Kia Cadenza Insurance Rates

Average insurance prices for a Kia Cadenza are $1,192 every 12 months with full coverage. Comprehensive costs around $224 each year, collision insurance costs $346, and liability insurance costs $464. Buying just liability costs as little as $514 a year, and insurance for high-risk drivers costs around $2,574. Teenage drivers receive the highest rates at up to $4,634 a year.

Average premium for full coverage: $1,192

Rate estimates for individual coverage type:

These estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and Cadenza models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on insurance rates. Areas with sparse population tend to have more infrequent collision claims than densely populated cities. The graphic below illustrates the effect of geographic area on auto insurance rates.

These examples demonstrate why all drivers should compare rates for a specific zip code and their own driving history, rather than relying on average rates.

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

Rate Comparisons

The chart below details average Kia Cadenza insurance rates for additional coverage choices and driver risks.

• The best discount rate is $704
• Drivers who choose higher $1,000 deductibles will pay about $130 annually
• The average price for a 40-year-old driver using $500 deductibles is $1,192
• Using low deductibles for comprehensive and collision insurance increases the price to $1,442
• High risk drivers who are prone to accidents and violations could pay at least $2,574
• The cost to insure a teen driver can be $4,634 a year

View Chart as Image

Auto insurance rates for a Kia Cadenza can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.

Using high physical damage deductibles could save up to $380 each year, whereas increasing liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $417 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles could pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay as much as $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,400 to $2,000 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

Where you 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 New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,610 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for Cheap Kia Cadenza Insurance

Saving money on Kia Cadenza insurance not only requires avoiding accidents and claims, but also having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Take the time to compare rates once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a brief summary of the data that was covered in the above illustrations.

• You may be able to save up to $140 per year just by quoting online in advance
• Drivers who may need increased liability limits will pay an extra $510 every year to go from a minimum limit to a 250/500 level
• Drivers under the age of 20 are expensive to insure, with premiums as much as $386 per month if comprehensive and collision insurance is included
• High-risk drivers that tend to have accidents or serious violations pay on average $1,380 more every year to insure a Kia Cadenza