Kia Cadenza Insurance Rates

U.S. average insurance rates for a Kia Cadenza are $1,192 a year for full coverage insurance. Comprehensive costs around $224 a year, collision insurance costs $346, and liability coverage costs $464. A policy with just liability insurance costs as little as $514 a year, and coverage for high-risk drivers costs around $2,574. 16-year-old drivers pay the highest rates at up to $4,634 a year.

Average premium for full coverage: $1,192

Price estimates for individual coverage:

Prices include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and Cadenza trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than congested cities. The diagram below illustrates how location impacts auto insurance rates.

The ranges above illustrate why it is important to compare rates for a specific zip code, rather than using rate averages.

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

Additional Rate Information

The chart below illustrates average Kia Cadenza insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $704
• Drivers who choose higher $1,000 deductibles will pay about $1,062 each year
• The estimated price for the average middle-age driver using $500 deductibles is $1,192
• Buying low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,442
• High-risk insureds with multiple tickets or accidents could pay at least $2,574
• The price that insures a teenage driver can be $4,634 a year

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Insurance prices for a Kia Cadenza are also quite variable based on the trim level of your Cadenza, your age and driving record, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are probably paying at least $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy can cost around 43% to 131% more than the average rate. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay as much as $4,600 a year. View Rates by Age

The state you live in makes a big difference in Kia Cadenza insurance rates. A 40-year-old driver could pay as low as $780 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,610 on average in Michigan, New York, and Florida.

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Opting for high physical damage deductibles could save up to $380 a year, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $417 more per year. View Rates by Deductible or Liability Limit

How to Find the Right Kia Cadenza Insurance

Getting lower rates on auto insurance not only requires avoiding accidents and violations, but also having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Comparison shop every other policy renewal by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

The list below is a quick rundown of the ideas that were touched on above.

• Teenagers pay higher prices, as much as $386 a month if full coverage is included
• Drivers with reckless driving or DUI convictions could be forced to pay on average $1,380 more every year for car insurance
• Increasing physical damage deductibles can save approximately $375 each year
• It is possible to save up to $140 per year just by quoting early and online