Kia Cadenza Insurance Rates

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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:

Comprehensive $232
Collision $368
Liability $460

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.

Liability Only $510
Full Coverage $1,218
High Risk $2,632

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.

Rural Areas $914
Small Cities $1,279
Large Cities $1,644

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

View Chart as Image

Kia Cadenza insurance cost comparison chart
Column chart showing Kia Cadenza insurance prices range from $717 to $4,716 for full coverage

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.

Kia Cadenza Insurance Rates by State
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%

View Chart as Image

Kia Cadenza insurance rates by U.S. city

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

Kia Cadenza Insurance Rates by Model Year
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

Rates by Driver Age

Kia Cadenza Insurance 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

Kia Cadenza Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,482
$250 $1,360
$500 $1,218
$1,000 $1,082

Full coverage, driver age 40

Rates by Liability Limit

Kia Cadenza Insurance Rates with Different Liability Limits
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

Kia Cadenza Insurance 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.

SR-22 Surcharge $167

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
Rate after discounts $717

Discounts are estimated and may not be available from every company or in every state.

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