Kia Cadenza Insurance Rates

Average insurance rates for a Kia Cadenza are $1,218 a year with full coverage. Comprehensive costs approximately $232, collision insurance costs $368, and liability coverage is estimated at $460. A liability-only policy costs approximately $510 a year, and high-risk insurance costs around $2,632. Teenage drivers receive the highest rates at up to $4,716 a year.

Average premium for full coverage: $1,218

Rate estimates by individual coverage type:

Includes $500 deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and for different Cadenza trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on the price of insurance. Rural locations tend to have a lower frequency of collision claims than densely populated cities. The price range example below illustrates how your location can change auto insurance prices.

These examples demonstrate why anyone shopping for car insurance should get quotes using their specific location and risk profile, rather than using average rates.

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

Additional Rate Details

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

• The best discount rate is $717
• Choosing higher $1,000 deductibles can save $136 annually
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,218
• Using more expensive low deductibles for comp and collision coverage will increase the cost to $1,482
• Drivers who are prone to accidents and violations could pay around $2,632
• The cost for full coverage for a teenage driver with full coverage can cost $4,716 each year

View Chart as Image

Insurance rates for a Kia Cadenza can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles may only pay around $1,100 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay in the ballpark of $4,700 a year. View Rates by Age

Where you live plays a big part in determining prices for Kia Cadenza insurance rates. A good driver about age 40 could pay as low as $880 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,650 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $400 a year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,400 to $2,000 extra per year, depending on your age. High-risk driver insurance ranges around 42% to 128% more than a normal policy. View High Risk Driver Rates

How to Find the Cheapest Kia Cadenza Insurance

Saving money on auto insurance takes not taking risks behind the wheel, maintaining good credit, eliminating unnecessary coverage, and possibly raising deductibles. Invest the time to shop around once a year by obtaining price quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

The following is a recap of the data that was illustrated above.

• You may be able to save around $140 per year just by shopping early and online
• Consumers who purchase higher liability limits will pay an extra $510 every year to raise limits from a minimum limit to 250/500 limits
• Teens are expensive to insure, with premiums as much as $393 per month for full coverage
• Drivers that have major violations or accidents pay on average $1,410 more per year for Cadenza insurance