Kia Cadenza Insurance Rates
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UPDATED: May 27, 2024
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Average auto insurance rates for a Kia Cadenza are $1,266 annually with full coverage. Comprehensive costs around $248, collision insurance costs $400, and liability coverage costs $460. A liability-only policy costs as little as $510 a year, and high-risk insurance costs around $2,736. Teenage drivers receive the highest rates at up to $4,866 a year.
Average premium for full coverage: $1,266
Rate estimates for individual coverage type:
Estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all Cadenza models.
Price Range by Coverage and Risk
For the normal driver, prices range range from as cheap as $510 for just liability insurance to the much higher price of $2,736 for a driver that may need high-risk insurance.
Price Range by Location
Your location has a large influence on insurance rates. Areas with sparse population tend to have fewer collision claims than densely populated cities. The example below illustrates how geographic area affects auto insurance rates.
These examples demonstrate why everyone should compare rates for a specific zip code and their own personal driving habits, rather than using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below details average Kia Cadenza insurance rates for additional coverage choices and driver risks.
- The best discount rate is $743
- Drivers who choose higher $1,000 deductibles will pay about $146 annually
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,266
- Using pricier low deductibles for comprehensive and collision insurance will cost $1,550
- High-risk insureds who are prone to accidents and violations could pay at least $2,736
- The cost with full coverage for a teenage driver for full coverage can be $4,866 a year
Insurance rates for a Kia Cadenza can also vary considerably based on the trim level of your Cadenza, your driving record, and deductibles and policy limits.
A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay as much as $4,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at least $1,500 to $2,100 extra per year, depending on your age. Kia Cadenza insurance for high-risk drivers can cost around 43% to 132% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $430 a year, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Kia Cadenza insurance rates. A 40-year-old driver could pay as low as $910 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,710 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,146 | -$120 | -9.5% |
| Alaska | $972 | -$294 | -23.2% |
| Arizona | $1,052 | -$214 | -16.9% |
| Arkansas | $1,266 | -$0 | 0.0% |
| California | $1,444 | $178 | 14.1% |
| Colorado | $1,212 | -$54 | -4.3% |
| Connecticut | $1,304 | $38 | 3.0% |
| Delaware | $1,436 | $170 | 13.4% |
| Florida | $1,586 | $320 | 25.3% |
| Georgia | $1,170 | -$96 | -7.6% |
| Hawaii | $910 | -$356 | -28.1% |
| Idaho | $858 | -$408 | -32.2% |
| Illinois | $944 | -$322 | -25.4% |
| Indiana | $954 | -$312 | -24.6% |
| Iowa | $854 | -$412 | -32.5% |
| Kansas | $1,204 | -$62 | -4.9% |
| Kentucky | $1,730 | $464 | 36.7% |
| Louisiana | $1,876 | $610 | 48.2% |
| Maine | $784 | -$482 | -38.1% |
| Maryland | $1,046 | -$220 | -17.4% |
| Massachusetts | $1,014 | -$252 | -19.9% |
| Michigan | $2,202 | $936 | 73.9% |
| Minnesota | $1,062 | -$204 | -16.1% |
| Mississippi | $1,518 | $252 | 19.9% |
| Missouri | $1,124 | -$142 | -11.2% |
| Montana | $1,362 | $96 | 7.6% |
| Nebraska | $1,000 | -$266 | -21.0% |
| Nevada | $1,520 | $254 | 20.1% |
| New Hampshire | $914 | -$352 | -27.8% |
| New Jersey | $1,418 | $152 | 12.0% |
| New Mexico | $1,122 | -$144 | -11.4% |
| New York | $1,336 | $70 | 5.5% |
| North Carolina | $730 | -$536 | -42.3% |
| North Dakota | $1,038 | -$228 | -18.0% |
| Ohio | $876 | -$390 | -30.8% |
| Oklahoma | $1,304 | $38 | 3.0% |
| Oregon | $1,162 | -$104 | -8.2% |
| Pennsylvania | $1,210 | -$56 | -4.4% |
| Rhode Island | $1,692 | $426 | 33.6% |
| South Carolina | $1,148 | -$118 | -9.3% |
| South Dakota | $1,070 | -$196 | -15.5% |
| Tennessee | $1,110 | -$156 | -12.3% |
| Texas | $1,528 | $262 | 20.7% |
| Utah | $938 | -$328 | -25.9% |
| Vermont | $868 | -$398 | -31.4% |
| Virginia | $760 | -$506 | -40.0% |
| Washington | $982 | -$284 | -22.4% |
| West Virginia | $1,162 | -$104 | -8.2% |
| Wisconsin | $878 | -$388 | -30.6% |
| Wyoming | $1,130 | -$136 | -10.7% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Kia Cadenza | $298 | $530 | $430 | $1,416 |
| 2019 Kia Cadenza | $282 | $512 | $442 | $1,394 |
| 2018 Kia Cadenza | $270 | $474 | $452 | $1,354 |
| 2017 Kia Cadenza | $260 | $446 | $456 | $1,320 |
| 2016 Kia Cadenza | $248 | $400 | $460 | $1,266 |
| 2015 Kia Cadenza | $232 | $368 | $460 | $1,218 |
| 2014 Kia Cadenza | $224 | $346 | $464 | $1,192 |
Rates are averaged for all Kia Cadenza models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Low Cost Kia Cadenza Insurance
Saving money on auto insurance not only requires being a low-risk driver, but also having a good credit history, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to compare rates once a year by getting quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
The items below are a review of the data that was presented in the illustrations above.
- You may be able to save up to $150 per year just by quoting online well ahead of the renewal date
- Consumers who may need more liability coverage will pay an extra $510 every year to go from a minimum limit to higher 250/500 limits
- Teen drivers pay higher rates, with premiums as much as $406 per month including comprehensive and collision insurance
- Drivers who have several accidents or serious violations may pay on average $1,470 more every year to insure their Cadenza
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,866 |
| 20 | $2,910 |
| 30 | $1,310 |
| 40 | $1,266 |
| 50 | $1,160 |
| 60 | $1,136 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,550 |
| $250 | $1,420 |
| $500 | $1,266 |
| $1,000 | $1,120 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,266 |
| 50/100 | $1,358 |
| 100/300 | $1,473 |
| 250/500 | $1,772 |
| 100 CSL | $1,404 |
| 300 CSL | $1,657 |
| 500 CSL | $1,841 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,912 |
| 20 | $4,638 |
| 30 | $2,784 |
| 40 | $2,736 |
| 50 | $2,616 |
| 60 | $2,592 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $66 |
| Multi-vehicle | $67 |
| Homeowner | $20 |
| 5-yr Accident Free | $87 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $53 |
| Advance Quote | $60 |
| Online Quote | $89 |
| Total Discounts | $523 |
Discounts are estimated and may not be available from every company or in every state.
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