Kia Sedona Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Kia Sedona costs more than most other trucks to insure.

• Liability car insurance for a Sedona comes in at about $75 per month, while full coverage usually averages around $135 monthly.

• The lowest insurance company for a Sedona is Fiesta, who offers liability only coverage for as low as just $32 a month, on average.

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Sedona Overview

The Kia Sedona is a great budget-friendly option for any driver, with base prices starting at just $30,400 for 2021 models. Drive off the dealership lot in style, with two different trim options offered.

We analyzed thousands of auto insurance quotes on Compare.com, and we've determined that average Kia Sedona car insurance premiums run about $144 monthly. But how does that fare against its competitors?

How Much is Car Insurance for a Kia Sedona?

Based on the table above, Kia Sedona insurance prices are less expensive than average. On average, Sedona owners will pay around $75 per month for liability insurance, and about $135 a month for full coverage, which has comprehensive and collision coverages in addition to liability (learn more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

Compared to other Kia models, the Sedona is less expensive, with premiums more than 10% lower than the rest of the manufacturer's vehicle lineup. However, compared to other vehicles of a similar body style, Sedona coverage is higher than average, with both liability only and full coverage insurance averaging more expensive prices than other trucks.

When compared to all vehicles of any body type, auto insurance rates for both liability only and full coverage policies run higher than average.

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Who has the Cheapest Car Insurance for a Kia Sedona?

If you're looking for an auto insurance policy for a Kia Sedona, you might want to know which carrier offers the most affordable premiums. While prices can vary quite significantly depending on your driver profile, Fiesta provides the most affordable average rates for liability only coverage, with rates as cheap as $32 per month. With car insurance as cheap as just $34 monthly, Aspire is the next cheapest car insurance company.

Workmens, Shelter Mutual, and Clearcover round out the rest of the top 5 list. That being said, just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Kia Sedona.

Auto insurance companies take many things into consideration when offering you rates. By reviewing quotes from an array of insurance carriers at once, you can be sure you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for a Kia Sedona?

There are numerous pieces that auto insurance companies take a look at to choose how much they charge -- and each carrier uses a different formula, so there's not one company that's the cheapest for everyone.

Keep reading to learn which factors insurance carriers look at and how they affect your final rate:

Vehicle Age

The Kia Sedona has been around for a while -- that means vehicle age will likely play a big role in what you end up paying for car insurance. Normally, it costs more to insure newer cars because they're worth more, but as they get older, insurance costs will gradually go lower.

Based on the information in the above table, the Kia Sedona is inline with this trend, as the cheapest models to insure are those that are 6 to 7 years old, while the most expensive models are Sedonas that are 4 to 5 years old, on average.

Your Age

Age is another factor that plays a significant role in how much auto insurance companies will charge you for a policy. Based on the information in the table above, drivers who are under 18 pay more for car insurance than those with more experience on the road. In this case, drivers under 18 pay over five times as much as those 25 or older.

Car insurance prices continue to go down as you get older, with drivers aged 55-64 making up the cheapest age group for the Sedona.

Your Gender

Did you know men tend to pay more for insurance than women? This is because men are more likely to get speeding tickets and get into accidents, which raises the chances of an insurance claim. The Kia Sedona follows this convention, and men pay around $81 a month for auto insurance, while women pay about $72.

Where You Live

You might already know that variables such as what vehicle you drive and how old you are play a role in your insurance premiums, but did you know that where you live can have just as much as an impact? Since car insurance is regulated on the state level and not nationally, rates can fluctuate quite a bit from state to state.

For example, the average Kia Sedona driver in New York pays around $203 monthly for liability coverage. Meanwhile, on average, the same owner from California will pay only a quarter of that price. The chart above shows average premiums for the 10 largest states by population, just to give you a good idea of how much prices can change across states.

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Kia Sedona Car Insurance Discounts

No matter what state you call home, how old you are, or which vehicle you drive, using as many discounts as possible when it comes to your auto insurance is always important when shopping around for a new policy.

