Kia Cadenza Insurance Rates

U.S. average insurance rates for a Kia Cadenza are $1,192 a year with full coverage. Comprehensive costs approximately $224 a year, collision insurance costs $346, and liability coverage costs $464. Liability-only insurance costs as little as $514 a year, and high-risk driver insurance costs around $2,574. Teens pay the highest rates at up to $4,634 a year.

Average premium for full coverage: $1,192

Price estimates by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of insurance. Rural locations have a lower frequency of collision claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above demonstrate why it is important to compare rates using their specific location and risk profile, rather than using averaged prices.

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 cheapest rate after discounts is $704
• Drivers who choose higher $1,000 deductibles will pay $1,062 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,192
• Selecting low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,442
• High-risk insureds with serious driving violations could pay around $2,574
• The price for full coverage for a teenage driver can cost $4,634 a year

View Chart as Image

Car insurance prices for a Kia Cadenza are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high deductibles may only pay around $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged in the ballpark of $4,600 a year. View Rates by Age

The state you live in makes a big difference in Kia Cadenza insurance rates. A 40-year-old driver could pay as low as $860 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,610 on average in New York, Michigan, and Florida.

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Choosing higher comprehensive and collision insurance deductibles could save up to $380 a year, while buying higher liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy can cost around 43% to 131% more than the average policy. View High Risk Driver Rates

How to Find Low Cost Kia Cadenza Insurance

Getting lower rates on auto insurance not only requires being safe and accident-free, but also having above-average credit, avoid buying unnecessary coverage, and attention to physical damage deductibles. Set aside time to compare rates at least once a year by requesting quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

Below you'll find a review of the primary concepts that were covered above.

• You may be able to save around $140 per year just by quoting early and online
• Drivers who have several accidents or serious violations pay on average $1,380 more per year than a low-risk driver
• Increasing physical damage deductibles can save around $375 each year
• Youthful drivers pay the highest auto insurance prices, costing up to $386 a month if full coverage is included