Kia Cadenza Insurance Rates

The average auto insurance rates for a Kia Cadenza are $1,192 annually with full coverage. Comprehensive costs on average $224 a year, collision insurance costs $346, and liability costs around $464. Liability-only coverage costs as low as $514 a year, and high-risk coverage costs around $2,574. 16-year-old 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 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Cadenza trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Rural areas are shown to have fewer collision claims than congested cities. The diagram below illustrates how geographic area affects car insurance rates.

The examples above demonstrate why it is important to compare prices based on a specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $704
• Using higher $1,000 deductibles will save around $1,062 annually
• The estimated rate for a good driver age 40 with $500 deductibles is $1,192
• Buying low $100 deductibles for physical damage coverage will cost $1,442
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,574
• Policy cost with full coverage for a 16-year-old driver may cost $4,634 or more

View Chart as Image

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

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they 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 caused a few accidents, 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 be from 43% to 131% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $380 annually, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $417 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Kia Cadenza insurance prices. A driver around age 40 might see rates as low as $860 a year in states like New Hampshire, Ohio, and Utah, or at least $1,610 on average in Florida, Michigan, and New York.

View Chart as Image

How to Buy More Affordable Kia Cadenza Insurance

Finding cheaper rates on insurance for a Kia Cadenza requires having a good driving record, having good credit, not filing small claims, and dropping full coverage on older vehicles. Invest the time to compare rates every other policy renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The next list is a summary of the ideas that were presented in the illustrations above.

• Drivers age 20 and younger pay higher rates, as much as $386 each month if they have full coverage
• Drivers considered higher risk who have multiple accidents or major violations pay an average of $1,380 more each year to buy Kia Cadenza insurance
• Increasing comprehensive and collision deductibles could save up to $375 each year
• You may be able to save as much as $140 per year just by quoting early and online