Kia Cadenza Insurance Rates

Average insurance rates for a Kia Cadenza are $1,192 a year including full coverage. Comprehensive insurance costs around $224 a year, collision insurance costs $346, and liability costs $464. A policy with just liability insurance costs as little as $514 a year, and coverage for high-risk drivers costs $2,574 or more. Teens receive the highest rates at up to $4,634 a year.

Average premium for full coverage: $1,192

Rate estimates for individual coverage type:

Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Cadenza trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how location impacts auto insurance rates.

These examples highlight why it is important to compare rates for a specific zip code and risk profile, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $704
• Drivers who choose higher $1,000 deductibles will pay about $1,062 every year
• The average rate for a 40-year-old driver using $500 deductibles is $1,192
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an extra $250 annually
• Drivers with serious driving violations could pay at least $2,574
• The cost for full coverage for a 16-year-old driver can be $4,634 a year

View Chart as Image

Insurance rates for a Kia Cadenza can also vary considerably based on your driver profile, the model of your Cadenza, and deductibles and policy limits.

Older drivers with no violations or accidents and high deductibles may pay as low as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay as much as $4,600 a year. View Rates by Age

Where you live makes a big difference in Kia Cadenza insurance prices. A 40-year-old driver could pay as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,700 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $380 annually, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $417 more each year. View Rates by Deductible or Liability Limit

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

How to Find the Right Kia Cadenza Insurance

Saving money on insurance for a Kia Cadenza not only requires avoiding accidents and violations, but also having a good credit history, not filing small claims, and deciding if full coverage is necessary. Spend time shopping around every couple of years by quoting rates from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.

The list below is a quick rundown of the material that was touched on above.

• Insureds who may need higher liability limits will pay approximately $510 per year to go from a minimum limit to 250/500 limits
• Teenagers are charged the highest rates, as much as $386 per month including comprehensive and collision insurance
• Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,380 more every year for car insurance
• Increasing deductibles can save around $375 each year