Kia Cadenza Insurance Rates

Estimated insurance rates for a Kia Cadenza are $1,218 a year for full coverage. Comprehensive insurance costs an estimated $232 a year, collision insurance costs $368, and liability insurance is estimated at $460. A policy with only liability insurance costs approximately $510 a year, and a high-risk policy costs $2,632 or more. Teenage drivers pay the most at up to $4,716 a year.

Average premium for full coverage: $1,218

Premium estimates broken down by type of coverage:

Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all states and Cadenza trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than densely populated cities. The diagram below illustrates how your location can change insurance prices.

These rate differences show why it is important to get quotes for a targeted area and risk profile, rather than relying on average rates.

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

More Rate Details

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

• The best discount rate is $717
• Choosing higher $1,000 deductibles can save approximately $1,082 a year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,218
• Using low $100 deductibles for comp and collision coverage will cost an extra $264 a year
• High-risk insureds who are prone to accidents and violations could pay up to $2,632
• An auto insurance policy for full coverage for a teen driver can cost as much as $4,716 each year

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Car insurance prices for a Kia Cadenza also have a wide range based on your driving characteristics, the trim level of your Cadenza, and liability limits and deductibles.

Older drivers with no driving violations and high 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, where even good drivers will be charged at least $4,700 a year. View Rates by Age

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 $810 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,740 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $400 each year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying $1,400 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 128% more than a normal policy. View High Risk Driver Rates

How to Find the Best Kia Cadenza Insurance

Finding better rates on Kia Cadenza insurance takes avoiding accidents and violations, having above-average credit, not filing small claims, and possibly higher deductibles. Invest the time to shop around every couple of years by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The list below is a brief recap of the material that was illustrated above.

• Drivers who want higher liability limits will pay an extra $510 each year to raise limits from 30/60 bodily injury limits to 250/500 limits
• Teenagers have the highest car insurance prices, as much as $393 per month if full coverage is included
• High-risk drivers who tend to receive serious violations pay an average of $1,410 more annually for car insurance
• Increasing policy deductibles can save around $400 each year