Not every car insurance carrier will offer the same discounts, but there are a few that are relatively common. These include things like:

• Defensive driving discounts for drivers who take a defensive driving class through an accredited school or institution
• Multi-car discounts for insuring more than one of your vehicles with the same company
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher safety ratings
• Multi-policy discounts for using the same insurance carrier for both your home and auto insurance

However, discounts aren't the only way to save. Sometimes, the best rates come from simply having a favorable insurance profile, which means not having any recent insurance claims or just having a clean driving record.

Even though you don't have control over every variable insurance carriers use to calculate rates (like some of the ones mentioned above), you do have a say over some of them. Below are just a few of the things you can use to your favor in order to save money on car insurance:

Your Driving Record

It's no secret that insurance companies offer the most affordable premiums to drivers with a history of responsible driving. It checks out that if you get a speeding ticket or get into an accident, auto insurance rates will go higher. But you're probably wondering exactly how much these infractions can cost you.

If you look at the table above, you'll notice that accidents will usually cost Sedona drivers more than tickets, but both will result in higher than normal rates. Kia Sedona drivers with a single ticket will pay an average of $82 per month, while drivers with one accident on their record pay about $91 each month (up $16 from the $75/mo. overall average). Those with multiple kinds of either violation will end up paying even more.

How Much You Drive

Another factor you have control over is the amount of miles you drive. Those who are on the roads less often are more likely to go accident-free, so they'll normally be offered less expensive prices. Above, you can see that Kia Sedona owners who drive between 5,000 and 7,500 miles per year pay about $65 a month for insurance, while those who put between 7,500 and 10,000 miles on their cars pay $81.

But if you drive less often than the average driver or work from home, it may be worth learning about usage-based or pay-per-mile car insurance. With these policies, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Kia Sedonas Compare to Other Vehicles?

If you're thinking about purchasing a Kia Sedona, you're probably wondering how it compares to other cars. Insurance is just one cost that's associated with buying a new car, but it's certainly one that's worth considering.

Review the table below to see how the Kia Sedona compares:

Overall, the Kia Sedona is a fantastic value when it comes to price, with an MSRP that's a third less than the going rate for a new vehicle. The Sedona comes in at $30,400, which is much cheaper than the national average vehicle MSRP of $46,179.

Liability insurance for a Kia Sedona is, while full coverage is over $20 cheaper per month.

When it comes to usage, Kia Sedona drivers are near the national average in annual miles driven, with 11,660 miles every year for all vehicles compared to the Sedona's 11,614 a year.

Kia Sedona Car Insurance Costs by Model Year

We've walked through many of the variables that can affect how much the average driver pays for auto insurance. But if you're considering purchasing a new Sedona, having a good idea of exactly how much you'll pay can be helpful as you consider your choices.

That's why we've broken down Kia Sedona car insurance rates by model year. Find the model year you want in the dropdown to see average rates for both full coverage and liability only options, as well as some other helpful info, like which trim levels are offered, who offers the cheapest policies, and the base MSRP for each year the Sedona has been around.

Choose Your Model

2020 Kia Sedona Car Insurance 2019 Kia Sedona Car Insurance 2018 Kia Sedona Car Insurance 2017 Kia Sedona Car Insurance 2016 Kia Sedona Car Insurance 2015 Kia Sedona Car Insurance 2014 Kia Sedona Car Insurance 2012 Kia Sedona Car Insurance 2011 Kia Sedona Car Insurance 2010 Kia Sedona Car Insurance 2009 Kia Sedona Car Insurance

2020 Kia Sedona Car Insurance

It costs about $82 monthly for liability or $176 for a full coverage policy for the 2020 Kia Sedona.

We found Aspire offered the most affordable policy, with rates sometimes as little as $17 per month.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2019 Kia Sedona Car Insurance

2019 Sedona drivers can expect to pay an average of $68 monthly for liability or $157 for full coverage.

Looking for the lowest policy? Gainsco offered liability only coverage for as low as $24 a month.

These average prices are a great starting point if you're in the market for a 2019 Kia Sedona, but there are lots of different factors that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2018 Kia Sedona Car Insurance

The average cost to insure a 2018 Kia Sedona with liability only coverage is $70 monthly, while full coverage runs around $187 per month.

Clearcover offered the most affordable policy we found, with rates sometimes as cheap as $22 a month.

