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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Estimated insurance rates for a Kia Cadenza are $1,192 a year including full coverage. Comprehensive costs approximately $224, collision insurance costs $346, and liability is estimated at $464. Liability-only coverage costs approximately $514 a year, and high-risk coverage costs around $2,574. 16-year-old drivers pay the most at up to $4,634 a year.
Average premium for full coverage: $1,192
Premium estimates by type of coverage:
Rates are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for all Cadenza models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Kia Cadenza range from the low end price of $514 for minimum levels of liability insurance to the much higher price of $2,574 for a high-risk driver policy.
Insurance Price Range by Location
Living in a larger city can make a big difference on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than congested cities. The example below illustrates how location helps determine auto insurance prices.
These rate differences highlight why everyone should get quotes using their specific location, instead of making a decision based on rate averages.
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.
Additional Rate Details
The chart below breaks down average Kia Cadenza insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $704
- Choosing higher $1,000 deductibles can save $130 every year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,192
- Buying pricier low deductibles for comp and collision coverage bumps up the cost to $1,442
- Higher-risk drivers with multiple tickets or accidents could pay around $2,574
- An auto insurance policy that insures a 16-year-old driver for full coverage can cost $4,634 each year
Insurance prices for a Kia Cadenza also have a wide range based on the model of your Cadenza, your driving record and age, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you are likely paying anywhere from $1,400 to $2,000 extra annually, depending on your age. Kia Cadenza insurance for high-risk drivers ranges from 43% to 131% more than the average rate. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $4,600 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Kia Cadenza insurance prices. A good driver about age 40 could pay as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,700 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,078 | -$114 | -9.6% |
| Alaska | $914 | -$278 | -23.3% |
| Arizona | $990 | -$202 | -16.9% |
| Arkansas | $1,192 | -$0 | 0.0% |
| California | $1,360 | $168 | 14.1% |
| Colorado | $1,140 | -$52 | -4.4% |
| Connecticut | $1,226 | $34 | 2.9% |
| Delaware | $1,350 | $158 | 13.3% |
| Florida | $1,492 | $300 | 25.2% |
| Georgia | $1,100 | -$92 | -7.7% |
| Hawaii | $858 | -$334 | -28.0% |
| Idaho | $806 | -$386 | -32.4% |
| Illinois | $890 | -$302 | -25.3% |
| Indiana | $898 | -$294 | -24.7% |
| Iowa | $806 | -$386 | -32.4% |
| Kansas | $1,134 | -$58 | -4.9% |
| Kentucky | $1,628 | $436 | 36.6% |
| Louisiana | $1,766 | $574 | 48.2% |
| Maine | $736 | -$456 | -38.3% |
| Maryland | $984 | -$208 | -17.4% |
| Massachusetts | $956 | -$236 | -19.8% |
| Michigan | $2,072 | $880 | 73.8% |
| Minnesota | $998 | -$194 | -16.3% |
| Mississippi | $1,428 | $236 | 19.8% |
| Missouri | $1,058 | -$134 | -11.2% |
| Montana | $1,282 | $90 | 7.6% |
| Nebraska | $940 | -$252 | -21.1% |
| Nevada | $1,430 | $238 | 20.0% |
| New Hampshire | $858 | -$334 | -28.0% |
| New Jersey | $1,332 | $140 | 11.7% |
| New Mexico | $1,056 | -$136 | -11.4% |
| New York | $1,256 | $64 | 5.4% |
| North Carolina | $688 | -$504 | -42.3% |
| North Dakota | $976 | -$216 | -18.1% |
| Ohio | $822 | -$370 | -31.0% |
| Oklahoma | $1,224 | $32 | 2.7% |
| Oregon | $1,092 | -$100 | -8.4% |
| Pennsylvania | $1,138 | -$54 | -4.5% |
| Rhode Island | $1,592 | $400 | 33.6% |
| South Carolina | $1,080 | -$112 | -9.4% |
| South Dakota | $1,008 | -$184 | -15.4% |
| Tennessee | $1,044 | -$148 | -12.4% |
| Texas | $1,438 | $246 | 20.6% |
| Utah | $884 | -$308 | -25.8% |
| Vermont | $818 | -$374 | -31.4% |
| Virginia | $714 | -$478 | -40.1% |
| Washington | $922 | -$270 | -22.7% |
| West Virginia | $1,092 | -$100 | -8.4% |
| Wisconsin | $826 | -$366 | -30.7% |
| Wyoming | $1,064 | -$128 | -10.7% |
Opting for high physical damage deductibles can save as much as $380 annually, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $417 more per year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Kia Cadenza | $270 | $474 | $452 | $1,354 |
| 2019 Kia Cadenza | $260 | $446 | $456 | $1,320 |
| 2018 Kia Cadenza | $248 | $400 | $460 | $1,266 |
| 2017 Kia Cadenza | $232 | $368 | $460 | $1,218 |
| 2016 Kia Cadenza | $224 | $346 | $464 | $1,192 |
| 2015 Kia Cadenza | $220 | $322 | $474 | $1,174 |
| 2014 Kia Cadenza | $202 | $300 | $474 | $1,134 |
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
Finding better rates on insurance for a Kia Cadenza takes being a safe and courteous driver, having above-average credit, refrain from filing small claims, and possibly raising deductibles. Comparison shop every time your policy renews by requesting quotes from direct car insurance companies, and also from local auto insurance providers.
Below is a quick review of the information covered in the charts and tables above.
- You may be able to save around $140 per year just by quoting online well ahead of the renewal date
- Teenage drivers are expensive to insure, with the cost nearing $386 per month if full coverage is included
- Increasing policy deductibles can save approximately $375 each year
- Drivers considered higher risk with a DUI or reckless driving violation will likely pay on average $1,380 more per year for auto insurance
- Insureds who purchase higher levels of liability will pay around $510 per year to raise limits from 30/60 bodily injury limits to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,634 |
| 20 | $2,734 |
| 30 | $1,226 |
| 40 | $1,192 |
| 50 | $1,092 |
| 60 | $1,070 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,442 |
| $250 | $1,326 |
| $500 | $1,192 |
| $1,000 | $1,062 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,192 |
| 50/100 | $1,285 |
| 100/300 | $1,401 |
| 250/500 | $1,702 |
| 100 CSL | $1,331 |
| 300 CSL | $1,586 |
| 500 CSL | $1,772 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,568 |
| 20 | $4,358 |
| 30 | $2,612 |
| 40 | $2,574 |
| 50 | $2,458 |
| 60 | $2,434 |
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 | $62 |
| Multi-vehicle | $64 |
| Homeowner | $20 |
| 5-yr Accident Free | $80 |
| 5-yr Claim Free | $76 |
| Paid in Full/EFT | $48 |
| Advance Quote | $55 |
| Online Quote | $83 |
| Total Discounts | $488 |
Discounts are estimated and may not be available from every company or in every state.
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