Kia Cadenza Insurance Rates

Average insurance rates for a Kia Cadenza are $1,218 a year for full coverage. Comprehensive costs around $232 a year, collision insurance costs $368, and liability coverage is $460. Liability-only coverage costs around $510 a year, and high-risk coverage costs around $2,632. Teen drivers receive the highest rates at up to $4,716 a year.

Average premium for full coverage: $1,218

Rate estimates for individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than larger metro areas. The diagram below illustrates how your location can change auto insurance rates.

These examples show why it is important to compare rates quotes for a specific zip code, rather than using price averages.

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 choices and driver risks.

• The lowest rate with discounts is $717
• Raising to $1,000 deductibles will save about $1,082 a year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,218
• Choosing low $100 deductibles bumps up the cost to $1,482
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,632
• The cost that insures a teenage driver can be $4,716

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Car insurance rates for a Kia Cadenza can also vary considerably based on the trim level of your Cadenza, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 128% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged as much as $4,700 a year. View Rates by Age

Where you live also has a big influence on Kia Cadenza insurance rates. A middle-age driver might find rates as low as $810 a year in states like Idaho, Maine, and Iowa, or as much as $1,740 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can reduce rates by up to $400 a year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find More Affordable Kia Cadenza Insurance

Saving money on auto insurance consists of being a good driver, having a positive credit history, eliminating unneeded coverage, and consideration of higher deductibles. Shop around at every policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a summary of the data illustrated above.

• Consumers who may need an increased level of liability coverage will pay about $510 each year to raise from a minimum limit to the 250/500 level
• Drivers can save up to $140 per year just by quoting early and online
• Increasing deductibles can save approximately $400 each year
• Drivers age 16 to 20 are the costliest to insure, costing as high as $393 per month if full coverage is purchased