Kia Cadenza Insurance Rates

Average insurance rates for a Kia Cadenza are $1,192 a year for full coverage. Comprehensive costs an estimated $224 each year, collision insurance costs $346, and liability is estimated at $464. Buying just liability costs approximately $514 a year, and insurance for high-risk drivers costs around $2,574. Teenage drivers receive the highest rates at up to $4,634 a year.

Average premium for full coverage: $1,192

Rate estimates broken down by individual coverage type:

These estimates include $500 deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and Cadenza models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on insurance rates. More rural locations tend to have lower incidents of accident claims than densely populated cities. The graphic below illustrates how location impacts insurance prices.

These examples show why all drivers should get quotes for a targeted area, instead of using average rates.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below shows average Kia Cadenza insurance rates for other coverage scenarios.

• The best discount rate is $704
• Choosing higher $1,000 deductibles can save approximately $130 a year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,192
• Using low deductibles for comp and collision coverage bumps up the cost to $1,442
• Unlucky drivers who are prone to accidents and violations could pay up to $2,574
• The cost that insures a teen driver can cost as much as $4,634 each year

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Auto insurance rates for a Kia Cadenza can also vary considerably based on the trim level and model year, how you drive, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you could be paying $1,400 to $2,000 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay at least $4,600 a year. View Rates by Age

Where you live plays a big part in determining prices for Kia Cadenza insurance prices. A good driver about age 40 could pay as low as $790 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,700 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $380 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $417 extra every year. View Rates by Deductible or Liability Limit

How to Find Cheap Kia Cadenza Insurance

Saving money on car insurance takes not taking risks behind the wheel, maintaining a good credit score, eliminating unneeded coverage, and consideration of higher deductibles. Compare prices every year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a brief summary of the coverage data touched on above.

• Drivers can save approximately $140 per year just by quoting online in advance
• Increasing deductibles can save approximately $375 each year
• Teens are the costliest to insure, costing as high as $386 per month if the policy includes full coverage
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,380 more annually for Cadenza insurance