Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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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 also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used Kia Sedona? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Kia Sedona car insurance facts

  • Average full coverage auto insurance premium: $144/month

  • Most affordable companies: Auto-Owners Insurance ($78/month) & USAA ($84/month)

  • Sedona car insurance cost vs. average rates: $28 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Kia Sedona by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

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

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Below average Kia Sedona insurer costs by state:

Risk factors affecting Kia Sedona car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Kia Sedona car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Kia models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Kia automobile brand

Kia Corporation is a South Korean multinational automaker specializing in affordable sport utility vehicles (SUVs) and exceptional reliability for the United States market. Kia is the second-largest auto manufacturer in South Korea after Hyundai. The target audience of Kia is young couples that are physically active with a high interest in new technology. All Kia automobiles have high safety ratings, with many of their cars getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Kia Forte, Kia Soul, Optima, and Kia Sorento are some of their most popular vehicles.

High Kia Sedona repair costs equal high coverage rates

Many consumers are attracted to Kia’s high-tech innovations and features, increased value for the money, and driver-assist technologies, like Kia’s DriveWise safety features. Automotive parts are common but generally more expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Kia is higher than average since repair parts are slightly more expensive. For this reason, many Kias are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Kia Sedona affecting auto policies

Another factor to consider for Kia is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Kia models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Kia IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Kias are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Kia’s DriveWise technology innovations and safety, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Kia models. The Kia Forte, Stinger, Sportage, and Sorento are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Kia automobiles top safety ratings each year lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Kia automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Kia Sedona

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1933
Acuity$1840
Allstate$1426
Auto-Owners$946
Direct Auto$1832
Erie$1095
GEICO$1130
Kentucky Farm Bureau$1620
Liberty Mutual$1389
Nationwide$1305
Progressive$1578
Safe Auto$1458
State Farm$1164
Tennessee Farmers$1042
Texas Farm Bureau$1187
The Hanover$1758
Travelers$1216
USAA$1040

Compare all 2021 Kia Sedona rates

Average Cost to Insure Per Year

$1727

List Price

$30400

Trims Available

L - LX - EX - SX - SXL - Base Engine: 3.3-liter V6 with 276 horsepower with driver assist technologies (Kia Drive WiSE): Blind-Spot Collision Avoidance Assist-Rear (BCA-R), Forward Collison-Avoidance Assist (FCA), Lane Keep Assist (LKA), Rear Cross-Traffic Collison-Avoidance (RCCA), Safe Exit Assist (SEA), Adaptive Cruise Control with stop-and-go capability, automatic forward emergency braking, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes. Brake Assist, Daytime Running Lights, Integrated Turn Signal Mirrors

2020 Kia Sedona

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1823
Allstate$1405
Auto-Owners$930
Erie$1010
Farmers$1570
GEICO$1043
Liberty Mutual$1330
Mercury$1490
Nationwide$1267
Progressive$1569
State Farm$1109
Tennessee Farmers$980
Texas Farm Bureau$1140
The Hanover$1742
Travelers$1158
USAA$936

Compare all 2020 Kia Sedona rates

Average Cost to Insure Per Year

$1635

List Price

$27600

Trims Available

L - LX - EX - SX - SXL - Base Engine: 3.3-liter V6 with 276 horsepower with driver assist technologies (Kia Drive WiSE): Blind-Spot Collision Avoidance Assist-Rear (BCA-R), Forward Collison-Avoidance Assist (FCA), Lane Keep Assist (LKA), Rear Cross-Traffic Collison-Avoidance (RCCA), Safe Exit Assist (SEA), Adaptive Cruise Control with stop-and-go capability, automatic forward emergency braking, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes. Brake Assist, Daytime Running Lights, Integrated Turn Signal Mirrors

2019 Kia Sedona

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1820
Allstate$1399
Auto-Owners$916
Erie$1028
GEICO$1037
Kentucky Farm Bureau$1690
Liberty Mutual$1324
Mercury$1489
Nationwide$1265
Progressive$1567
State Farm$1105
Tennessee Farmers$980
Texas Farm Bureau$1138
The Hanover$1735
Travelers$1155
USAA$936

Compare all 2019 Kia Sedona rates

Average Cost to Insure Per Year

$1563

List Price

$27200

Trims Available

L - LX - EX - SX - SXL - Base Engine: 3.3-liter V6 with 276 horsepower with driver assist technologies (Kia Drive WiSE): Blind-Spot Collision Avoidance Assist-Rear (BCA-R), Forward Collison-Avoidance Assist (FCA), Lane Keep Assist (LKA), Rear Cross-Traffic Collison-Avoidance (RCCA), Safe Exit Assist (SEA), Adaptive Cruise Control with stop-and-go capability, automatic forward emergency braking, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes. Brake Assist, Daytime Running Lights, Integrated Turn Signal Mirrors

2018 Kia Sedona

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1086
Acuity$ 1086
Allied$ 1097
Allied$ 1097
Arbella$ 1183
Arbella$ 1183
Country$ 1154
Country$ 1154
Erie$ 1123
Erie$ 1123
GEICO$ 1213
GEICO$ 1213
Nationwide$ 1225
Nationwide$ 1225
Plymouth Rock Insurance$ 1167
Plymouth Rock Insurance$ 1167
Progressive$ 1251
Progressive$ 1251
Tennessee Farmers$ 948
Tennessee Farmers$ 948
USAA$ 1208
USAA$ 1208
Vermont Mutual$ 960
Vermont Mutual$ 960

