Best Kia Sedona Auto Insurance in 2024 (Your Guide to the Top 10 Companies)
You can get the best Kia Sedona auto insurance from State Farm, Geico, and Progressive, starting at $33/month for minimum coverage. What you pay will depend on the amount of coverage you select, with full coverage being the most expensive. Rates for a Kia Sedona will also vary based on the vehicle itself, with companies considering age and safety features.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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UPDATED: Oct 25, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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State Farm, Geico, and Progressive offer the best Kia Sedona auto insurance rates, with State Farm coverage starting at $86/month for full coverage.
Our Top 10 Company Picks: Best Kia Sedona Auto Insurance
Company Rank Multi-Policy Discount A.M. Best Best For Jump to Pros/Cons
#1 17% A++ Costumer Service State Farm
#2 25% A++ Competitive Rates Geico
#3 10% A+ Customized Policies Progressive
#4 10% A+ Specialized Coverage Allstate
#5 20% A+ Safe-Driving Discounts Nationwide
#6 10% A Specialized Coverage Farmers
#7 12% A Customized Policies Liberty Mutual
#8 25% A Safe-Driving Discounts AAA
#9 20% A Customized Policies American Family
#10 8% A++ Competitive Rates Travelers
Liability-only coverage is $40/ month, but teen drivers with a Kia Sedona could pay up to $367 per month. Continue reading through this guide to learn how you can save money on Kia Sedona insurance rates.
Avoid expensive auto insurance premiums by entering your ZIP code above to see the cheapest rates for you.
- Full coverage costs around $1,204 a year or $100 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
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#1 – State Farm: Top Overall Pick
Pros
- Affordable for New Drivers: Teen drivers pay some of the lowest rates.
- Discounts Available: Good driving, bundling, and accident-free are examples.
- Drive Safe and Save: Program that provides a discount. Learn more at our State Farm auto insurance review.
- Claim Process: Efficient and timely claims handling.
Cons
- Steer Clear Not for Older Drivers: Must be under the age of 25.
- Negative Reviews: Some drivers complain about customer service.
#2 – Geico: Best for Full Coverage
Pros
- Affordable Rates: Geico minimum coverage starts at $30/month. Learn more by reading our Geico auto insurance review.
- Usage-Based Coverage: You can purchase pay-as-you-need insurance.
- Customer Satisfaction: High satisfaction rates with J.D. Power.
Cons
- Lack of Policy Choices: Coverage like gap insurance not offered.
- DriveEasy: Rates might increase after using.
#3 – Progressive: Best for High-Risk Drivers
Pros
- Snapshot Program: Provides a discount based on driving habits.
- Popularity: Spokesperson Flo makes Progressive approachable.
- Affordable: High-risk drivers can find cheap auto insurance.
Cons
- Poor Customer Service: Not popular with drivers.
- Expensive for Teens: On average teen drivers will pay more. Read more at our Progressive auto insurance review.
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#4 – Allstate: Best for Drivers with Clean Driving History
Pros
- Coverage Options: You can get the bare minimum or full coverage.
- Financial Stability: Allstate has an A+ with A.M. Best. Read more with our Allstate auto insurance review.
- Claim Process: Easy to file through the app or online.
Cons
- Expensive for Teens: Younger drivers will pay more than average.
- Older Drivers Pay More: If you’re over 55 you will also pay more for coverage.
#5 – Nationwide: Best for Discounted Coverage
Pros
- Pay-Per-Mile: A type of coverage not offered by every company.
- Customer Service: Highly rated by drivers.
- Discount Options: More than a dozen available. Learn more by reading our Nationwide auto insurance review.
- SmartRide: Usage-based program will never raise your rates.
Cons
- High Risk, High Rates: One DUI will raise your policy by over $100/month.
- Claim Process: Drivers unsatisfied with timeliness of claim payouts.
#6 – Farmers: Best for Middle-Age Drivers
Pros
- Signal: Provides a discount based off driving habits.
- Customer Service: High satisfaction ratings from drivers. Learn more with our Farmers auto insurance review.
- Claim Handling: You can process claims online or through the app.
