Kia Cadenza Insurance Rates

Average insurance prices for a Kia Cadenza are $1,192 every 12 months for full coverage. Comprehensive insurance costs approximately $224 each year, collision insurance costs $346, and liability coverage costs $464. Buying just liability costs as little as $514 a year, and insurance for high-risk drivers costs $2,574 or more. Teenage drivers receive the highest rates at up to $4,634 a year.

Average premium for full coverage: $1,192

Rate estimates by individual coverage type:

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and Cadenza models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance rates. Rural locations tend to have more infrequent accident claims than densely populated cities. The graphic below illustrates how your location can change auto insurance prices.

These examples show why all drivers should compare rates using their specific location and their own driving history, rather than using average rates.

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

Additional Rate Analysis

The chart below shows average Kia Cadenza insurance rates for additional coverage and risk scenarios.

• The best discount rate is $704
• Drivers who choose higher $1,000 deductibles will pay $130 a year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,192
• Using low deductibles for comprehensive and collision insurance costs an extra $250 each year
• High-risk insureds who are prone to accidents and violations could pay around $2,574
• The cost to insure a teenage driver can cost $4,634 a year

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Auto insurance rates for a Kia Cadenza can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your Cadenza.

Using high physical damage deductibles could save up to $380 a year, whereas increasing liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $417 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may only pay around $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,400 to $2,000 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates

Where you live makes a big difference in Kia Cadenza insurance rates. A 40-year-old driver could pay as low as $790 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,700 on average in New York, Louisiana, and Michigan.

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How to Shop for More Affordable Kia Cadenza Insurance

Saving money on auto insurance not only requires being a good driver, but also having a good credit score, eliminating unneeded coverage, and possibly higher deductibles. Invest the time to shop around at least every other year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following list is a summary of the car insurance concepts illustrated above.

• Drivers who have multiple accidents or major violations may pay on average $1,380 more per year than a safer driver
• Drivers can save around $140 per year just by quoting online in advance
• Increasing deductibles could save as much as $375 each year
• Consumers who purchase an increased level of liability coverage will pay an extra $510 each year to go from a minimum limit to a 250/500 level