Kia Cadenza Insurance Rates

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UPDATED: May 27, 2024

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The average auto insurance rates for a Kia Cadenza are $1,192 annually with full coverage. Comprehensive insurance costs around $224 a year, collision costs $346, and liability costs $464. Buying just liability costs as little as $514 a year, with insurance for high-risk drivers costing $2,574 or more. Teens cost the most to insure at $4,634 a year or more.

Average premium for full coverage: $1,192

Policy rates for type of insurance:

Comprehensive $224
Collision $346
Liability $464

Price estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and Cadenza trim levels.

Price Range Variability

For the average driver, Kia Cadenza insurance rates go from as cheap as $514 for a discount liability-only rate to a high of $2,574 for high-risk insurance.

Liability Only $514
Full Coverage $1,192
High Risk $2,574

Urban vs. Rural Price Range

Your location can make a big difference on insurance rates. Areas with sparse population are shown to have fewer collision claims than cities with more traffic congestion.

The diagram below illustrates how location impacts auto insurance rates.

Rural Areas $894
Small Cities $1,252
Large Cities $1,609

The examples above demonstrate why it is important to compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.

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.

Rates by State, City, and Model

The chart below details estimated Kia Cadenza insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $704
  • Drivers who choose higher $1,000 deductibles will pay about $1,062 annually
  • The estimated rate for a good driver age 40 using $500 deductibles is $1,192
  • Selecting low $100 deductibles for comprehensive and collision insurance costs an additional $250 annually
  • Drivers with serious driving violations could pay at least $2,574 or more
  • Policy cost with full coverage for a 16-year-old driver can be $4,634 a year

View Chart as Image

Kia Cadenza insurance cost comparison chart
Column chart showing full coverage Kia Cadenza insurance prices range from $704 to $4,634

Insurance rates for a Kia Cadenza also range considerably based on the model year and trim level, your driving record, and deductibles and policy limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay as much as $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at least $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can cost from 43% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $380 annually, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $417 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Kia Cadenza insurance prices. A 40-year-old driver could pay as low as $860 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,610 on average in Florida, Michigan, and New York.

Kia Cadenza Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,078 -$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%

View Chart as Image

Kia Cadenza insurance rates by U.S. city

Because rates have so much variability, the best way to find out your exact price is to get quotes from multiple companies. Every company calculates rates differently, so the rates will be varied between companies.

Kia Cadenza Insurance Rates by Model Year
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 Buy Cheaper Kia Cadenza Insurance

Finding cheaper rates on insurance for a Kia Cadenza not only requires being a good driver, but also having a good credit history, not filing small claims, and insuring your home and auto with the same company. Spend time shopping around every couple of years by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a condensed summary of the material that was touched on above.

  • Insureds who may need an increased level of liability coverage will pay approximately $510 every year to go from a 30/60 limit to higher 250/500 limits
  • Drivers age 16 to 20 pay higher rates, as much as $386 each month including comprehensive and collision insurance
  • Drivers considered higher risk with multiple at-fault accidents may pay on average $1,380 more every year than a safer driver
  • Increasing comprehensive and collision deductibles could save up to $375 each year

Rates by Driver Age

Kia Cadenza Insurance 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

Kia Cadenza Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,442
$250 $1,326
$500 $1,192
$1,000 $1,062

Full coverage, driver age 40

Rates by Liability Limit

Kia Cadenza Insurance Rates with Different Liability Limits
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

Kia Cadenza Insurance 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.

SR-22 Surcharge $163

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
Rate after discounts $704

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

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