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...
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UPDATED: May 27, 2024
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Estimated insurance prices for a Kia Cadenza are $1,192 every 12 months for full coverage. Comprehensive insurance costs around $224 a year, collision costs $346, and liability costs around $464. Liability-only insurance costs as low as $514 a year, with high-risk driver insurance costing $2,574 or more. Teenage drivers pay the most at $4,634 a year or more.
Average premium for full coverage: $1,192
Premium estimates for type of coverage:
Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and Cadenza trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Kia Cadenza go from the cheapest price of $514 for a discount liability-only rate to a high of $2,574 for a high-risk driver policy.
Insurance Price Range by Location
Where you live can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than densely populated cities.
The diagram below illustrates the difference location can make on auto insurance rates.
These rate differences show why it is important to compare prices for a specific zip code and their own driving history, instead of 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.
Rates by State, City, and Model
The chart below shows estimated Kia Cadenza insurance rates for additional coverage choices and driver risks.
- The best discount rate is $704
- Using higher $1,000 deductibles will save about $1,062 a year
- The average price for a 40-year-old good driver using $500 deductibles is $1,192
- Using low $100 deductibles for physical damage coverage costs an extra $250 every year
- Drivers who are prone to accidents and violations could pay at least $2,574 or more
- An auto insurance policy to insure a teen driver can be $4,634 or more
Insurance prices for a Kia Cadenza also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level and model year.
Using high physical damage deductibles could cut prices by as much as $380 every year, while buying higher liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will cost up to $417 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay as much as $4,600 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at least $1,400 to $2,000 additional annually, depending on your age. A high-risk auto insurance policy can be as much as 43% to 131% more than a normal policy. View High Risk Driver Rates
Where you choose to live has a huge impact on Kia Cadenza insurance prices. A driver around age 40 might see prices as low as $790 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,700 on average in Michigan, Louisiana, and New York.
| 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% |
With such a large range in prices, the only way to know your exact price is to get quotes and see which company has the best price. Each insurance company uses a different method to calculate prices, and prices will be substantially different.
| 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 Shop for the Best Cheap Kia Cadenza Insurance
Finding better rates on car insurance requires being safe and accident-free, having above-average credit, not filing small claims, and taking advantage of discounts. Make time to compare rates every time your policy renews by quoting rates from direct carriers, and also from local exclusive and independent agents.
Below you'll find a quick review of the information touched on in this article.
- Drivers can save up to $140 per year simply by quoting early and online
- Youthful drivers are charged the highest prices, as much as $386 per month if full coverage is included
- Increasing policy deductibles could save as much as $375 each year
- Higher risk drivers with a DUI or reckless driving violation may pay on average $1,380 more every year than a low-risk driver
- Policyholders who may need more liability protection will pay an extra $510 each year to increase from 30/60 bodily injury limits to a 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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