Kia Cadenza Insurance Rates

Average insurance rates for a Kia Cadenza are $1,192 a year for full coverage. Comprehensive insurance costs an estimated $224 each year, collision insurance costs $346, and liability insurance is $464. A policy with just liability insurance costs around $514 a year, and coverage for high-risk drivers costs $2,574 or more. Teenage drivers receive the highest rates at up to $4,634 a year.

Average premium for full coverage: $1,192

Rate estimates broken down by individual coverage type:

Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and Cadenza models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. More rural locations tend to have a lower frequency of accident claims than densely populated cities. The graphic below illustrates how where you live affects insurance prices.

These examples show why all drivers should compare rates quotes for a targeted area and risk profile, rather than relying on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $704
• Raising to $1,000 deductibles will save approximately $130 a year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,192
• Using low deductibles will cost an extra $250 a year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,574
• The cost for full coverage for a teen driver can cost as much as $4,634

View Chart as Image

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

More mature drivers with no violations or accidents and high deductibles could pay as little as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay at least $4,600 a year. View Rates by Age

Where you live also has a big influence on Kia Cadenza insurance rates. A middle-age driver might find rates as low as $790 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,700 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $380 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $417 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying $1,400 to $2,000 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

How to Find the Best Kia Cadenza Insurance

Saving money on Kia Cadenza insurance consists of being a good driver, having a good credit history, eliminating unneeded coverage, and possibly raising deductibles. Take the time to comparison shop every other policy renewal by getting quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.

The following list is a brief recap of the ideas that were touched on in the above illustrations.

• Drivers age 16 to 20 are expensive to insure, costing as high as $386 per month including comprehensive and collision insurance
• High-risk drivers who tend to receive serious violations pay an average of $1,380 more annually than a safer driver
• Increasing deductibles can save around $375 each year
• Drivers can save approximately $140 per year just by quoting online in advance