Kia Cadenza Insurance Rates

U.S. average insurance rates for a Kia Cadenza are $1,192 a year for full coverage. Comprehensive costs on average $224 a year, collision insurance costs $346, and liability is $464. A policy with just liability insurance costs around $514 a year, and coverage for high-risk drivers costs around $2,574. Teens pay the highest rates at up to $4,634 a year.

Average premium for full coverage: $1,192

Price estimates by individual coverage:

Full coverage includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and Cadenza trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas have a lower frequency of accident claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on car insurance rates.

The ranges above show why it is important to compare rates quotes based on a specific location and risk profile, instead of making a decision based on averaged prices.

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

Additional Rate Details

The chart below shows average Kia Cadenza insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $704
• Raising to $1,000 deductibles will save around $1,062 a year
• The average rate for the average middle-age driver with $500 deductibles is $1,192
• Selecting low $100 deductibles will increase the cost to $1,442
• Drivers with serious driving violations could pay upwards of $2,574
• The price for full coverage for a 16-year-old driver may cost $4,634

View Chart as Image

Insurance prices for a Kia Cadenza are also quite variable based on your driving record, the trim level of your Cadenza, and policy deductibles and limits.

Older drivers with a clean driving record and high deductibles may pay as low as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay upwards of $4,600 a year. View Rates by Age

The state you live in also has a big influence on Kia Cadenza insurance prices. A middle-age driver might find prices as low as $790 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,700 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $380 annually, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $417 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 131% more than the average policy. View High Risk Driver Rates

How to Find More Affordable Kia Cadenza Insurance

Getting lower rates on insurance for a Kia Cadenza consists of being a low-risk driver, maintaining good credit, eliminating unnecessary coverage, and determing if full coverage is necessary. Take the time to compare rates at least every other year by getting price quotes from direct carriers like Progressive and GEICO, and also from your local insurance agents.

The items below are a summary of the car insurance concepts covered in the above illustrations.

• Drivers considered higher risk who have multiple accidents or major violations will pay on average $1,380 more each year to insure their Cadenza
• Drivers can save as much as $140 per year just by quoting early and online
• Increasing physical damage deductibles can save around $375 each year
• Insureds who require more liability coverage will pay approximately $510 each year to raise from a low limit to 250/500 limits