Kia Cadenza Insurance Rates

Average insurance rates for a Kia Cadenza are $1,192 a year for full coverage insurance. Comprehensive insurance costs an estimated $224 a year, collision insurance costs $346, and liability insurance costs around $464. Liability-only coverage costs as low as $514 a year, and high-risk coverage costs $2,574 or more. 16-year-old 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:

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and Cadenza trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than congested cities. The diagram below illustrates how location helps determine insurance prices.

These examples illustrate why it is important to compare prices for a targeted area and risk profile, rather than relying on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $704
• Using higher $1,000 deductibles will save approximately $1,062 each year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,192
• Buying low $100 deductibles for physical damage coverage will cost an extra $250 a year
• Drivers with multiple tickets or accidents could pay up to $2,574
• The cost for full coverage for a teen driver can cost as much as $4,634 or more

View Chart as Image

Car insurance rates for a Kia Cadenza can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.

Older drivers with no driving violations and high deductibles could pay as little as $1,100 a year for full coverage. Rates are highest for teen drivers, where even good drivers will be charged at least $4,600 a year. View Rates by Age

Where you live has a huge impact on Kia Cadenza insurance rates. A driver around age 40 might see rates as low as $780 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,610 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $380 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates

How to Find Cheaper Kia Cadenza Insurance

Saving money on Kia Cadenza insurance requires being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Invest time comparing rates at least once a year by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

Below you'll find a condensed summary of the primary concepts that were covered in the charts and tables above.

• It is possible to save approximately $140 per year just by quoting early and online
• High-risk drivers with multiple at-fault accidents pay on average $1,380 more annually than a low-risk driver
• Increasing deductibles can save around $375 each year
• Youthful drivers have the highest car insurance rates, costing up to $386 per month if full coverage is included