Kia Cadenza Insurance Rates

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

Average premium for full coverage: $1,192

Rate estimates for individual coverage type:

These estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and Cadenza trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how your location can change auto insurance rates.

These examples highlight why it is important to compare prices for a specific zip code and risk profile, rather than using averaged prices.

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

More Rate Information

The chart below breaks down average Kia Cadenza insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $704
• Using higher $1,000 deductibles will save about $1,062 every year
• The average rate for a 40-year-old driver using $500 deductibles is $1,192
• Selecting low $100 deductibles for physical damage coverage will increase the cost to $1,442
• Higher-risk drivers with serious driving violations could pay at least $2,574
• The cost for full coverage for a teenage driver can be $4,634 or more

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles may only pay around $1,100 a year for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay as much as $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 $920 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,700 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $380 a year, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $417 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at least $1,400 to $2,000 additional per year, depending on your age. A high-risk auto insurance policy can be around 43% to 131% more than the average policy. View High Risk Driver Rates

How to Find Cheap Kia Cadenza Insurance

Saving money on auto insurance requires being a good driver, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Invest the time to shop around every couple of years by quoting rates from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.

The following list is a brief summary of the material that was illustrated above.

• Consumers who may need an increased level of liability coverage will pay approximately $510 per year to increase from a minimum limit to 250/500 limits
• Drivers age 16 to 20 are charged the highest rates, as much as $386 per month including comprehensive and collision insurance
• Drivers that tend to have accidents or serious violations pay on average $1,380 more every year than a safer driver
• Increasing deductibles can save around $375 each year