Kia Cadenza Insurance Rates

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

Average premium for full coverage: $1,192

Policy rates broken down by type of insurance:

Includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and Cadenza models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than densely populated cities. The graphic below illustrates how location helps determine insurance prices.

The examples above illustrate why all drivers should compare rates for a targeted area, instead of making a decision based on 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 other coverage scenarios.

• The best discount rate is $704
• Drivers who choose higher $1,000 deductibles will pay approximately $130 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,192
• Using low deductibles for comprehensive and collision insurance will cost an additional $250 annually
• Drivers who are prone to accidents and violations could pay up to $2,574
• Policy cost that insures a 16-year-old driver can cost as much as $4,634 a year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are probably paying $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers can cost from 43% to 131% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay at least $4,600 a year. View Rates by Age

Your home state makes a big difference in Kia Cadenza insurance prices. A 40-year-old driver could pay 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 could save up to $380 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $417 more per year. View Rates by Deductible or Liability Limit

How to Find the Cheapest Kia Cadenza Insurance

Finding cheaper rates on insurance for a Kia Cadenza not only requires having a decent driving record, but also having above-average credit, being claim-free, and deciding if full coverage is necessary. Compare prices at every policy renewal by requesting rates from direct insurance companies, and also from local insurance agencies.

The following items are a recap of the data covered in the charts and tables above.

• Insureds who want additional liability coverage will pay an extra $510 annually to go from a 30/60 limit to the 250/500 level
• It is possible to save approximately $140 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $375 each year
• 16 to 18-year-old drivers are charged the highest rates, possibly costing $386 each month if full coverage is included