Kia Cadenza Insurance Rates

U.S. average insurance rates for a Kia Cadenza are $1,192 a year for full coverage insurance. Comprehensive insurance costs approximately $224 a year, collision insurance costs $346, and liability coverage is $464. Liability-only coverage costs around $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:

Price estimates include $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and Cadenza trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations have lower incidents of physical damage claims than densely populated cities. The diagram below illustrates how location impacts auto insurance prices.

The ranges above illustrate why it is important to compare rates quotes using their specific location, rather than using average rates.

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

Additional Rate Details

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

• The best discount rate is $704
• Raising to $1,000 deductibles will save $1,062 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,192
• Using low $100 deductibles will cost an additional $250 each year
• Unlucky drivers who are prone to accidents and violations could pay around $2,574
• The price that insures a teenage driver can cost $4,634

View Chart as Image

Auto insurance prices for a Kia Cadenza are also quite variable based on the trim level of your Cadenza, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,400 to $2,000 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,600 a year. View Rates by Age

The state you live in also has a big influence on Kia Cadenza insurance rates. A middle-age driver might find prices as low as $780 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,610 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $380 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $417 extra every year. View Rates by Deductible or Liability Limit

How to Find Cheaper Kia Cadenza Insurance

Getting lower rates on auto insurance consists of being safe and accident-free, maintaining a good credit score, not filing small claims, and possibly higher deductibles. Compare prices every couple of years by obtaining price quotes from direct insurance companies, and also from your local car insurance providers.

Below you'll find a condensed summary of the material that was touched on above.

• Consumers who purchase more liability protection will pay an extra $510 annually to raise from a low limit to the 250/500 level
• Youthful drivers have the highest car insurance prices, as much as $386 a month if the policy includes full coverage
• Drivers with multiple at-fault accidents could be charged and average of $1,380 more per year than a low-risk driver
• Increasing physical damage deductibles can save approximately $375 each year