Kia Cadenza Insurance Rates

Estimated insurance prices for a Kia Cadenza are $1,192 every 12 months for full coverage insurance. Comprehensive costs approximately $224 a year, collision insurance costs $346, and liability costs around $464. Liability-only coverage costs as low as $514 a year, and high-risk coverage costs around $2,574. Teenage drivers pay the most at up to $4,634 a year.

Average premium for full coverage: $1,192

Premium estimates by type of coverage:

Prices include $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and Cadenza trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities. The diagram below illustrates the effect of geographic area on auto insurance prices.

These rate differences illustrate why it is important to compare prices using their specific location and their own driving history, instead of using average rates.

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

Additional Charts and Tables

The chart below illustrates average Kia Cadenza insurance rates for additional coverage and risk scenarios.

• The best discount rate is $704
• Using higher $1,000 deductibles will save $1,062 each year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,192
• Using low $100 deductibles for physical damage coverage increases the price to $1,442
• Drivers who are prone to accidents and violations could pay around $2,574
• An auto insurance policy to insure a teen driver can cost $4,634 or more

View Chart as Image

Insurance prices for a Kia Cadenza also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your Cadenza.

Using high physical damage deductibles could cut prices by as much as $380 every year, while buying higher liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $417 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,400 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy can be as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Kia Cadenza insurance prices. A driver around age 40 might see prices as low as $780 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,610 on average in Florida, New York, and Michigan.

View Chart as Image

How to Shop for the Right Kia Cadenza Insurance

Finding better rates on car insurance requires having a good driving record, having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to compare rates every other policy renewal by requesting rates from direct insurance companies, and also from local insurance agencies.

The next list is a quick rundown of the ideas that were covered in the above illustrations.

• Drivers age 20 and younger are expensive to insure, with premiums being up to $386 per month if they have full coverage
• Higher risk drivers with reckless driving or DUI convictions may have to pay on average $1,380 more per year to buy Kia Cadenza insurance
• Increasing policy deductibles could save as much as $375 each year
• It is possible to save around $140 per year just by quoting early and online