Kia Cadenza Insurance Rates

U.S. average insurance rates for a Kia Cadenza are $1,192 a year for full coverage. Comprehensive insurance costs around $224, collision insurance costs $346, and liability coverage costs around $464. A policy with just liability insurance costs as low as $514 a year, and coverage for high-risk drivers costs $2,574 or more. 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:

Estimates include $500 deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and for different Cadenza trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on auto insurance rates. Areas with sparse population have lower incidents of accident claims than congested cities. The price range example below illustrates the effect of geographic area on auto insurance rates.

The ranges above show why anyone shopping for car insurance should compare prices for a specific zip code, rather than using rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $704
• Using higher $1,000 deductibles will save about $130 a year
• The estimated price for the average middle-age driver using $500 deductibles is $1,192
• Buying more expensive low deductibles for physical damage coverage will cost an additional $250 each year
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,574
• The price that insures a teenage driver with full coverage can be $4,634 or more

View Chart as Image

Insurance prices for a Kia Cadenza are also quite variable based on the model year and trim level, how you drive, and deductibles and policy limits.

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

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,100 a year 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 has a huge impact on Kia Cadenza insurance rates. A driver around age 40 might see prices as low as $790 a year in states like Idaho, Maine, and Iowa, or at least $1,700 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $380 a year, while increasing your policy's liability limits will increase prices. Going 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 Low Cost Kia Cadenza Insurance

Getting lower rates on auto insurance requires not taking risks behind the wheel, having above-average credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Comparison shop every couple of years by requesting rates from direct carriers, and also from several local insurance agents.

The following is a review of the material that was covered in the above illustrations.

• Consumers who may need higher liability limits will pay around $510 each year to increase from a low limit to the 250/500 level
• Teens pay higher prices, with premiums as much as $386 a month if full coverage is included
• Drivers who have several accidents or serious violations pay on average $1,380 more every year for Cadenza insurance
• Increasing physical damage deductibles can save approximately $375 each year