Kia Cadenza Insurance Rates

The average insurance prices for a Kia Cadenza are $1,192 every 12 months for full coverage insurance. Comprehensive costs on average $224, collision insurance costs $346, and liability is $464. Buying just liability costs around $514 a year, and insurance for high-risk drivers 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:

Rate estimates include $500 deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for all Cadenza models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on insurance rates. Rural areas are shown to have more infrequent physical damage claims than larger metro areas. The example below illustrates how location helps determine car insurance rates.

The examples above illustrate why everyone should compare rates quotes based on a specific location and their own driving history, instead of using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $704
• Raising to $1,000 deductibles will save around $130 each year
• The average price for a good driver age 40 with $500 deductibles is $1,192
• Choosing pricier low deductibles increases the price to $1,442
• At-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,574
• Policy cost to insure a teen driver for full coverage may cost $4,634

View Chart as Image

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

Choosing high deductibles can reduce rates by up to $380 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $417 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher 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, since even excellent drivers can expect 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 are probably paying at a minimum $1,400 to $2,000 extra every year, depending on your age. Kia Cadenza insurance for high-risk drivers is expensive and can cost as much as 43% to 131% more than average. View High Risk Driver Rates

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

View Chart as Image

How to Shop for the Best Kia Cadenza Insurance

Finding cheaper rates on car insurance consists of not taking risks behind the wheel, having good credit, being claim-free, and determing if full coverage is necessary. Invest time comparing rates at every policy renewal by requesting rates from direct insurance companies, and also from several local insurance agents.

The following is a brief recap of the data covered in the charts and tables above.

• Policyholders who require higher liability limits will pay about $510 annually to raise from a 30/60 limit to a 250/500 level
• It is possible to save as much as $140 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $375 each year
• Teens pay the highest rates, possibly costing $386 each month if they have full coverage