Kia Cadenza Insurance Rates

U.S. average insurance prices for a Kia Cadenza are $1,192 every 12 months for full coverage. Comprehensive insurance costs on average $224, collision insurance costs $346, and liability insurance costs around $464. A policy with just liability insurance costs as low as $514 a year, and coverage for high-risk drivers costs $2,574 or more. 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 states and for all Cadenza models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural areas have more infrequent accident claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above show why everyone should compare prices based on a specific location and their own driving history, rather than relying on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $704
• Using higher $1,000 deductibles will save around $130 a year
• The average price for the average middle-age driver with $500 deductibles is $1,192
• Selecting pricier low deductibles for physical damage coverage costs an extra $250 a year
• Drivers with serious driving violations could pay upwards of $2,574
• The price to insure a teen driver for full coverage may cost $4,634 or more

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Insurance prices for a Kia Cadenza are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your Cadenza.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $380 each year, whereas buying more liability protection will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $417 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles could pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay upwards of $4,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,400 to $2,000 extra each year, depending on your age. Kia Cadenza insurance for high-risk drivers can be anywhere from 43% to 131% more than the average policy. View High Risk Driver Rates

The state you live in has a huge impact on Kia Cadenza insurance rates. A driver around age 40 might see prices as low as $790 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,700 on average in Michigan, Louisiana, and New York.

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How to Shop for Low Cost Kia Cadenza Insurance

Getting lower rates on Kia Cadenza insurance requires being safe and accident-free, having good credit, eliminating unnecessary coverage, and determing if full coverage is necessary. Set aside time to compare rates at least once a year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

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

• Drivers can save as much as $140 per year just by quoting online well ahead of the renewal date
• High-risk drivers who have several accidents or serious violations pay an average of $1,380 more each year than a low-risk driver
• Increasing physical damage deductibles could save as much as $375 each year
• Youthful drivers pay the highest prices, with premiums as much as $386 a month if they have full coverage