- Coverage Options: PIP, liability, and uninsured motorist all offered.
Cons
- High Age Gap Prices: Middle-aged drivers with clean records pay less.
- Expensive Average Rates: Auto insurance higher than other companies.
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#7 – Liberty Mutual: Best for Safe Drivers
Pros
- RightTrack: Drivers can save up to 30% on auto insurance.
- ByMile: Usage-based program. Learn more with our Liberty Mutual auto insurance review.
- Availability: Liberty Mutual can be purchased in all 50 states.
Cons
- High Liability: Drivers pay around $68/month versus the national average.
- Vacation Rentals: Rental cars not covered when on a vacation.
#8 – AAA: Best for AAA Members
Pros
- Multiple Discounts: Over a dozen discounts such as bundling.
- Membership Perks: Lower rates and includes benefits. Read more at our AAA auto insurance review.
- Financial Outlook: A.M. Best rating is an A+ which is superior.
Cons
- Availability: Not offered in all 50 states.
- Membership Required: Drivers must have an AAA membership.
#9 – American Family: Best for Large Families
Pros
- SR-22 Insurance: Not available from all insurance companies.
- Coverage Options: Gap and medical expense also offered. Learn more with our American Family auto insurance review.
- Low Cost: Liability-only coverage can be less than $100 annually than average.
Cons
- Timeliness: Claim payouts not done in a timely manner.
- High-Risk, High Cost: Drivers with infractions will pay more.
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#10 – Travelers: Best for Add-On Coverage
Pros
- Stable Company: Has excellent ratings from A.M. Best and the BBB. Learn more with our Travelers auto insurance review.
- Lower Premiums: Rates begin at $37/month for minimum coverage.
- Coverage Options: You can purchase non-owner or accident forgiveness coverage.
Cons
- IntelliDrive: Might increase rates based off driving habits.
- No SR-22 Insurance: High-risk drivers will often need this coverage.
Companies with the Cheapest Insurance for a Kia Sedona
The average Kia Sedona auto insurance rates are $1,204 a year or $100 a month.
Auto Insurance Monthly Rates for Kia Sedona by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
AAA $32 $86
Allstate $61 $160
American Family $43 $117
Farmers $53 $139
Geico $30 $80
Liberty Mutual $68 $174
Nationwide $44 $115
Progressive $39 $105
State Farm $33 $86
Travelers $37 $99
Risk factors will be determined by each individual company, which is why rates will vary and some premiums will be higher than others. Finding high-risk auto insurance takes time and consideration. Insurance companies also consider repair costs and the popularity of certain models.
Kia Sedona Auto Insurance Expenses
The chart below details how Kia Sedona insurance rates compare to other vans like the Chrysler Pacifica, Honda Odyssey, and Dodge Grand Caravan.
Kia Sedona vs. Competitors: Auto Insurance Monthly Rates by Vehicle & Coverage Type
| Vehicle | Comprehensive | Collision | Liability | Total |
|---|---|---|---|---|
| Chrysler Pacifica | $29 | $44 | $26 | $111 |
| Dodge Grand Caravan | $26 | $37 | $31 | $106 |
| Honda Odyssey | $23 | $44 | $31 | $112 |
| Kia Sedona | $24 | $37 | $28 | $100 |
| Toyota Sienna | $25 | $44 | $31 | $113 |
However, there are a few things you can do to find the cheapest Kia insurance rates online. By comparing rates from companies such as Progressive or State Farm, drivers can find programs, auto insurance discounts, and coverage options that suit them. This also means Kia owners will see fluctuating rates.
Shout out to Allstate customers who use our Drivewise app! A national survey found, on average, Drivewise customers:
📞 handle their phones 44% less while driving
🚀 spend 23% less time driving at high speeds
🚙 have an 11% lower rate of hard braking https://t.co/5GeR2nydjm— Allstate (@Allstate) April 19, 2024
Read more: Chrysler Auto Insurance
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Factors Affecting the Cost of Kia Sedona Insurance
There are numerous factors that will impact what you pay for Kia Sedona auto insurance.
