Kia Cadenza Insurance Rates

The average insurance prices for a Kia Cadenza are $1,192 every 12 months with full coverage. Comprehensive costs on average $224 a year, collision insurance costs $346, and liability insurance costs $464. Liability-only coverage costs as little as $514 a year, and high-risk coverage 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:

Full coverage includes $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Cadenza trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on auto insurance rates. Rural areas are shown to have more infrequent collision claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The examples above demonstrate why it is important to compare rates based on a specific location and their own driving history, rather than relying on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $704
• Drivers who choose higher $1,000 deductibles will pay around $1,062 annually
• The average price for a good driver age 40 with $500 deductibles is $1,192
• Choosing low $100 deductibles for comprehensive and collision insurance increases the price to $1,442
• High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,574
• Policy cost to insure a teen driver may cost $4,634 a year

View Chart as Image

Insurance rates for a Kia Cadenza also range considerably based on liability limits and deductibles, your driving record, and the trim level of your Cadenza.

Choosing high deductibles could save up to $380 each year, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $417 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,400 to $2,000 additional every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 131% more than average. View High Risk Driver Rates

Your home state 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 as much as $1,610 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for More Affordable Kia Cadenza Insurance

Finding cheaper rates on Kia Cadenza insurance not only requires being safe and accident-free, but also having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Set aside time to compare rates every couple of years by getting rate quotes from direct companies, and also from local exclusive and independent agents.

Below you'll find a summary of the material that was covered above.

• Drivers who require more liability protection will pay about $510 every year to go from a 30/60 limit to a 250/500 level
• Youthful drivers pay higher rates, as much as $386 each month if full coverage is included
• High-risk drivers who have multiple accidents or major violations may pay on average $1,380 more each year than a low-risk driver
• Increasing comprehensive and collision deductibles could save as much as $375 each year