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

Average premium for full coverage: $1,218

Rate estimates broken down by individual coverage type:

Comprehensive $232
Collision $368
Liability $460

Price estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and Cadenza models.

Price Range by Coverage and Risk

For a driver around age 40, prices range go from the low end price of $510 for basic liability insurance to a high rate of $2,632 for a driver who requires high-risk insurance.

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

Price Range by Location

Your location has a large influence on car insurance rates. More rural locations tend to have lower incidents of collision claims than congested cities.

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

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

These examples demonstrate why all drivers should compare rates for a targeted area, rather than using 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.

Rate Comparisons

The chart below details estimated Kia Cadenza insurance rates for other coverage scenarios.

  • The best full coverage rate is $717
  • Drivers who choose higher $1,000 deductibles will pay approximately $136 annually
  • The estimated price for a 40-year-old driver who has $500 deductibles is $1,218
  • Buying low deductibles for comprehensive and collision insurance bumps up the cost to $1,482
  • High-risk insureds with multiple tickets or accidents could pay up to $2,632 or more
  • The cost that insures a teenage driver can cost as much as $4,716 a year

View Chart as Image

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

Auto insurance rates for a Kia Cadenza can also vary considerably based on the trim level and model year, your age and driving habits, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you may be forking out $1,400 to $2,000 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost around 42% to 128% more than the average rate. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,100 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay at least $4,700 a year. View Rates by Age

Where you live makes a big difference in Kia Cadenza insurance rates. A 40-year-old driver could pay as low as $880 a year in states like Utah, Ohio, and New Hampshire, or at least $1,650 on average in New York, Michigan, and Florida.

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

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

With so much variability in rates, the best way to find out which company is cheapest is to do a rate comparison and see how they stack up. Every company utilizes a different rate formula, and quoted rates can be significantly different.

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 Cheaper Kia Cadenza Insurance

Saving money on auto insurance not only requires being a low-risk driver, but also maintaining a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Comparison shop at every other renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The items below are a condensed summary of the concepts that were covered above.

  • Drivers with multiple at-fault accidents could be forced to pay on average $1,410 more annually to insure their Cadenza
  • Teen drivers are the costliest to insure, with premiums as much as $393 per month if the policy includes full coverage
  • You may be able to save approximately $140 per year simply by quoting online in advance
  • Increasing deductibles can save approximately $400 each year
  • You may be able to save approximately $140 per year simply by quoting online in advance

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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