedona comprehensive insurance coverage costs $293, collision coverage costs $428, and liability coverage costs $340.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 17, 2020

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Key takeaways:

  • Full coverage costs around $1,204 a year or $100 each month
  • A liability-only policy costs around $483 a year or $40 each month
  • Highest rates are for teenage drivers at around $4,401 a year or $367 each month
  • Good drivers can save as much as $496 a year by earning policy discounts
  • Kia Sedona insurance costs around $315 less per year than the average vehicle

Kia Sedona insurance rates are about $315 less per year than the average vehicle with full coverage costing around $1,204 a year or $100 a month. Good drivers can save up to $496 a year in policy discounts by practicing safe driving habits. Let’s take a deeper look at Kia Sedona insurance rates, safety ratings, and more.

You can start comparing quotes for Kia Sedona car insurance rates from some of the best car insurance companies by using our free online tool now.

Kia Sedona Insurance Cost

The average Kia Sedona car insurance rates are $1,204 a year or $100 a month.

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Are Kia Sedonas Expensive to Insure?

The chart below details how Kia Sedona insurance rates compare to other vans like the Toyota Sienna, Honda Odyssey, and Dodge Grand Caravan.

Vehicle Comprehensive Collision Liability Total
Kia Sedona $282 $448 $338 $1,204
Toyota Sienna $294 $532 $372 $1,356
Honda Odyssey $280 $532 $372 $1,342
Dodge Grand Caravan $308 $438 $372 $1,276
Chrysler Pacifica $348 $532 $316 $1,332
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However, there are a few things you can do to find the cheapest Kia insurance rates online.

What Impacts the Cost of Kia Sedona Insurance?

Even though the average annual rate for the Kia Sedona is $1,204, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Kia Sedona.

Age of the Vehicle

Older Kia Sedona models generally cost less to insure. For example, auto insurance rates for a 2018 Kia Sedona are $1,204, while 2010 Kia Sedona rates are $1,000, a difference of $204.

Model Year Comprehensive Collision Liability Total
2018 Kia Sedona $282 $448 $338 $1,204
2017 Kia Sedona $272 $436 $354 $1,198
2016 Kia Sedona $262 $418 $364 $1,180
2015 Kia Sedona $248 $404 $376 $1,164
2014 Kia Sedona $238 $374 $384 $1,132
2012 Kia Sedona $220 $316 $390 $1,062
2011 Kia Sedona $206 $292 $390 $1,024
2010 Kia Sedona $198 $272 $394 $1,000
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Driver Age

Driver age can have a significant impact on Kia Sedona auto insurance rates. For example, 20-year-old drivers pay approximately $1,472 more each year for their Kia Sedona auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Kia Sedona insurance rates. For example, drivers in New York may pay $734 a year more than drivers in Seattle.

Your Driving Record

Your driving record can have an impact on the cost of Kia Sedona car insurance. Teens and drivers in their 20’s see the highest jump in their Kia Sedona auto insurance rates with violations on their driving record.

Kia Sedona Safety Ratings

Your Kia Sedona auto insurance rates are influenced by the Kia Sedona’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Acceptable
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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Kia Sedona Crash Test Ratings

Not only do good Kia Sedona crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper Kia Sedona auto insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 Kia Sedona VAN FWD 5 stars 5 stars 5 stars 4 stars
2019 Kia Sedona VAN FWD 5 stars 5 stars 5 stars 4 stars
2018 Kia Sedona VAN FWD 5 stars 5 stars 5 stars 4 stars
2017 Kia Sedona VAN FWD 5 stars 5 stars 5 stars 4 stars
2016 Kia Sedona VAN FWD 5 stars 5 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Kia Sedona Safety Features

Most drivers don’t realize that not only do Kia Sedona safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Kia Sedona auto insurance rates. The Kia Sedona’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Integrated Turn Signal Mirrors
  • Traction Control

Kia Sedona Insurance Loss Probability

The lower percentage means lower Kia Sedona car insurance costs; higher percentages mean higher Kia Sedona car insurance costs. Compare the following Kia Sedona auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.

Insurance Coverage Category Loss Rate
Collision 2%
Property Damage -36%
Comprehensive -4%
Personal Injury 16%
Medical Payment no data
Bodily Injury no data
Source: Insurance Institute for Highway Safety
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Kia Sedona Finance and Insurance Cost

If you are financing a Kia Sedona, most lenders will require your carry higher Kia Sedona coverage options including comprehensive coverage, so be sure to shop around and compare Kia Sedona car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Kia Sedona Insurance

If you want to reduce the cost of your Kia Sedona insurance rates, follow these tips below:

  • Ask About Kia Sedona Safety Discounts
  • Talk to Your Credit Card Company to Save on Rental Car Costs
  • Work with a Direct Insurer Instead of an Insurance Broker for Your Kia Sedona
  • Ask About Loyalty Discounts
  • Make Sure You Use an Accredited Driver Safety Program

Top Kia Sedona Insurance Companies

Who is the top auto insurance company for Kia Sedona insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Kia Sedona auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Kia Sedona offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Kia Sedona Insurance Quotes Online

You can start comparing quotes for Kia Sedona auto insurance rates from some of the best auto insurance companies by using our free online tool now.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Average Monthly Car Insurance Rates by State