Kia Cadenza Insurance Rates

The average insurance rates for a Kia Cadenza are $1,192 a year for full coverage. Comprehensive costs on average $224, collision insurance costs $346, and liability is estimated at $464. Liability-only insurance costs approximately $514 a year, and high-risk driver insurance costs around $2,574. Teen 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:

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

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of accident claims than larger metro areas. The example below illustrates how location impacts car insurance rates.

The examples above show why everyone should get quotes based on a specific location, instead of making a decision based on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $704
• Choosing higher $1,000 deductibles can save around $130 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,192
• Choosing pricier low deductibles for comp and collision coverage bumps up the cost to $1,442
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,574
• Policy cost that insures a 16-year-old driver for full coverage may cost $4,634 each year

View Chart as Image

Auto insurance rates for a Kia Cadenza also range considerably based on the model of your Cadenza, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,400 to $2,000 in extra premium every year, depending on your age. Kia Cadenza insurance for high-risk drivers ranges from 43% to 131% more than average. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay upwards of $4,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Kia Cadenza insurance prices. A good driver about age 40 could pay as low as $790 a year in states like Idaho, Maine, and Iowa, or as much as $1,700 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can save as much as $380 annually, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $417 extra every year. View Rates by Deductible or Liability Limit

How to Find the Best Kia Cadenza Insurance

Finding cheaper rates on insurance for a Kia Cadenza takes avoiding accidents and claims, maintaining a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Shop around at least every other year by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.

The points below are a brief recap of the car insurance concepts touched on above.

• Drivers considered higher risk who tend to receive serious violations may pay on average $1,380 more each year to insure a Kia Cadenza
• Drivers can save as much as $140 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $375 each year
• Insureds who require increased liability limits will pay about $510 each year to raise limits from a 30/60 limit to the 250/500 level