Kia Cadenza Insurance Rates

U.S. average insurance prices for a Kia Cadenza are $1,192 every 12 months for full coverage. Comprehensive costs approximately $224 a year, collision insurance costs $346, and liability coverage costs $464. Buying just liability costs as little as $514 a year, and insurance for high-risk drivers costs around $2,574. Teen drivers pay the highest rates at up to $4,634 a year.

Average premium for full coverage: $1,192

Price estimates by individual coverage:

These estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and Cadenza trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. Rural locations have more infrequent accident claims than larger metro areas. The diagram below illustrates how location impacts auto insurance prices.

The ranges above show why it is important to compare rates using their specific location and their own driving history, rather than using price averages.

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

More Rate Details

The chart below shows average Kia Cadenza insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $704
• Drivers who choose higher $1,000 deductibles will pay $1,062 a year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,192
• Choosing low $100 deductibles for comprehensive and collision insurance increases the price to $1,442
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,574
• The price to insure a teenage driver can cost $4,634 a year

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Insurance prices for a Kia Cadenza are also quite variable based on deductibles and policy limits, your driver profile, and the model of your Cadenza.

Choosing high deductibles could save up to $380 a year, while buying higher liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $417 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,400 to $2,000 additional each year, depending on your age. A high-risk auto insurance policy can cost around 43% to 131% more than average. View High Risk Driver Rates

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 Iowa, Maine, and Idaho, or as much as $1,700 on average in New York, Louisiana, and Michigan.

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How to Shop for Cheap Kia Cadenza Insurance

Getting lower rates on auto insurance not only requires being a good driver, but also having above-average credit, eliminating unnecessary coverage, and consideration of higher deductibles. Spend time shopping around at every policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a brief summary of the data touched on above.

• Consumers who purchase an increased level of liability coverage will pay about $510 each year to go from a low limit to a 250/500 level
• Drivers can save around $140 per year just by quoting early and online
• Increasing physical damage deductibles could save as much as $375 each year
• Drivers age 16 to 20 are the costliest to insure, with premiums as much as $386 a month if full coverage is included