Kia Cadenza Insurance Rates

The average insurance rates for a Kia Cadenza are $1,192 a year with full coverage. Comprehensive costs on average $224 each year, collision insurance costs $346, and liability coverage is $464. A liability-only policy costs around $514 a year, and high-risk insurance costs around $2,574. Teenage drivers cost the most to insure at up to $4,634 a year.

Average premium for full coverage: $1,192

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Cadenza models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on car insurance rates.

The examples above demonstrate why all drivers should compare rates quotes based on a specific location, rather than using average rates.

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

Rate Comparisons

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

• The best discount rate is $704
• Raising to $1,000 deductibles will save around $130 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,192
• Using low deductibles bumps up the cost to $1,442
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,574
• Policy cost that insures a teenage driver may cost $4,634

View Chart as Image

Car insurance rates for a Kia Cadenza also range considerably based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $4,600 a year. View Rates by Age

Your home state also has a big influence on Kia Cadenza insurance rates. A middle-age driver might find rates as low as $860 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,610 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $380 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $417 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find Affordable Kia Cadenza Insurance

Finding cheaper rates on auto insurance consists of being a good driver, having a positive credit history, not filing small claims, and possibly raising deductibles. Compare prices at every policy renewal by getting quotes from direct companies, and also from several local insurance agents.

The following list is a brief review of the data covered above.

• Consumers who require an increased level of liability coverage will pay an extra $510 every year to raise from a 30/60 limit to the 250/500 level
• You may be able to save as much as $140 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $375 each year
• Drivers age 16 to 20 are expensive to insure, as much as $386 each month if full coverage is purchased