Kia Cadenza Insurance Rates

The average auto insurance rates for a Kia Cadenza are $1,192 annually for full coverage insurance. Comprehensive insurance costs around $224 each year, collision insurance costs $346, and liability insurance is estimated at $464. Liability-only insurance costs approximately $514 a year, and high-risk driver insurance costs $2,574 or more. Teen drivers cost the most to insure at up to $4,634 a year.

Average premium for full coverage: $1,192

Policy rates for type of insurance:

These estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and Cadenza models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than larger metro areas. The graphic below illustrates the difference location can make on auto insurance rates.

The examples above illustrate why all drivers should get quotes for a specific zip code and their own personal driving habits, rather than relying on price averages.

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

Rate Comparisons

The chart below illustrates average Kia Cadenza insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $704
• Choosing higher $1,000 deductibles can save about $130 each year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,192
• Choosing low deductibles for comp and collision coverage costs an additional $250 a year
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,574
• Policy cost with full coverage for a teen driver can be $4,634 each year

View Chart as Image

Auto insurance rates for a Kia Cadenza also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.

More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay as much as $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,400 to $2,000 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $380 each year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $417 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Kia Cadenza insurance rates. A good driver about age 40 could pay as low as $780 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,610 on average in Michigan, New York, and Florida.

View Chart as Image

How to Buy Cheap Kia Cadenza Insurance

Finding cheaper rates on Kia Cadenza insurance takes being safe and accident-free, having above-average credit, being claim-free, and possibly raising deductibles. Make time to compare rates at every policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a brief summary of the data touched on in this article.

• Drivers who may need more liability protection will pay about $510 annually to raise limits from a 30/60 limit to higher 250/500 limits
• It is possible to save up to $140 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $375 each year
• Youthful drivers are expensive to insure, possibly costing $386 each month if full coverage is included