KIA Sedona Car Insurance Cost 2025
On average, insuring a KIA Sedona costs $4,408 per year. However, your actual premium may vary based on factors like your age, the car’s model year, location, and other personal details. To get a more accurate estimate for your specific situation, check out our quote tables below.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re considering purchasing a KIA Sedona, it’s vital to consider the cost of insurance. On average, insurance for a KIA Sedona costs $4,408 per year. Insurance is a significant aspect of car ownership, and it’s crucial to understand its implications before making a decision.
Selecting the right car insurance is essential because inadequate coverage could result in unexpected and costly expenses if you’re involved in an accident. You wouldn’t want to face substantial bills if you’re not adequately insured. Additionally, being at fault in an accident could lead to increases in your insurance premiums.
In my experience analyzing car insurance rates, I’ve observed significant variations in costs. Factors such as your age, driving history, and even your location can all play a substantial role in determining your insurance premiums. Therefore, it’s essential to research and find the best insurance policy that suits your needs.
How Much Does KIA Sedona Car Insurance Cost?
KIA Sedona drivers typically pay an average of $4,408 per year for car insurance. However, actual rates may vary depending on factors such as age, location, driving history, and coverage options.
The cost of car insurance for a KIA Sedona depends on multiple factors, including your location, driving history, vehicle model year, and coverage choices. Maintaining a clean driving record can help lower your premiums, while accidents or traffic violations may increase costs.
Urban areas with heavy traffic tend to have higher insurance rates than rural locations. Additionally, comprehensive coverage, which includes both collision and other protections, typically costs more than minimum liability coverage.
According to available data, KIA Sedona insurance costs are lower than the average for all KIA models and also more affordable compared to the overall average for all cars. To find the best rate for your needs, Insuranceopedia allows you to compare quotes from multiple providers.
| Vehicle | Average Monthly Premium |
| KIA Sedona | $136 |
| All KIAs | $172 |
| All Cars | $175 |
Average Insurance Cost Of KIA Sedona By Model Year
| Model Year | Average Premium |
| 2022 KIA Sedona | $5,337 |
| 2021 KIA Sedona | $1,017 |
| 2020 KIA Sedona | $900 |
| 2019 KIA Sedona | $670 |
| 2018 KIA Sedona | $693 |
| 2017 KIA Sedona | $580 |
| 2016 KIA Sedona | $728 |
| 2015 KIA Sedona | $692 |
| 2014 KIA Sedona | $692 |
| 2013 KIA Sedona | $836 |
| 2012 KIA Sedona | $540 |
| 2011 KIA Sedona | $599 |
| 2010 KIA Sedona | $729 |
2022 KIA Sedona Insurance Rates
The average annual insurance cost for a 2022 KIA Sedona is $5,337. However, Mercury offers the cheapest rates, averaging $4,408 per year.
| Insurance Provider | Average Annual Cost |
| Mercury | $4,408 |
| Metropolitan | $5,753 |
| Direct General Insurance | $5,851 |
2021 KIA Sedona Insurance Rates
The average annual insurance cost for a 2021 KIA Sedona is $1,017. However, Buckeye Insurance Group offers the cheapest rates, averaging $771 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Auto 6 Month | $854 |
| AssuranceAmerica Mobile Max | $1,173 |
| Western Reserve | $1,064 |
| SECURA Insurance | $854 |
| American Family | $1,048 |
| Ohio Mutual Ins Group | $1,099 |
| Buckeye Insurance Group | $771 |
| Wolverine Mutual | $1,073 |
| Hastings Mutual Insurance Co | $1,187 |
| American National P | $1,045 |
2020 KIA Sedona Insurance Rates
The average annual insurance cost for a 2020 KIA Sedona is $900. However, Safeco offers the cheapest rates, averaging $446 per year.