Compare all 2018 Kia Sedona rates

Average Cost to Insure Per Year

$ 1460

List Price

$ 27000

Trims Available

L - LX - EX - SX - SXL

2017 Kia Sedona

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1177
Acuity$ 1177
Allied$ 1279
Allied$ 1279
Arbella$ 1257
Arbella$ 1257
Country$ 1247
Country$ 1247
Erie$ 1036
Erie$ 1036
GEICO$ 1076
GEICO$ 1076
Plymouth Rock Insurance$ 1168
Plymouth Rock Insurance$ 1168
Progressive$ 1037
Progressive$ 1037
Tennessee Farmers$ 984
Tennessee Farmers$ 984
Texas Farm Bureau$ 845
Texas Farm Bureau$ 845
USAA$ 1089
USAA$ 1089
Vermont Mutual$ 1067
Vermont Mutual$ 1067

Compare all 2017 Kia Sedona rates

Average Cost to Insure Per Year

$ 1157

List Price

$ 26900

Trims Available

L - LX - EX - SX - SXL

2016 Kia Sedona

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1123
Acuity$ 1123
Arbella$ 1182
Arbella$ 1182
Country$ 1179
Country$ 1179
Erie$ 967
Erie$ 967
GEICO$ 896
GEICO$ 896
Nationwide$ 1232
Nationwide$ 1232
Plymouth Rock Insurance$ 1133
Plymouth Rock Insurance$ 1133
Progressive$ 914
Progressive$ 914
Tennessee Farmers$ 958
Tennessee Farmers$ 958
Texas Farm Bureau$ 827
Texas Farm Bureau$ 827
USAA$ 973
USAA$ 973
Vermont Mutual$ 996
Vermont Mutual$ 996

Compare all 2016 Kia Sedona rates

Average Cost to Insure Per Year

$ 1110

List Price

$ 26400

Trims Available

L - LX - EX - SX - Limited

2015 Kia Sedona

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1045
Acuity$ 1045
Arbella$ 1138
Arbella$ 1138
Country$ 1113
Country$ 1113
Erie$ 1000
Erie$ 1000
GEICO$ 789
GEICO$ 789
Plymouth Rock Insurance$ 1108
Plymouth Rock Insurance$ 1108
Progressive$ 909
Progressive$ 909
State Farm$ 1160
State Farm$ 1160
Tennessee Farmers$ 922
Tennessee Farmers$ 922
Texas Farm Bureau$ 750
Texas Farm Bureau$ 750
USAA$ 915
USAA$ 915
Vermont Mutual$ 899
Vermont Mutual$ 899

Compare all 2015 Kia Sedona rates

Average Cost to Insure Per Year

$ 1037

List Price

$ 26100

Trims Available

L - LX - EX - SX - Limited

2014 Kia Sedona

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 970
Acuity$ 970
Allied$ 1156
Allied$ 1156
American Family$ 1099
American Family$ 1099
Arbella$ 1044
Arbella$ 1044
Country$ 1066
Country$ 1066
Erie$ 979
Erie$ 979
GEICO$ 1026
GEICO$ 1026
Plymouth Rock Insurance$ 1072
Plymouth Rock Insurance$ 1072
Tennessee Farmers$ 867
Tennessee Farmers$ 867
Texas Farm Bureau$ 750
Texas Farm Bureau$ 750
USAA$ 980
USAA$ 980
Vermont Mutual$ 792
Vermont Mutual$ 792

Compare all 2014 Kia Sedona rates

Average Cost to Insure Per Year

$ 906

List Price

$ 25900

Trims Available

LX - EX

2012 Kia Sedona

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 914
Acuity$ 914
Allied$ 1072
Allied$ 1072
Arbella$ 998
Arbella$ 998
Country$ 1043
Country$ 1043
Erie$ 849
Erie$ 849
GEICO$ 935
GEICO$ 935
Plymouth Rock Insurance$ 1020
Plymouth Rock Insurance$ 1020
Progressive$ 1072
Progressive$ 1072
Tennessee Farmers$ 844
Tennessee Farmers$ 844
Texas Farm Bureau$ 711
Texas Farm Bureau$ 711
USAA$ 915
USAA$ 915
Vermont Mutual$ 748
Vermont Mutual$ 748

Compare all 2012 Kia Sedona rates

Average Cost to Insure Per Year

$ 912

List Price

$ 24900

Trims Available

LX - EX

2011 Kia Sedona

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 882
Acuity$ 882
Allied$ 989
Allied$ 989
Arbella$ 1012
Arbella$ 1012
Country$ 1004
Country$ 1004
Erie$ 829
Erie$ 829
GEICO$ 924
GEICO$ 924
Plymouth Rock Insurance$ 998
Plymouth Rock Insurance$ 998
Progressive$ 1037
Progressive$ 1037
Tennessee Farmers$ 835
Tennessee Farmers$ 835
Texas Farm Bureau$ 646
Texas Farm Bureau$ 646
USAA$ 838
USAA$ 838
Vermont Mutual$ 719
Vermont Mutual$ 719

Compare all 2011 Kia Sedona rates

Average Cost to Insure Per Year

$ 881

List Price

$ 24595

Trims Available

LX - EX