Kia Cadenza Insurance Rates

Average insurance rates for a Kia Cadenza are $1,192 a year for full coverage. Comprehensive insurance costs around $224, collision insurance costs $346, and liability insurance costs $464. A liability-only policy costs as little as $514 a year, and high-risk insurance costs $2,574 or more. 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:

Estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for different Cadenza trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on auto insurance rates.

These examples show why anyone shopping for car insurance should compare rates for a specific zip code, rather than relying on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $704
• Drivers who choose higher $1,000 deductibles will pay about $130 a year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,192
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost an additional $250 a year
• High risk drivers with serious driving violations could pay at least $2,574
• The cost that insures a teen driver with full coverage can be $4,634 a year

View Chart as Image

Insurance rates for a Kia Cadenza can also vary considerably based on the model year and trim level, 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. High-risk driver insurance can cost anywhere from 43% to 131% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay as much as $4,600 a year. View Rates by Age

Where you live makes a big difference in Kia Cadenza insurance rates. A 40-year-old driver could pay 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 could save up to $380 each year, while increasing your policy's liability limits will increase rates. Going 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 Low Cost Kia Cadenza Insurance

Saving money on Kia Cadenza insurance not only requires being a low-risk driver, but also having above-average credit, eliminating unneeded coverage, and dropping full coverage on older vehicles. Compare rates at every policy renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a review of the data covered in the above illustrations.

• Drivers who may need more liability coverage will pay approximately $510 each year to go from a minimum limit to the 250/500 level
• Drivers can save up to $140 per year just by shopping early and online
• Increasing deductibles can save approximately $375 each year
• Teen drivers pay higher rates, costing as high as $386 per month if full coverage is included