Kia Cadenza Insurance Rates

U.S. average auto insurance rates for a Kia Cadenza are $1,218 annually for full coverage insurance. Comprehensive costs around $232 each year, collision insurance costs $368, and liability costs $460. Liability-only coverage costs as little as $510 a year, and high-risk coverage costs around $2,632. Teenage drivers pay the highest rates at up to $4,716 a year.

Average premium for full coverage: $1,218

Price estimates for individual coverage:

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and Cadenza models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. Areas with sparse population have fewer physical damage claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance rates.

The ranges above illustrate why all drivers should compare rates for a specific zip code and their own personal driving habits, instead of using average rates.

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

Additional Rate Information

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

• The best discount rate is $717
• Drivers who choose higher $1,000 deductibles will pay about $136 each year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,218
• Using low deductibles for comprehensive and collision insurance will cost $1,482
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,632
• The price with full coverage for a teen driver can be $4,716 a year

View Chart as Image

Auto insurance prices for a Kia Cadenza are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay as much as $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at least $1,400 to $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $400 every year, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Kia Cadenza insurance prices. A 40-year-old driver could pay as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,650 on average in Michigan, New York, and Florida.

View Chart as Image

How to Buy Affordable Kia Cadenza Insurance

Getting lower rates on car insurance not only requires being a good driver, but also having above-average credit, not filing small claims, and possibly raising deductibles. Invest time comparing rates at every policy renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a brief review of the data covered in the charts and tables above.

• Policyholders who may need an increased level of liability coverage will pay an extra $510 annually to go from a low limit to higher 250/500 limits
• It is possible to save up to $140 per year just by quoting online in advance
• Increasing physical damage deductibles could save up to $400 each year
• Drivers age 16 to 20 are expensive to insure, as much as $393 a month if full coverage is included