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $716 |
| Western Reserve | $1,161 |
| Safeco | $446 |
| Texas Farm Bureau Group | $1,066 |
| Atlantic States Insurance | $1,185 |
| Hastings Mutual Insurance Co | $1,170 |
| SECURA Insurance | $993 |
| American National P | $495 |
| Buckeye Insurance Group | $822 |
| Indiana Farmers Mutual Ins | $943 |
2019 KIA Sedona Insurance Rates
The average annual insurance cost for a 2019 KIA Sedona is $670. However, Safeco offers the cheapest rates, averaging $446 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $829 |
| Indiana Farmers Mutual Ins | $919 |
| Clearcover | $312 |
| Pekin Insurance | $680 |
| American National P | $724 |
| Southern Farm Bureau | $953 |
| Direct Auto | $687 |
| Western Reserve | $896 |
| Safeco | $61 |
| Mercury Insurance | $640 |
2018 KIA Sedona Insurance Rates
The average annual insurance cost for a 2018 KIA Sedona is $693. However, Safeco offers the cheapest rates, averaging $166 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto | Infinity | $274 |
| Pekin Insurance | $704 |
| First Chicago Insurance | $1,079 |
| Safeco | $166 |
| SECURA Insurance | $979 |
| Texas Farm Bureau Group | $666 |
| Rockford Mutual Insurance | $858 |
| AssuranceAmerica Economy | $436 |
| Clearcover | $972 |
| AssuranceAmerica Elite | $799 |
2017 KIA Sedona Insurance Rates
The average annual insurance cost for a 2017 KIA Sedona is $580. However, Safeco offers the cheapest rates, averaging $205 per year.
| Insurance Provider | Average Annual Cost |
| Capital Insurance Group | $840 |
| Mercury Insurance | $297 |
| National General Value | $692 |
| United Farm Bureau of IN Group | $759 |
| New York Central Mutual Fire | $717 |
| Safeco | $205 |
| Buckeye Insurance Group | $677 |
| AssuranceAmerica Elite | $517 |
| AssuranceAmerica Economy | $596 |
| NatGen Value | $498 |
2016 KIA Sedona Insurance Rates
The average annual insurance cost for a 2016 KIA Sedona is $728. However, Safeco offers the cheapest rates, averaging $94 per year.
| Insurance Provider | Average Annual Cost |
| New York Central Mutual Fire | $903 |
| Utica National Ins Group | $781 |
| North Carolina Farm Bureau | $849 |
| Safeco | $94 |
| PEMCO | $800 |
| American National P | $433 |
| Buckeye Insurance Group | $781 |
| Oregon Mutual | $881 |
| NatGen PPA | $894 |
| Capital Insurance Group | $859 |
2015 KIA Sedona Insurance Rates
The average annual insurance cost for a 2015 KIA Sedona is $692. However, Safeco offers the cheapest rates, averaging $167 per year.
| Insurance Provider | Average Annual Cost |
| Mutual Of Enumclaw | $973 |
| Texas Farm Bureau Group | $753 |
| PEMCO | $747 |
| Safeco | $167 |
| NatGen Advantage | $1,073 |
| Oregon Mutual | $854 |
| Direct Auto | $489 |
| Dairyland FR Bond | $441 |
| Mercury Insurance | $593 |
| NatGen Value | $834 |
Find Affordable KIA Sedona Insurance Rates
2014 KIA Sedona Insurance Rates
The average annual insurance cost for a 2014 KIA Sedona is $692. However, Safeco offers the cheapest rates, averaging $224 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $937 |
| AssuranceAmerica | $903 |
| PEMCO | $733 |
| Clearcover | $890 |
| Mercury Insurance | $231 |
| Buckeye Insurance Group | $676 |
| American National P | $630 |
| SECURA Insurance | $884 |
| Safeco | $224 |
| Capital Insurance Group | $814 |
2013 KIA Sedona Insurance Rates
The average annual insurance cost for a 2013 KIA Sedona is $692. However, North Carolina Farm Bureau offers the cheapest rates, averaging $651 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $858 |
| USAA | $910 |
| Erie | $747 |
| Central Mutual Insurance Co | $889 |
| Nationwide | $1,010 |
| North Carolina Farm Bureau | $651 |
| Country | $748 |
| Capital Insurance Group | $923 |
| GMAC Insurance Group | $817 |
| Buckeye Insurance Group | $806 |
2012 KIA Sedona Insurance Rates
The average annual insurance cost for a 2012 KIA Sedona is $540. However, Safeco offers the cheapest rates, averaging $42 per year.
| Insurance Provider | Average Annual Cost |
| Preferred Mutual | $763 |
| Safeco | $42 |
| AssuranceAmerica Elite | $565 |
| AssuranceAmerica Economy | $493 |
| Texas Farm Bureau Group | $622 |
| Mercury Insurance | $447 |
| Tennessee Farmers | $668 |
| New York Central Mutual Fire | $483 |
| PEMCO | $648 |
| Capital Insurance Group | $665 |
2011 KIA Sedona Insurance Rates
The average annual insurance cost for a 2011 KIA Sedona is $599. However, Mercury Insurance offers the cheapest rates, averaging $350 per year.
