Kia Cadenza Insurance Rates

Average insurance rates for a Kia Cadenza are $1,192 a year with full coverage. Comprehensive costs an estimated $224 a year, collision insurance costs $346, and liability costs around $464. A liability-only policy costs as low as $514 a year, and high-risk insurance costs around $2,574. 16-year-old drivers receive the highest rates at up to $4,634 a year.

Average premium for full coverage: $1,192

Rate estimates broken down by individual coverage type:

These estimates include $500 deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and Cadenza trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on car insurance rates. More rural locations tend to have lower incidents of collision claims than congested cities. The diagram below illustrates the effect of geographic area on insurance prices.

These examples demonstrate why it is important to compare prices for a targeted area, instead of making a decision based on rate averages.

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

Detailed Rate Analysis

The chart below details average Kia Cadenza insurance rates for other coverage scenarios.

• The best full coverage rate is $704
• Using higher $1,000 deductibles will save approximately $1,062 annually
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,192
• Buying low $100 deductibles for physical damage coverage bumps up the cost to $1,442
• High-risk insureds with multiple tickets or accidents could pay up to $2,574
• The cost that insures a 16-year-old driver can cost as much as $4,634 or more

View Chart as Image

Insurance rates for a Kia Cadenza can also vary considerably based on the trim level of your Cadenza, your age and driving habits, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you may be forking out $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy can be from 43% to 131% more than the average rate. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay at least $4,600 a year. View Rates by Age

Where you live has a huge impact on Kia Cadenza insurance prices. A driver around age 40 might see rates as low as $860 a year in states like Utah, Ohio, and New Hampshire, or at least $1,610 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $380 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $417 more per year. View Rates by Deductible or Liability Limit

How to Find Cheap Kia Cadenza Insurance

Saving money on insurance for a Kia Cadenza requires not taking risks behind the wheel, having above-average credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Comparison shop every couple of years by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a brief summary of the material that was covered in the above illustrations.

• Insureds who want higher liability limits will pay around $510 every year to increase from a minimum limit to the 250/500 level
• Teens are charged the highest rates, with premiums as much as $386 per month if full coverage is included
• Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,380 more annually for Cadenza insurance
• Increasing deductibles can save approximately $375 each year