Kia Cadenza Insurance Rates

Estimated insurance prices for a Kia Cadenza are $1,192 every 12 months with full coverage. Comprehensive insurance costs an estimated $224 each year, collision insurance costs $346, and liability insurance is estimated at $464. Liability-only insurance costs approximately $514 a year, and high-risk driver insurance costs $2,574 or more. Teenage drivers pay the most at up to $4,634 a year.

Average premium for full coverage: $1,192

Premium estimates broken down by type of coverage:

Prices are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and Cadenza models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than densely populated cities. The graphic below illustrates the difference location can make on insurance prices.

These rate differences demonstrate why all drivers should get quotes for a targeted area and their own driving history, rather than relying on average rates.

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

Additional Rate Information

The chart below details average Kia Cadenza insurance rates for other coverage scenarios.

• The best discount rate is $704
• Choosing higher $1,000 deductibles can save approximately $130 annually
• The average price for a 40-year-old good driver who has $500 deductibles is $1,192
• Using low deductibles for comp and collision coverage costs an extra $250 a year
• High-risk insureds who are prone to accidents and violations could pay up to $2,574
• An auto insurance policy to insure a teen driver can cost as much as $4,634 each year

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Insurance prices for a Kia Cadenza also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.

Using high physical damage deductibles can save as much as $380 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $417 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay at least $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,400 to $2,000 additional annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Kia Cadenza insurance rates. A good driver about age 40 could pay as low as $860 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,610 on average in New York, Michigan, and Florida.

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How to Shop for Affordable Kia Cadenza Insurance

Finding better rates on Kia Cadenza insurance takes being a low-risk driver, having above-average credit, being claim-free, and possibly raising deductibles. Make time to compare rates every year by getting quotes from direct companies, and also from your local independent and exclusive agents.

The items below are a brief review of the coverage data touched on in this article.

• You may be able to save approximately $140 per year just by quoting online in advance
• Increasing policy deductibles could save as much as $375 each year
• Teen drivers are expensive to insure, possibly costing $386 per month if full coverage is included
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,380 more annually to insure their Cadenza