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 $1,218 annually for full coverage. Comprehensive insurance costs approximately $232 each year, collision costs $368, and liability costs $460. Buying just liability costs as little as $510 a year, with insurance for high-risk drivers costing $2,632 or more. 16-year-old drivers receive the highest rates at $4,716 a year or more.

Average premium for full coverage: $1,218

Rate estimates by individual coverage type:

Comprehensive $232
Collision $368
Liability $460

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and Cadenza models.

Price Range by Coverage and Risk

For a driver around age 40, prices range go from as cheap as $510 for just the minimum liability insurance to a high rate of $2,632 for a driver required to buy high-risk insurance.

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

Price Range by Location

Your location can make a big difference on car insurance rates. Rural locations tend to have fewer accident claims than congested cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

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

These examples show why all drivers should compare rates using their specific location and their own personal driving habits, 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 Analysis

The chart below shows estimated Kia Cadenza insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $717
  • Drivers who choose higher $1,000 deductibles will pay $136 a year
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,218
  • Buying low deductibles for comprehensive and collision insurance costs an additional $264 annually
  • Drivers with multiple tickets or accidents could pay around $2,632 or more
  • The cost with full coverage for a 16-year-old driver can cost $4,716 a year

View Chart as Image

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

Auto insurance rates for a Kia Cadenza can also vary considerably based on the trim level of your Cadenza, your driver profile, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,400 to $2,000 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost from 42% to 128% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $400 annually, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Kia Cadenza insurance prices. A 40-year-old driver could pay as low as $810 a year in states like Iowa, Maine, and Idaho, or at least $1,740 on average in New York, Louisiana, and Michigan.

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

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to do a rate comparison from multiple companies. Every company utilizes a different rate formula, and quoted rates can be significantly different between companies.

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 Buy the Best Kia Cadenza Insurance

Saving money on insurance for a Kia Cadenza not only requires having a decent driving record, but also having above-average credit, eliminating unneeded coverage, and not having any coverage lapses. Set aside time to compare rates at every policy renewal by requesting quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.

The following items are a brief recap of the data covered above.

  • Insureds who purchase additional liability coverage will pay around $510 each year to go from a minimum limit to higher 250/500 limits
  • Drivers can save around $140 per year simply by quoting online in advance
  • Increasing deductibles could save up to $400 each year
  • 16 to 18-year-old drivers have the highest car insurance rates, costing as high as $393 per month if full coverage is included

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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