Age of the Vehicle
The average Kia Sedona auto insurance rates are higher for newer models. For example, auto insurance rates for a 2018 Kia Sedona cost $1,204, while 2010 Kia Sedona rates are $1,000, a difference of $204.
Kia Sedona Auto Insurance Monthly Rates by Vehicle Age & Coverage Type
| Model Year | Comprehensive | Collision | Liability | Total |
|---|---|---|---|---|
| 2010 Kia Sedona | $17 | $23 | $33 | $83 |
| 2011 Kia Sedona | $17 | $24 | $33 | $85 |
| 2012 Kia Sedona | $18 | $26 | $33 | $89 |
| 2014 Kia Sedona | $20 | $31 | $32 | $94 |
| 2015 Kia Sedona | $21 | $34 | $31 | $97 |
| 2016 Kia Sedona | $22 | $35 | $30 | $98 |
| 2017 Kia Sedona | $23 | $36 | $30 | $100 |
| 2018 Kia Sedona | $24 | $37 | $28 | $100 |
What is the average lifespan of a Kia Sedona? The answer will be based off how many miles are put on the vehicle per year, and whether repairs and maintenance are scheduled as needed. Your annual mileage affects auto insurance rates, which is why it’s important to monitor how many miles you put on your vehicle.
Driver Age
Driver age can have a significant impact on Kia Sedona auto insurance rates. For instance, a 30-year-old driver may pay $53 more each year for Kia Sedona auto insurance than a 40-year-old driver.
Kia Sedona Auto Insurance Monthly Rates by Age
| Age | Rates |
|---|---|
| Age 17 | $367 |
| Age 20 | $227 |
| Age 30 | $105 |
| Age 40 | $100 |
| Age 50 | $92 |
| Age 60 | $90 |
Age affects auto insurance rates because insurance companies want to factor in the risk associated with younger drivers on the road.
Driver Location
Where you live can have a large impact on Kia Sedona insurance rates. For example, drivers in Jacksonville may pay $723 a year more than drivers in Indianapolis.
Kia Sedona Auto Insurance Monthly Rates by City
| City | Rates |
|---|---|
| Chicago, IL | $132 |
| Columbus, OH | $83 |
| Houston, TX | $157 |
| Indianapolis, IN | $85 |
| Jacksonville, FL | $146 |
| Los Angeles, CA | $172 |
| New York, NY | $159 |
| Philadelphia, PA | $134 |
| Phoenix, AZ | $116 |
| Seattle, WA | $97 |
Drivers who live in Florida and use State Farm will see much higher rates than a driver in another state with the same coverage.
Your Driving Record
Your driving record can have an impact on the cost of Kia Sedona auto 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 Auto Insurance Monthly Rates by Driving Record & Age
| Age | Clean Record | Speeding Ticket | Speeding & Accident |
|---|---|---|---|
| Age 20 | $227 | $247 | $436 |
| Age 30 | $105 | $114 | $201 |
| Age 40 | $100 | $109 | $192 |
| Age 50 | $92 | $100 | $175 |
| Age 60 | $90 | $98 | $172 |
High-risk drivers will often have to shop around to find affordable coverage, though some companies such as American Families offer SR-22 insurance.
Kia Model Safety Ratings
All Kia models have individual safety ratings. Your Kia Sedona auto insurance rates are tied to the Kia Sedona’s safety ratings. See the breakdown below:
Kia Sedona Safety Ratings
| Test Type | Rating |
|---|---|
| Head restraints and seats | Good |
| Moderate overlap front | Good |
| Roof strength | Good |
| Side | Good |
| Small overlap front: driver-side | Good |
| Small overlap front: passenger-side | Acceptable |
Kia Sedona Model Ranking
The Kia Sedona has been in production up until 2022, now being redesigned as the Carnival, however you can still find safety ratings for older years. Not only do good Kia Sedona crash test ratings mean you are better protected in a crash, but good Kia Sedona crash ratings also mean cheaper insurance rates.
