- Car insurance rates for a Kia Carnival average $2,422 per year or around $202 per month, but vary considerably based on driver age.
- Kia Carnival insurance cost ranges from $2,282 to $2,568 per year, depending on trim level.
- Out of four models in the 2024 minivan segment, the Carnival ranks fourth for car insurance cost.
- Prior to the 2022 model, the Carnival was called the Sedona in the U.S. market. See our Kia Sedona insurance cost page for rate information on models prior to 2022.
How much does Kia Carnival insurance cost?
Kia Carnival insurance rates average $2,422 a year for full coverage, or about $202 if paid each month. The cheapest LX trim (MSRP of $33,200) is the cheapest model to insure, while the more expensive SX Prestige model (MSRP of $46,300) costs the most to insure.
The trim level of Carnival you own or buy is one factor that impacts car insurance rates, but driver age and policy deductible limits are two additional factors determine the price you’ll pay.
The chart below shows how driver age and policy deductibles can create significant variation in policy rates on a 2024 Kia Carnival.
The table below breaks out average insurance rates for each of the different trim levels available on the 2024 Carnival. As mentioned earlier, the LX model is the cheapest to insure, while the SX Prestige trim is most expensive to insure.
| 2024 Kia Carnival Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| LX | $2,282 | $190 |
| LX Seat Package | $2,340 | $195 |
| EX | $2,428 | $202 |
| SX | $2,492 | $208 |
| SX Prestige | $2,568 | $214 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated June 26, 2025
Is it expensive to insure a Kia Carnival?
When compared to other 2024 model year minivans (there are only four total), car insurance rates for a Kia Carnival cost $284 more per year than the Honda Odyssey, and $108 more than the Chrysler Pacifica.
Kia Carnival insurance cost ranks fourth out of the four remaining minivan models for 2024. The Carnival costs an average of $2,422 per year to insure for full coverage, while the segment median price is $2,318 annually, a difference of only $104 per year.
The table below ranks the four minivans by average insurance cost, with the Kia Carnival shown in the fourth spot.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Honda Odyssey | $2,138 | -$284 |
| 2 | Chrysler Pacifica | $2,314 | -$108 |
| 3 | Toyota Sienna | $2,398 | -$24 |
| 4 | Kia Carnival | $2,422 | -- |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated June 27, 2025
