Kia Cadenza Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 27, 2024
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Average insurance rates for a Kia Cadenza are $1,218 a year with full coverage. Comprehensive insurance costs around $232, collision insurance costs $368, and liability coverage is estimated at $460. A liability-only policy costs approximately $510 a year, and high-risk insurance costs $2,632 or more. Teenage drivers receive the highest rates at up to $4,716 a year.
Average premium for full coverage: $1,218
Rate estimates for individual coverage type:
Rates are based on $500 deductible amounts, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for all Cadenza models.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from the low end price of $510 for just liability coverage to the much higher price of $2,632 for a high-risk insurance policy.
Price Range by Location
Living in a larger city has a large influence on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than densely populated cities. The example below illustrates the difference between rural and urban areas on auto insurance rates.
These examples demonstrate why everyone should get quotes for a specific zip code, 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.
Detailed Rate Analysis
The chart below details average Kia Cadenza insurance rates for additional coverage choices and driver risks.
- The best discount rate is $717
- Choosing higher $1,000 deductibles can save about $136 annually
- The estimated price for a 40-year-old driver using $500 deductibles is $1,218
- Using pricier low deductibles for comp and collision coverage will cost an additional $264 each year
- Drivers who are prone to accidents and violations could pay at least $2,632
- The cost that insures a teenage driver for full coverage can be $4,716 each year
Insurance rates for a Kia Cadenza can also vary considerably based on the model of your Cadenza, your age and driving habits, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you may be forking out at least $1,400 to $2,000 extra per year, depending on your age. Kia Cadenza insurance for high-risk drivers ranges around 42% to 128% more than a normal policy. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,100 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay as much as $4,700 a year. View Rates by Age
Where you live plays a big part in determining prices for Kia Cadenza insurance rates. A good driver about age 40 could pay as low as $880 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,650 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,102 | -$116 | -9.5% |
| Alaska | $934 | -$284 | -23.3% |
| Arizona | $1,014 | -$204 | -16.7% |
| Arkansas | $1,218 | -$0 | 0.0% |
| California | $1,390 | $172 | 14.1% |
| Colorado | $1,166 | -$52 | -4.3% |
| Connecticut | $1,254 | $36 | 3.0% |
| Delaware | $1,380 | $162 | 13.3% |
| Florida | $1,524 | $306 | 25.1% |
| Georgia | $1,124 | -$94 | -7.7% |
| Hawaii | $876 | -$342 | -28.1% |
| Idaho | $826 | -$392 | -32.2% |
| Illinois | $908 | -$310 | -25.5% |
| Indiana | $918 | -$300 | -24.6% |
| Iowa | $822 | -$396 | -32.5% |
| Kansas | $1,158 | -$60 | -4.9% |
| Kentucky | $1,664 | $446 | 36.6% |
| Louisiana | $1,804 | $586 | 48.1% |
| Maine | $754 | -$464 | -38.1% |
| Maryland | $1,006 | -$212 | -17.4% |
| Massachusetts | $976 | -$242 | -19.9% |
| Michigan | $2,118 | $900 | 73.9% |
| Minnesota | $1,020 | -$198 | -16.3% |
| Mississippi | $1,460 | $242 | 19.9% |
| Missouri | $1,080 | -$138 | -11.3% |
| Montana | $1,310 | $92 | 7.6% |
| Nebraska | $962 | -$256 | -21.0% |
| Nevada | $1,462 | $244 | 20.0% |
| New Hampshire | $880 | -$338 | -27.8% |
| New Jersey | $1,364 | $146 | 12.0% |
| New Mexico | $1,080 | -$138 | -11.3% |
| New York | $1,284 | $66 | 5.4% |
| North Carolina | $702 | -$516 | -42.4% |
| North Dakota | $998 | -$220 | -18.1% |
| Ohio | $842 | -$376 | -30.9% |
| Oklahoma | $1,252 | $34 | 2.8% |
| Oregon | $1,118 | -$100 | -8.2% |
| Pennsylvania | $1,164 | -$54 | -4.4% |
| Rhode Island | $1,628 | $410 | 33.7% |
| South Carolina | $1,104 | -$114 | -9.4% |
| South Dakota | $1,028 | -$190 | -15.6% |
| Tennessee | $1,068 | -$150 | -12.3% |
| Texas | $1,470 | $252 | 20.7% |
| Utah | $902 | -$316 | -25.9% |
| Vermont | $834 | -$384 | -31.5% |
| Virginia | $730 | -$488 | -40.1% |
| Washington | $944 | -$274 | -22.5% |
| West Virginia | $1,118 | -$100 | -8.2% |
| Wisconsin | $844 | -$374 | -30.7% |
| Wyoming | $1,088 | -$130 | -10.7% |
Using high physical damage deductibles can save as much as $400 a year, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Kia Cadenza | $282 | $512 | $442 | $1,394 |
| 2019 Kia Cadenza | $270 | $474 | $452 | $1,354 |
| 2018 Kia Cadenza | $260 | $446 | $456 | $1,320 |
| 2017 Kia Cadenza | $248 | $400 | $460 | $1,266 |
| 2016 Kia Cadenza | $232 | $368 | $460 | $1,218 |
| 2015 Kia Cadenza | $224 | $346 | $464 | $1,192 |
| 2014 Kia Cadenza | $220 | $322 | $474 | $1,174 |
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 Find the Best Cheap Kia Cadenza Insurance
Saving money on auto insurance takes having a good driving record, having above-average credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Compare prices at least every other year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The next list is a quick review of the car insurance concepts covered above.
- Drivers with a DUI or reckless driving violation may pay on average $1,410 more every year to buy Kia Cadenza insurance
- You may be able to save up to $140 per year just by quoting online well ahead of the renewal date
- Increasing deductibles can save approximately $400 each year
- Consumers who may need increased levels of liability coverage will pay an extra $510 every year to raise limits from a minimum limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,716 |
| 20 | $2,800 |
| 30 | $1,256 |
| 40 | $1,218 |
| 50 | $1,116 |
| 60 | $1,094 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,482 |
| $250 | $1,360 |
| $500 | $1,218 |
| $1,000 | $1,082 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,218 |
| 50/100 | $1,310 |
| 100/300 | $1,425 |
| 250/500 | $1,724 |
| 100 CSL | $1,356 |
| 300 CSL | $1,609 |
| 500 CSL | $1,793 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,688 |
| 20 | $4,460 |
| 30 | $2,674 |
| 40 | $2,632 |
| 50 | $2,516 |
| 60 | $2,492 |
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 | $64 |
| Multi-vehicle | $65 |
| Homeowner | $20 |
| 5-yr Accident Free | $82 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $50 |
| Advance Quote | $57 |
| Online Quote | $85 |
| Total Discounts | $501 |
Discounts are estimated and may not be available from every company or in every state.
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