Kia Cadenza Insurance Rates

The average insurance prices for a Kia Cadenza are $1,192 every 12 months with full coverage. Comprehensive insurance costs on average $224 each year, collision insurance costs $346, and liability insurance costs around $464. A liability-only policy costs as low as $514 a year, and high-risk insurance costs $2,574 or more. 16-year-old drivers cost the most to insure at up to $4,634 a year.

Average premium for full coverage: $1,192

Policy rates by type of insurance:

Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Cadenza models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on auto insurance rates. Rural areas are shown to have more infrequent collision claims than congested cities. The graphic below illustrates how your location can change car insurance rates.

The examples above demonstrate why all drivers should compare prices based on a specific location and their own driving history, rather than relying on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $704
• Using higher $1,000 deductibles will save around $130 annually
• The average price for a good driver age 40 with $500 deductibles is $1,192
• Buying low deductibles for physical damage coverage costs an extra $250 a year
• Drivers with multiple tickets or accidents could pay upwards of $2,574
• Policy cost to insure a teen driver may cost $4,634 or more

View Chart as Image

Car insurance rates for a Kia Cadenza also range considerably based on liability limits and deductibles, your driving record, and the trim level of your Cadenza.

Opting for high physical damage deductibles could cut rates by as much as $380 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $417 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged upwards of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates

Your home state has a huge impact on Kia Cadenza insurance rates. A driver around age 40 might see rates as low as $860 a year in states like New Hampshire, Ohio, and Utah, or at least $1,610 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for More Affordable Kia Cadenza Insurance

Finding cheaper rates on Kia Cadenza insurance requires avoiding accidents and claims, maintaining a good credit score, not filing small claims, and possibly raising deductibles. Invest the time to shop around at every other renewal by getting quotes from direct companies, and also from local exclusive and independent agents.

The points below are a summary of the concepts that were illustrated above.

• High-risk drivers who have multiple accidents or major violations may pay on average $1,380 more each year to insure a Kia Cadenza
• Drivers under the age of 20 are expensive to insure, as much as $386 each month if the policy includes full coverage
• You may be able to save as much as $140 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $375 each year
• You may be able to save as much as $140 per year just by quoting online in advance