Affordable Insurance for a Kia Sedona in Scottsdale

Would you prefer to buy the cheapest Kia Sedona insurance in Scottsdale? Finding cheaper rates for Kia Sedona insurance in Scottsdale might be a challenge for drivers who are new to quoting and comparing prices online. People have so many options that it can be a challenge to find more affordable rates on Kia Sedona insurance.

Insurance quote for Kia Sedona in ScottsdaleIt’s shocking but a large majority of drivers have purchased from the same company for over three years, and practically 40% of insurance customers have never compared rates to find lower-cost insurance. The average driver in Scottsdale could save nearly 50% each year by just shopping around, but they just don’t understand how easy it is to find lower-cost rates by getting comparison quotes.

You should take the time to do rate comparisons before your next renewal because prices change regularly. Even if you think you had the best price on Kia Sedona insurance in Scottsdale on your last policy a different company probably has better rates today. Forget anything you know (or think you know) about insurance because you’re about to learn the only way to properly buy coverages and cut your premium.

When shopping for Kia Sedona insurance in Scottsdale there are multiple ways of comparing rate quotes from many available auto insurance companies in Arizona. The recommended way to do a complete rate comparison consists of shopping online.

When price shopping your coverage, more quotes provides better odds of finding more affordable rates. Not every company provides online Scottsdale Sedona insurance quotes, so it’s necessary to compare rates from them, too.

The providers in the list below are our best choices to provide comparison quotes in Scottsdale, AZ. In order to find the best car insurance in Scottsdale, we suggest you visit two to three different companies to find the cheapest auto insurance rates.

Kia Sedona coverage analysis

The rate table shown next covers estimates of insurance premium costs for Kia Sedona models. Learning more about how insurance prices are established can help you make decisions when shopping your coverage around.


Kia Sedona Insurance Rates in Scottsdale, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $110 $168 $240 $14 $72 $604 $50
Sedona LX $110 $204 $240 $14 $72 $640 $53
Sedona EX $124 $204 $240 $14 $72 $654 $55
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Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Premium amounts do not factor in vehicle garaging location which can increase or decrease coverage rates substantially.

Choosing deductibles

One frequently asked question is which deductible level should you buy. The data tables below show the differences in premium rates of buying low and high policy deductibles. The first table uses a $250 deductible for physical damage and the second set of rates uses a $500 deductible.


Kia Sedona insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $232 $320 $254 $16 $76 $923 $77
Sedona LX $232 $390 $254 $16 $76 $993 $83
Sedona EX $262 $390 $254 $16 $76 $1,023 $85
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Kia Sedona insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sedona $188 $258 $254 $16 $76 $792 $66
Sedona LX $188 $314 $254 $16 $76 $848 $71
Sedona EX $212 $314 $254 $16 $76 $872 $73
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rates do not factor in specific zip code location which can alter auto insurance rates greatly.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs about $12 more each month or $144 a year across all Kia Sedona models than buying the higher $500 deductible. Since the policyholder would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at a minimum 21 months between claim filings, you would save more money if you elect the higher deductible.

The example below highlights how deductible selection and can affect Kia Sedona insurance prices for different insured age categories. The premiums assume a single male driver, comprehensive and collision coverage, and no policy discounts are applied.

Gender-based car insurance premiums in Scottsdale

The information below illustrates the comparison of Kia Sedona insurance prices for male and female drivers. The data is based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, drivers are single, and no other discounts are factored in.

Cut Insurance Costs with These Tips

Lots of things are used in the calculation when pricing auto insurance. Most are fairly basic like a motor vehicle report, but other factors are more obscure such as whether you are married or your financial responsibility.

Auto insurance is an important decision

Despite the high cost, maintaining insurance is required in Arizona but it also protects you in many ways.

The benefits of having auto insurance definitely exceed the price paid, especially for larger claims. According to a 2015 survey, the average American driver overpays more than $820 a year so compare rates at every renewal to ensure rates are competitive.