Kia Cadenza Insurance Rates

Average insurance prices for a Kia Cadenza are $1,218 every 12 months for full coverage insurance. Comprehensive costs approximately $232 each year, collision insurance costs $368, and liability costs around $460. Liability-only coverage costs as low as $510 a year, and high-risk coverage costs around $2,632. Teenage drivers receive the highest rates at up to $4,716 a year.

Average premium for full coverage: $1,218

Rate estimates by individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than densely populated cities. The graphic below illustrates how your location can change auto insurance prices.

These examples illustrate why all drivers should compare prices using their specific location and their own driving history, instead of using average rates.

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 and risk scenarios.

• The best discount rate is $717
• Using higher $1,000 deductibles will save $136 each year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,218
• Using low deductibles for physical damage coverage increases the price to $1,482
• Drivers who are prone to accidents and violations could pay around $2,632
• The cost to insure a teen driver can cost $4,716 or more

View Chart as Image

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

Using high physical damage deductibles could cut rates by as much as $400 every year, whereas increasing liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged in the ballpark of $4,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $1,400 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers can be as much as 42% to 128% more than a normal policy. View High Risk Driver Rates

Where you live has a huge impact on Kia Cadenza insurance prices. A driver around age 40 might see rates as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,650 on average in Florida, New York, and Michigan.

View Chart as Image

How to Shop for the Best Kia Cadenza Insurance

Saving money on car insurance requires being a good driver, maintaining a good credit score, avoid buying unnecessary coverage, and attention to physical damage deductibles. Invest the time to shop around at least every other year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The following list is a brief recap of the car insurance concepts illustrated above.

• Higher risk drivers who tend to receive serious violations may have to pay on average $1,410 more per year than a safer driver
• It is possible to save around $140 per year just by quoting online in advance
• Increasing deductibles could save as much as $400 each year
• Policyholders who purchase an increased level of liability coverage will pay an extra $510 annually to increase from a minimum limit to a 250/500 level