Kia Cadenza Insurance Rates

The average auto insurance rates for a Kia Cadenza are $1,218 annually for full coverage. Comprehensive insurance costs an estimated $232 a year, collision insurance costs $368, and liability is $460. Buying just liability costs around $510 a year, and insurance for high-risk drivers costs $2,632 or more. Teen drivers cost the most to insure at up to $4,716 a year.

Average premium for full coverage: $1,218

Policy rates broken down by type of insurance:

Estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and Cadenza trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on insurance rates. More rural locations are shown to have fewer accident claims than larger metro areas. The diagram below illustrates the effect of geographic area on insurance prices.

The examples above show why it is important to compare rates quotes for a targeted area and their own personal driving habits, instead of using price averages.

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

More Rate Information

The chart below shows average Kia Cadenza insurance rates for other coverage scenarios.

• The lowest rate with discounts is $717
• Raising to $1,000 deductibles will save approximately $1,082 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,218
• Choosing low $100 deductibles costs an additional $264 every year
• At-risk drivers with multiple violations and an at-fault accident could pay up to $2,632
• Policy cost with full coverage for a teen driver can cost as much as $4,716

View Chart as Image

Insurance rates for a Kia Cadenza also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay at least $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 128% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $400 every year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Kia Cadenza insurance prices. A middle-age driver might find rates as low as $810 a year in states like Iowa, Maine, and Idaho, or as much as $1,740 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Buy Low Cost Kia Cadenza Insurance

Finding cheaper rates on car insurance consists of being a low-risk driver, having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates every year by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a review of the coverage data covered in the above illustrations.

• Drivers can save approximately $140 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $400 each year
• Teen drivers are charged the highest rates, costing up to $393 each month including comprehensive and collision insurance
• Higher risk drivers who have several accidents or serious violations may pay on average $1,410 more annually to insure their Cadenza