Kia Sedona Ranking by Vehicle Year
| Vehicle Tested | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2016 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 |
| 2018 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 |
| 2020 Kia Sedona VAN FWD | 5 stars | 5 stars | 5 stars | 4 stars |
Many insurance companies offer discounts based off vehicle safety ratings, including AAA.
Kia Sedona Safety Features
The numerous safety features of the Kia Sedona help contribute to lower insurance rates. The 2020 Kia Sedona has the following safety features:
- 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
Is Kia the most reliable car brand? Each car brand has its own merits, but it’s important to pay attention to your vehicle’s specific safety features.
Kia Sedona Insurance Loss Probability
The Kia Sedona’s insurance loss probability varies between different coverage types. The lower percentage means lower Kia Sedona auto insurance costs; higher percentages mean higher Kia Sedona auto insurance costs.
Kia Sedona Loss Probability
| Insurance Coverage | Loss Rate |
|---|---|
| Collision | 2% |
| Property Damage | -36% |
| Comprehensive | -4% |
| Personal Injury | 16% |
| Medical Payment | NA |
| Bodily Injury | NA |
Companies with strong financial ratings can help you secure low cost full coverage that will include all of the above mentioned insurance costs. Consider Allstate or AAA, or any company with a Superior rating with A.M. Best.
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. Generally, full coverage for leased vehicles is required.
Ways to Save on Kia Sedona Insurance
Although it may seem like your Kia Sedona auto insurance rates are set, there are a few measures that you can take to secure the best Kia Sedona auto insurance rates possible. Take a look at the following five ways to save on Kia Sedona auto insurance:
- Ask About Usage-Based Insurance for Your Kia Sedona
- Ask About Retiree Discounts
- Audit Your Kia Sedona Driving When You Move to a New Location or Start a New Job
- Ask About Discounts for People with Disabilities
- Ask About a Student Away from Home Discount
While many companies offer apps, most will have live agents you will be able to talk to if you have questions.
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Top Kia Sedona Insurance Companies
Several top auto insurance companies offer competitive rates for the Kia Sedona rates based on factors like discounts for safety features. Take a look at this list of top auto insurance companies that are popular with Kia Sedona drivers organized by market share.
Top Providers for Kia Sedona by Market Share
| Rank | Insurance Company | Volume | Market Share |
|---|---|---|---|
| #1 | State Farm | $65,615,190 | 9.30% |
| #2 | Geico | $46,106,971 | 6.60% |
| #3 | Progressive | $39,222,879 | 5.60% |
| #4 | Liberty Mutual | $35,600,051 | 5.10% |
| #5 | Allstate | $35,025,903 | 5.00% |
| #6 | Travelers | $28,016,966 | 4.00% |
| #7 | USAA | $23,483,080 | 3.30% |
| #8 | Chubb | $23,388,385 | 3.30% |
| #9 | Farmers | $20,643,559 | 2.90% |
| #10 | Nationwide | $18,442,145 | 2.60% |
Comparison shopping is common and is a great way to save money on auto insurance. The following are some examples of questions that might arise:
- Is Geico cheaper than Progressive? The answer depends on the age of your vehicle, how much coverage you want, and your personal driving habits. Typically, auto insurance companies check your driving records.
- Is Progressive no longer covering Kia? The good news is that Progressive still insures Kia.
- Why do Kias cost so much to insure? Your specific model might require more coverage if it’s older than 2020, or if it’s a more luxurious model such as the EX.
It’s always recommended to compare rates, especially with older vehicles or if you need specialty insurance.
Other Factors That Affect Auto Insurance Cost
There are many different factors that affect auto insurance rates. The age, safety features, and model type of your Sedona will affect your rates. The Kia Sedona trim and model you choose will affect the total price you will pay for Kia Sedona insurance coverage.
Difference Between the Kia Sedona EX and LX
The EX is a more luxurious model that comes with everything the LX offers, while the LX offers a more budget-friendly option.
Highest Ranking Kia Sedona
There are a few different options, with the 2008 Sedona, 2009 Sedona, or the 2014 Sedona being high in the ranks.
