Kia Cadenza Insurance Rates

U.S. average auto insurance rates for a Kia Cadenza are $1,192 annually for full coverage. Comprehensive insurance costs approximately $224 each year, collision insurance costs $346, and liability coverage costs around $464. Liability-only coverage costs as low as $514 a year, and high-risk coverage costs $2,574 or more. Teenage drivers 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 deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all states and Cadenza models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance rates. Rural locations have fewer accident claims than densely populated cities. The graphic below illustrates the effect of geographic area on auto insurance prices.

The ranges above show why all drivers should compare prices using their specific location and their own personal driving habits, rather than using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $704
• Using higher $1,000 deductibles will save $130 a year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,192
• Using low deductibles for physical damage coverage costs an additional $250 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,574
• The price with full coverage for a teenage driver can cost $4,634 or more

View Chart as Image

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

More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,400 to $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers can be around 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $380 a year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $417 extra every year. View Rates by Deductible or Liability Limit

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 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

How to Buy Low Cost Kia Cadenza Insurance

Getting lower rates on auto insurance requires not taking risks behind the wheel, having above-average credit, eliminating unnecessary coverage, and possibly higher deductibles. Take the time to compare rates every year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a review of the coverage data covered in the above illustrations.

• Drivers can save around $140 per year just by quoting online in advance
• Increasing physical damage deductibles could save up to $375 each year
• Teens have the highest car insurance prices, with premiums as much as $386 a month if full coverage is included
• Drivers who have several accidents or serious violations pay on average $1,380 more per year for Cadenza insurance