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Car Insurance Quotes for the Kia Sedona

Are You Getting the Cheapest Car Insurance Available for a Kia Sedona?

Illustration of Kia Sedona

How Much Is Car Insurance for the Kia Sedona?

You made a great choice for yourself and your family by picking up a Kia Sedona The minivan will serve you well on trips with your loved ones or friends, with lots of room for seven passengers plus luggage. Now make another great decision, and pick up insurance to protect your vehicle for an average of $86 to $162 monthly.

Getting auto coverage is a journey, but it doesn’t have to be a difficult one. You’ll have to make a lot of decisions along the way, but Freeway Insurance is here to help. They have expert agents who can explain your options and how they affect your cost and level of protection. Their staff will help you and your family obtain the most affordable car insurance possible.

Getting a Free Auto Insurance quote with Freeway is easy!

Comparing Insurance Costs for the Kia Sedona to Other Vehicles

Your Kia Sedona is not like other minivans, and the cost of replacing it and labor and parts for repairs are also different. Therefore, your premiums won’t be the same as other similar vehicles. Check out this chart to see the average cost of full coverage for your Sedona alongside similar vehicles.

Make/Model Annual Full Coverage Insurance
Kia Sedona $1,944
Toyota Sienna $1,687
Honda Odyssey $1,454
Dodge Caravan $1,370

Types of Car Insurance Coverage for the Kia Sedona

Some of the major decisions you’ll have to make will pertain to different types of car insurance coverage available to you. Each of these will offer varying levels of protection but will have different price tags. Your Freeway agent will discuss these with you until you’re comfortable enough to decide what works best for you. Here are two of the most common types of coverage you’ll probably review with your agent:

Full Coverage

Do you care if your car gets a ding here and there in the parking lot when you’re out shopping? Are you worried about flooding and other natural disasters ruining your vehicle? What about theft, hit-and-runs, or accidents with uninsured drivers? If these concern you, your agent will probably recommend you spend around $162 per month on a full coverage policy. This is the highest level of protection available and would protect you in all of the above scenarios.

State Minimum Liability

Your primary concern might be getting the most inexpensive insurance available. If that’s the case, you can save a lot of money by getting minimum liability coverage for about $86 per month. While this policy would cover damages you cause to others, it won’t pay for your own vehicle when you’re at fault. It also might not pay for the entire bill. For example, some states only require you to have $15,000 in property damage liability. If you cause a crash that results in $20,000 in losses, you would have to pay $5,000 on your own.

Individual Factors That Influence Pricing for the Kia Minivan

You can see how the type of vehicle you’re insuring and the level of coverage you choose play a significant role in how much your policy will cost. There are many other factors that help your insurer determine your monthly premiums. The following are some more examples.

The Class of Vehicle You Drive

Insurers look closely at your vehicle type because statistics show that some classes get into more accidents than others. In your case, a minivan is considered a safe car, driven primarily by families. In contrast, a souped-up sports car might be more costly to insure since it’s more likely to be used for a dangerous speed session down the highway.

The Options You Choose

Whether you choose full or minimum liability coverage, you can also opt for certain add-ons. For example, you can get rental car reimbursement when your vehicle is out of commission due to an accident, and you can get 24/7 roadside assistance through your insurer. But each option will add to your premium cost.

Your Credit Score

Many states allow insurers to use your credit score to help determine the probability of you filing a claim. This might seem strange, but there is a reason for it. Statistics show that the way people handle their finances correlates to claim rates. Therefore, people with higher credit scores might be entitled to lower premiums.

Kia Sedona car on display at a showroom.

How Does a DUI Affect Insurance Rates for a Sedona?

Drunk drivers are safety hazards. They can easily miscalculate turns and speeds and are highly susceptible to causing accidents. Insurers know this and will designate anyone who’s been convicted of driving under the influence as a high-risk driver. Rates will increase significantly, and before such an individual can get behind the wheel again, their carrier will have to file an SR-22 certificate. This form lets the state know that the driver has at least the minimum amount of coverage required to operate a vehicle in the state.

What Are Some Car Insurance Discounts for a Minivan?

Almost any person who gets an insurance policy will qualify for some type of discount. If you don’t have any moving violations or accidents on your record after several years on the road, you’re a good candidate for a safe driver discount. If you get your homeowners and auto coverage from the same insurer, they’ll probably give you a multi-policy discount, which will reduce the cost of both policies. Your Freeway agent will look for discounts for you, but it never hurts to ask what they have available. Here are some more examples that might pertain to you:

  • Before renewing your policy at the end of the year, ask if you can get a loyalty discount for sticking with your insurer.
  • You might get a safety feature discount if your car has features that will help you avoid an accident.
  • Ask if you can get a military discount if you’re a veteran or current member of the U.S. armed services.
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What Are Some of the Characteristics of the Kia Sedona?

The Kia Sedona hit the U.S. market in 2002 as an affordable alternative to more costly minivans. Known as either the Sedona or the Carnival globally, the name Sedona was retired for model year 2022. Despite its price point, it offered various 2.5-3.5 liter V6 engines, including diesel options. Depending on the year and trim, this vehicle could hold seven or eight passengers. Perhaps not as roomy as some of its counterparts, it is an excellent, affordable family car.


Find the Best Car Insurance Rates Online for the Kia Sedona Today

The Kia Sedona will make everything from a ladies’ night out to a family vacation enjoyable, with lots of room for passengers and luggage. Get in touch with Freeway Insurance to get affordable coverage so you can enjoy your outings without worrying about what happens if you get into an accident. Talk to our friendly agents by calling 800-777-5620 or get a quote for car insurance online. If you have the time, stop by one of our physical locations for a face-to-face meeting with one of our experts.

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