Getting The Best Kia Sedona Auto Insurance
Finding the best Kia Sedona auto insurance will depend on the amount of coverage you want, but State Farm, Progressive, and Geico will all have the cheapest rates. Auto insurance rates differ by state, so the right company for you will also depend on where you live.
Enter your ZIP code below to explore which companies have the cheapest auto insurance rates for you.
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Frequently Asked Questions
What is Kia Sedona auto insurance?
Kia Sedona auto insurance refers to the insurance coverage specifically designed for the Kia Sedona minivan model. It provides financial protection in case of accidents, damages, theft, or other incidents involving the Kia Sedona.
Is auto insurance mandatory for a Kia Sedona?
Yes, you must make sure you meet the minimum auto insurance requirements of your resident state.
What types of coverage are available for Kia Sedona auto insurance?
Kia Sedona auto insurance typically offers a range of coverage options. These may include liability coverage (which is often required by law), collision coverage (for damages caused by collisions), comprehensive coverage (for non-collision-related damages like theft or vandalism), uninsured/underinsured motorist coverage, and personal injury protection (PIP) coverage.
How can I find affordable auto insurance for my Kia Sedona?
To find affordable auto insurance for your Kia Sedona, it’s recommended to shop around and obtain quotes from multiple insurance providers. You can find affordable auto insurance no matter what your driving record looks like by entering your ZIP code below in our free quote comparison tool.
Are there any discounts available specifically for Kia Sedona auto insurance?
While specific auto insurance discounts can vary among insurance providers, many companies offer discounts that may apply to Kia Sedona auto insurance. These could include discounts for safety features installed in the Kia Sedona, good driver discounts, multi-policy discounts (if you bundle your auto insurance with other policies), or loyalty discounts. It’s recommended to inquire about available discounts when obtaining insurance quotes.
Does the size or purpose of the Kia Sedona affect insurance rates?
The size and purpose of the Kia Sedona can potentially have an impact on insurance rates. Minivans like the Kia Sedona are typically associated with family use and may be considered safer due to their design and features. This could lead to potential discounts or lower rates. However, insurance rates are influenced by various factors, so it’s best to consult with insurance providers to understand how the specific details of your vehicle and usage can impact your rates.
Can I use my Kia Sedona auto insurance for business purposes?
The coverage provided by your Kia Sedona auto insurance may have limitations when it comes to using the vehicle for business purposes. Personal auto insurance policies generally do not cover commercial use. If you intend to use your Kia Sedona for business purposes, such as ridesharing or delivery services, you may need to explore commercial auto insurance options. It’s important to discuss your specific needs with your insurance provider to ensure you have the appropriate coverage.
What should I do if I need to file an auto insurance claim for my Kia Sedona?
If you need to file an auto insurance claim for your Kia Sedona, you should contact your insurance provider as soon as possible. They will guide you through the claims process and provide instructions on what information or documentation is required. Be prepared to provide details about the incident, such as the date, time, location, and any necessary supporting evidence, such as photographs or witness statements.
Is it hard to insure Kias?
Insuring a Kia will depend on factors such as your location, the model you own, and your personal driving records.
Is a Kia Sedona a reliable car?
The Kia Sedona has a stable safety rating, making it a safe vehicle to operate.
Are Kias more expensive to insure?
This depends on what you include in your auto insurance policy. Add-ons such as personal injury protection or rideshare coverage will increase the cost of your policy.
Why won’t insurance cover Kia?
There are certain models of Kia that aren’t currently being covered. Speak to your insurance provider to ensure your Sedona is covered.
Do Kias last as long as Toyotas?
Factors such as your location and how old your vehicle is will determine the lifespan of your vehicle. Cheap Toyota auto insurance is just as important as insurance for a Kia.
Is Kia discontinuing the Sedona?
The Sedona has been redesigned and renamed as of 2022, and is now the Carnival.
Which is best Ford or Kia?
Vehicle preference will always be subjective, which is why it’s best to compare the costs of Kia auto insurance and Ford auto insurance.
Why are Kias so popular?
Kia is known for being low-cost, reliable, and well designed.
Do Kias hold their value?
The value of a Kia Sedona will depend on the condition it’s kept in, the model, the trim style, and the age.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.