| Insurance Provider | Average Annual Cost |
| Clearcover | $789 |
| PEMCO | $727 |
| Mercury Insurance | $350 |
| Southern Farm Bureau | $735 |
| SECURA Insurance | $835 |
| North Carolina Farm Bureau | $694 |
| American National P | $381 |
| Safeco | $355 |
| Texas Farm Bureau Group | $503 |
| Rural Mutual Insurance | $618 |
2010 KIA Sedona Insurance Rates
The average annual insurance cost for a 2010 KIA Sedona is $729. However, MMG Insurance Company offers the cheapest rates, averaging $499 per year.
| Insurance Provider | Average Annual Cost |
| Partners Mutual Insurance Co | $793 |
| MMG Insurance Company | $499 |
| Texas Farm Bureau Group | $738 |
| Patriot Group | $744 |
| SECURA Insurance | $691 |
| Cameron Mutual Group | $833 |
| Pekin Insurance | $814 |
| Rockford Mutual Insurance | $863 |
| IMT Insurance Company | $625 |
| Concord Group | $691 |
Find Affordable KIA Sedona Insurance Rates
Is A KIA Sedona Expensive To Insure?
The cost to insure a KIA Sedona is lower than the average for all cars, but your actual premium will depend on factors such as your age, location, driving history, and the model year of your vehicle. Insurance rates can vary significantly based on these elements, so comparing quotes from different providers is the best way to find the most affordable policy for your specific situation.
Cost of KIA Sedona Car Insurance By Age
Age is a key factor in determining car insurance rates. Teen drivers usually face the highest premiums due to their higher likelihood of being involved in accidents. However, as drivers gain experience and maintain a clean record, their insurance costs tend to decrease, reflecting a lower risk profile.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,595 | $9,710 | $11,342 |
| 18 | $6,109 | $9,023 | $10,530 |
| 19 | $5,444 | $7,935 | $9,366 |
| 20 | $4,772 | $6,966 | $8,111 |
| 21 | $3,978 | $5,855 | $6,805 |
| 22 | $3,834 | $5,723 | $6,645 |
| 23 | $3,361 | $4,954 | $5,810 |
| 24 | $3,204 | $4,716 | $5,525 |
| 25 | $2,811 | $4,127 | $4,779 |
| 30 | $2,198 | $3,133 | $3,721 |
| 35 | $2,003 | $2,933 | $3,472 |
| 40 | $1,910 | $2,813 | $3,325 |
| 45 | $1,909 | $2,809 | $3,277 |
| 55 | $1,731 | $2,526 | $3,017 |
| 65 | $1,782 | $2,641 | $3,115 |
| 75 | $2,302 | $3,322 | $3,920 |
KIA Sedona Car Insurance Rates By State
Your location significantly impacts your car insurance rates, as each state has its own regulations and coverage requirements. For example, Michigan drivers typically pay higher premiums due to mandatory high coverage levels. Additionally, factors such as local climate, crime rates, and accident statistics play a role in determining costs. Areas prone to extreme weather events like hurricanes or heavy snowfall may see increased premiums, while regions with higher crime rates or accident frequencies also tend to have more expensive insurance. Insurers assess these risks when calculating the cost of insuring your KIA Sedona.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,028 | $2,987 | $3,816 |
| Alaska | $1,684 | $2,384 | $2,333 |
| Arizona | $1,957 | $2,743 | $4,070 |
| Arkansas | $2,149 | $3,337 | $3,643 |
| California | $2,342 | $4,122 | $2,382 |
| Colorado | $2,158 | $3,108 | $3,864 |
| Connecticut | $2,801 | $4,324 | $5,544 |
| Delaware | $2,322 | $3,108 | $4,017 |
| Florida | $2,766 | $3,854 | $4,946 |
| Georgia | $2,299 | $3,395 | $3,422 |
| Hawaii | $879 | $1,190 | $865 |
| Idaho | $1,542 | $2,033 | $2,531 |
| Illinois | $1,674 | $2,451 | $2,792 |
| Indiana | $1,729 | $2,549 | $2,931 |
| Iowa | $1,340 | $1,798 | $2,176 |
| Kansas | $1,816 | $2,543 | $2,975 |
| Kentucky | $2,555 | $3,781 | $4,474 |
| Louisiana | $3,304 | $4,983 | $5,390 |
| Maine | $1,259 | $1,732 | $2,592 |
| Maryland | $2,059 | $2,967 | $3,245 |
| Massachusetts | $1,574 | $2,858 | $1,615 |
| Michigan | $3,856 | $5,989 | $9,336 |
| Minnesota | $1,614 | $2,102 | $2,976 |
| Mississippi | $1,947 | $2,816 | $2,785 |
| Missouri | $1,871 | $2,644 | $3,398 |
| Montana | $1,869 | $2,555 | $3,050 |
| Nebraska | $1,614 | $2,349 | $2,540 |
| Nevada | $2,551 | $3,890 | $4,082 |
| New Hampshire | $1,781 | $2,872 | $3,561 |
| New Jersey | $1,988 | $3,120 | $4,107 |
| New Mexico | $2,061 | $2,973 | $3,103 |
