Kia Cadenza Insurance Rates

The average insurance rates for a Kia Cadenza are $1,192 a year with full coverage. Comprehensive insurance costs on average $224 a year, collision insurance costs $346, and liability coverage costs around $464. Liability-only coverage costs as low as $514 a year, and high-risk coverage costs $2,574 or more. Teenage 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:

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Cadenza trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than densely populated cities. The diagram below illustrates how where you live affects car insurance rates.

The examples above demonstrate why it is important to compare prices based on a specific location and risk profile, rather than using average rates.

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 discount rate is $704
• Using higher $1,000 deductibles will save around $1,062 annually
• The average rate for a good driver age 40 with $500 deductibles is $1,192
• Using low $100 deductibles for physical damage coverage will cost an extra $250 each year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,574
• Policy cost for full coverage for a teenage driver may cost $4,634 or more

View Chart as Image

Insurance rates for a Kia Cadenza also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $4,600 a year. View Rates by Age

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 be forced to pay as much as $1,610 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $380 a year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $417 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,400 to $2,000 additional every year, depending on your age. A high-risk auto insurance policy can be around 43% to 131% more than a normal policy. View High Risk Driver Rates

How to Find Cheaper Kia Cadenza Insurance

Finding cheaper rates on auto insurance requires being a good driver, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Take the time to comparison shop once a year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following list is a condensed summary of the data that was touched on in the above illustrations.

• You may be able to save as much as $140 per year just by quoting early and online
• Consumers who require an increased level of liability coverage will pay an extra $510 every year to increase from a 30/60 limit to 250/500 limits
• Drivers age 16 to 20 pay higher rates, as much as $386 each month including comprehensive and collision insurance
• Drivers with multiple at-fault accidents may be required to pay an average of $1,380 more each year than a safer driver