Kia Cadenza Insurance Rates

Average insurance prices for a Kia Cadenza are $1,192 every 12 months including full coverage. Comprehensive costs around $224 each year, collision insurance costs $346, and liability is estimated at $464. Liability-only coverage costs approximately $514 a year, and high-risk coverage costs around $2,574. Teen drivers receive the highest rates at up to $4,634 a year.

Average premium for full coverage: $1,192

Rate estimates for individual coverage type:

Rates are based on $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Cadenza models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

These examples highlight why all drivers should get quotes for a specific zip code and their own driving history, instead of using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $704
• Choosing higher $1,000 deductibles can save about $130 every year
• The average price for a 40-year-old driver using $500 deductibles is $1,192
• Choosing low deductibles for comp and collision coverage increases the price to $1,442
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,574
• The cost to insure a teen driver can be $4,634 each year

View Chart as Image

Car insurance rates for a Kia Cadenza can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.

Choosing high deductibles can save as much as $380 every year, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as little as $1,100 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged as much as $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,400 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 131% more than average. View High Risk Driver Rates

Where you live plays a big part in determining prices for Kia Cadenza insurance prices. A good driver about age 40 could pay as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,700 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Shop for the Best Cheap Kia Cadenza Insurance

Saving money on car insurance takes being safe and accident-free, maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Set aside time to compare rates every couple of years by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below you'll find a quick review of the material that was covered above.

• Policyholders who may need more liability protection will pay about $510 per year to raise limits from a minimum limit to a 250/500 level
• Youthful drivers are the costliest to insure, as much as $386 per month if the policy includes full coverage
• Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,380 more every year than a low-risk driver
• Increasing deductibles could save as much as $375 each year