Want something more accurate than national averages? All you need to do is enter your ZIP code below and you'll be on your way to comparing a wide array of personalized quotes from the nation's top insurance carriers.

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2017 Kia Sedona Car Insurance

You can expect full coverage for a 2017 Sedona to run about $156 per month, while liability only coverage will average around $68 monthly.

With premiums as little as $27 a month, Infinity offered the cheapest policy we found for the 2017 Kia Sedona.

If you want to know just how much your rate will be, just enter your ZIP code below and get several free quotes in minutes.

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2016 Kia Sedona Car Insurance

On average, drivers who own a 2016 Kia Sedona can expect to pay $97 to $146 per month for liability only and full coverage insurance, respectively.

With prices sometimes as low as $23 a month, MetLife offered the lowest policy we found.

Interested in just how much you'll pay? Just enter your ZIP code below to get a variety of customized quotes for free.

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2015 Kia Sedona Car Insurance

You can expect full coverage for a 2015 Sedona to run about $160 monthly, while liability only coverage will average around $115 a month.

If you're looking for the cheapest possible 2015 Kia Sedona insurance policy, MetroMile offered the cheapest policy we found, with rates as little as just $20 monthly.

If you want to know exactly how much you can expect to pay for your Sedona, get free quotes in minutes by just entering your ZIP code below.

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2014 Kia Sedona Car Insurance

2014 Kia Sedona drivers can expect to pay an average of $68 per month for liability or $118 for full coverage.

MetLife has rates as cheap as just $17 monthly for the 2014 Kia Sedona.

Want to find the most affordable rates? Enter your ZIP code below to get several customized quotes for free.

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2012 Kia Sedona Car Insurance

On average, drivers who own a 2012 Sedona can expect to pay $89 to $126 a month for liability only and full coverage auto insurance, respectively.

With premiums as little as just $19 per month, Ohio Mutual offered the lowest policy we found.

If you're looking for a more exact figure on what you should pay for car insurance for a 2012 Kia Sedona, you can get free quotes in minutes by just entering your ZIP code below.

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2011 Kia Sedona Car Insurance

It costs about $72 a month for liability or $122 for a full coverage policy for the 2011 Kia Sedona.

We found Clearcover offered the cheapest policy, with rates as low as just $17 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2010 Kia Sedona Car Insurance

The average cost to insure a 2010 Sedona with liability only coverage is $69 monthly, while full coverage runs around $128 a month.

If you're looking for the most affordable 2010 Kia Sedona insurance policy, Gainsco offered the lowest policy we found, with rates as cheap as $20 monthly.

While these are good estimates of what the average driver might pay to insure a 2010 Kia Sedona, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2009 Kia Sedona Car Insurance

On average, drivers who own a 2009 Kia Sedona can expect to pay $85 to $135 per month for liability only and full coverage auto insurance, respectively.

Gainsco offered the most affordable policy we found, with rates as little as $21 a month.

Want to figure out exactly what you'll be asked to pay? Enter your ZIP code below to get lots of free customized quotes.

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Kia Sedona Insurance FAQs

Is a Kia Sedona expensive to insure?

The Kia Sedona is more expensive to insure compared to the average vehicle. Liability insurance runs an average of $75 per month, while full coverage will cost you around $135.

How can I get the best price on car insurance for my Kia Sedona?

There's only one way to be confident you're getting the lowest rates -- regularly shopping around and getting quotes. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from lots of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Kia Sedona affect my insurance prices?

You may have heard the old adage that it costs more to insure a red car, but that's just a myth. There are multiple things insurance carriers examine when they decide how much your policy will be, but your Sedona's color is not factored into that decision.

Do I need to have insurance before I buy a Kia Sedona?

You'll need to have valid auto insurance for your Kia Sedona before you can legally drive your it off the dealership lot. Some dealerships might offer you an auto insurance policy as part of the car-buying process, but the best thing to do when buying a a new truck is to let your insurance company know ahead of time.

What car insurance discounts can I get for my Kia Sedona?

You will find many different discounts out there when it comes to car insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are more based on you than the vehicle you drive, but if your Sedona has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may qualify for certain discounts. To learn more about which discounts you may qualify for, get in touch with your insurance carrier and ask about their discounts.