| New York | $1,854 | $2,407 | $3,926 |
| North Carolina | $1,213 | $2,022 | $1,418 |
| North Dakota | $1,643 | $2,381 | $2,904 |
| Ohio | $1,371 | $2,156 | $2,224 |
| Oklahoma | $2,277 | $3,282 | $3,639 |
| Oregon | $2,040 | $2,746 | $3,313 |
| Pennsylvania | $1,747 | $2,566 | $2,968 |
| Rhode Island | $2,945 | $4,284 | $4,836 |
| South Carolina | $1,990 | $2,747 | $3,727 |
| South Dakota | $1,741 | $2,518 | $2,930 |
| Tennessee | $2,129 | $3,038 | $4,097 |
| Texas | $2,133 | $3,015 | $3,715 |
| Utah | $1,790 | $2,545 | $3,466 |
| Vermont | $1,415 | $2,162 | $2,252 |
| Virginia | $1,278 | $2,018 | $1,917 |
| Washington | $1,725 | $2,369 | $2,810 |
| West Virginia | $1,741 | $2,471 | $3,045 |
| Wisconsin | $1,672 | $2,647 | $3,017 |
| Wyoming | $1,579 | $2,276 | $2,359 |
Find Affordable KIA Sedona Insurance Rates
Cheapest Car Insurance Companies For A KIA Sedona
If you’re looking for the most affordable car insurance for your KIA Sedona, Fiesta offers a monthly premium of $30, making them the cheapest provider on average. However, actual rates vary depending on factors like your driving history, location, and coverage needs. To ensure you get the best deal for your specific profile, it’s essential to compare quotes from multiple insurance companies. Shopping around allows you to find the most competitive rates and coverage that suits your needs.
| Company | Average Monthly Rate |
| Clearcover | $41 |
| Workmens | $33 |
| Aspire | $35 |
| Shelter Mutual | $42 |
| Fiesta | $30 |
Common KIA Sedona Insurance Discounts
Discounts can significantly reduce your car insurance costs. While specific discounts vary by provider, here are some common ones to check for:
- Multi-policy: Bundling auto and home insurance with the same provider often results in a lower rate.
- Pay annually: Paying your full premium upfront instead of monthly can lead to savings.
- Defensive driving: Completing a certified defensive driving course may make you eligible for lower rates.
Other discounts may be available based on your insurer. It’s best to speak with your insurance agent to explore all the discounts you qualify for and maximize your savings.
Ways To Save On KIA Sedona Insurance Costs
Maintaining a clean driving record is one of the most effective ways to keep your KIA Sedona insurance costs low. Speeding tickets and accidents can lead to higher premiums—drivers with a ticket on their record may pay around $80 per month, while those with multiple accidents could see rates rise to $162 per month.
Additionally, annual mileage affects insurance costs. Lower-mileage drivers are considered less risky, leading to lower premiums. For instance, KIA Sedona drivers who log between 2,501 and 5,000 miles per year typically pay about $70 per month, while those exceeding 10,000 miles pay around $74 per month.
By practicing safe driving habits and keeping mileage low, you can reduce your insurance expenses.
Compare KIA Sedona To Other KIA Models
Looking for other Kia model insurance costs?
Our Methodology
To calculate average car insurance costs, Insuranceopedia analyzed thousands of quotes from top auto insurance providers using a sample profile of a 40-year-old male driver purchasing full-coverage car insurance with coverage limits of $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, it's important to note that these figures are averages and may differ based on factors such as your age, driving history, location, and specific coverage options.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A KIA Sedona?
Yes, you will need to provide proof of insurance before you can drive your KIA Sedona off the dealership lot. It’s best to buy a policy in advance and inform your insurance company that you’re about to purchase the car, rather than getting insurance through the dealership. This way, you can ensure you’re covered right from the moment you drive your new car home.
How Can You Get The Cheapest Insurance For Your KIA Sedona?
The best way to find the cheapest rates for your KIA Sedona is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia allows you to compare quotes from multiple providers, right here on our website, helping you find the most affordable options tailored to your needs.
