Kia Cadenza Insurance Rates

Average insurance rates for a Kia Cadenza are $1,192 a year for full coverage insurance. Comprehensive costs an estimated $224 a year, collision insurance costs $346, and liability insurance costs around $464. A liability-only policy costs as low as $514 a year, and high-risk insurance 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 broken down by individual coverage type:

Rates are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and Cadenza trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than larger metro areas. The diagram below illustrates how location impacts insurance prices.

These examples illustrate why it is important to compare prices for a targeted area, rather than relying on price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $704
• Using higher $1,000 deductibles will save approximately $1,062 each year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,192
• Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,442
• Drivers with multiple violations and an at-fault accident could pay up to $2,574
• The cost that insures a teen 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 record, and liability limits and deductibles.

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

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little 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 rates. A driver around age 40 might see rates as low as $780 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,610 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $380 each year, while buying higher liability limits will increase premiums. Switching 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 the Best Cheap Kia Cadenza Insurance

Saving money on Kia Cadenza insurance requires having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Shop around every couple of years by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following items are a quick review of the material that was touched on above.

• Drivers who want additional liability coverage will pay about $510 annually to increase from a minimum limit to the 250/500 level
• 16 to 18-year-old drivers are charged the highest rates, costing up to $386 per month if full coverage is included
• High-risk drivers with a DUI or reckless driving violation may have to pay on average $1,380 more annually than a driver with a clean driving record
• Increasing deductibles can save approximately $375 each year