Kia Cadenza Insurance Rates

U.S. average insurance rates for a Kia Cadenza are $1,192 a year for full coverage. Comprehensive insurance costs on average $224 each year, collision insurance costs $346, and liability insurance costs $464. Buying just liability costs as little as $514 a year, and insurance for high-risk drivers costs $2,574 or more. 16-year-old drivers pay the highest rates at up to $4,634 a year.

Average premium for full coverage: $1,192

Price estimates by individual coverage:

Rate estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and Cadenza models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance rates. Rural areas have lower incidents of accident claims than congested cities. The graphic below illustrates how your location can change car insurance rates.

The ranges above show why all drivers should compare rates based on a specific location, rather than relying on rate averages.

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

Detailed Rate Analysis

The chart below shows average Kia Cadenza insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $704
• Drivers who choose higher $1,000 deductibles will pay around $130 a year
• The estimated price for the average middle-age driver with $500 deductibles is $1,192
• Buying low deductibles for comprehensive and collision insurance will cost an additional $250 a year
• High risk drivers with multiple tickets or accidents could pay upwards of $2,574
• The price that insures a teen driver may cost $4,634 a year

View Chart as Image

Insurance prices for a Kia Cadenza are also quite variable based on the trim level and model year, how you drive, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you could be paying at a minimum $1,400 to $2,000 additional each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,600 a year. View Rates by Age

The state you live in makes a big difference in Kia Cadenza insurance rates. A 40-year-old driver could pay as low as $790 a year in states like Idaho, Maine, and Iowa, or at least $1,700 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could save up to $380 each year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $417 more each year. View Rates by Deductible or Liability Limit

How to Find the Best Kia Cadenza Insurance

Getting lower rates on Kia Cadenza insurance not only requires being a low-risk driver, but also having a good credit score, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Comparison shop every couple of years by quoting rates from direct carriers, and also from local exclusive and independent agents.

The items below are a brief recap of the material that was illustrated above.

• Drivers who require more liability coverage will pay around $510 each year to go from a low limit to the 250/500 level
• Teen drivers pay higher prices, with premiums as much as $386 a month if comprehensive and collision insurance is included
• High-risk drivers who tend to receive serious violations may pay on average $1,380 more each year to insure their Cadenza
• Increasing physical damage deductibles can save approximately $375 each year