Kia Cadenza Insurance Rates

Estimated insurance rates for a Kia Cadenza are $1,192 a year with full coverage. Comprehensive costs an estimated $224, 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. Teen drivers pay the most at up to $4,634 a year.

Average premium for full coverage: $1,192

Premium estimates broken down by type of coverage:

Rates are based on $500 physical damage deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for different Cadenza trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than larger metro areas. The price range example below illustrates the effect of geographic area on insurance prices.

These rate differences demonstrate why anyone shopping for car insurance should compare rates for a targeted area, rather than using price averages.

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

Additional Rate Information

The chart below details average Kia Cadenza insurance rates for other coverage scenarios.

• The lowest rate with discounts is $704
• Drivers who choose higher $1,000 deductibles will pay approximately $130 annually
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,192
• Choosing more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,442
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,574
• An auto insurance policy that insures a teenage driver with full coverage can cost as much as $4,634 a year

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Insurance prices for a Kia Cadenza also have a wide range based on the model year and trim level, your age and driving habits, and liability limits and deductibles.

If you have a few violations or you caused an accident, you may be forking out $1,400 to $2,000 additional annually, depending on your age. High-risk driver insurance can cost around 43% to 131% more than average. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $4,600 a year. View Rates by Age

Where you choose to live 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 as much as $1,610 on average in New York, Michigan, and Florida.

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Choosing high deductibles could save up to $380 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $417 more each year. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Kia Cadenza Insurance

Finding better rates on auto insurance not only requires being a safe and courteous driver, but also having a good credit score, being claim-free, and possibly raising deductibles. Shop around at every policy renewal by obtaining price quotes from direct companies, and also from insurance agencies where you live.

Below is a quick review of the data covered in the above illustrations.

• Consumers who want higher levels of liability will pay about $510 every year to go from 30/60 bodily injury limits to the 250/500 level
• You may be able to save approximately $140 per year just by shopping early and online
• Increasing policy deductibles can save approximately $375 each year
• Teenage drivers are expensive to insure, possibly costing $386 per month if comprehensive and collision insurance is included