Kia Cadenza Insurance Rates

The average insurance rates for a Kia Cadenza are $1,192 a year for full coverage. Comprehensive costs approximately $224 a year, collision insurance costs $346, and liability is estimated at $464. Buying just liability costs approximately $514 a year, and insurance for high-risk drivers costs around $2,574. Teen drivers cost the most to insure at up to $4,634 a year.

Average premium for full coverage: $1,192

Policy rates by type of insurance:

Includes $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Cadenza trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than larger metro areas. The diagram below illustrates how location helps determine auto insurance prices.

The examples above show why it is important to get quotes using their specific location and risk profile, instead of making a decision based on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $704
• Choosing higher $1,000 deductibles can save $1,062 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,192
• Choosing low $100 deductibles for comp and collision coverage will increase the cost to $1,442
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,574
• Policy cost for full coverage for a 16-year-old driver can cost $4,634 each year

View Chart as Image

Insurance rates for a Kia Cadenza also range considerably based on your risk profile, the trim level of your Cadenza, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Kia Cadenza insurance prices. A good driver about age 40 could pay as low as $790 a year in states like Iowa, Maine, and Idaho, or as much as $1,700 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $380 annually, while buying higher liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $417 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy ranges from 43% to 131% more than average. View High Risk Driver Rates

How to Find the Cheapest Kia Cadenza Insurance

Finding cheaper rates on insurance for a Kia Cadenza takes being safe and accident-free, maintaining good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest time comparing rates every year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a recap of the coverage data covered in the charts and tables above.

• Drivers can save around $140 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $375 each year
• Youthful drivers are expensive to insure, costing up to $386 each month for full coverage
• Drivers considered higher risk that have major violations or accidents may pay on average $1,380 more per year than a low-risk driver