Kia Cadenza Insurance Rates
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UPDATED: May 27, 2024
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Estimated insurance rates for a Kia Cadenza are $1,266 a year for full coverage insurance. Comprehensive costs around $248, collision costs $400, and liability insurance costs $460. Liability-only insurance costs as little as $510 a year, with high-risk driver insurance costing around $2,736. Teens pay the most at $4,866 a year or more.
Average premium for full coverage: $1,266
Premium estimates for type of coverage:
These estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for different Cadenza trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Kia Cadenza go from the low end price of $510 for liability-only coverage to a much higher rate of $2,736 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Your location has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion.
The price range example below illustrates how rural and urban location affects auto insurance rates.
These rate differences illustrate why anyone shopping for car insurance should compare rates for a specific zip code, rather than relying 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.
Additional Charts and Tables
The chart below illustrates estimated Kia Cadenza insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $743
- Drivers who choose higher $1,000 deductibles will pay about $146 each year
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,266
- Selecting more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,550
- High risk drivers with serious driving violations could pay at least $2,736 or more
- An auto insurance policy that insures a teen driver with full coverage can be $4,866 a year
Insurance prices for a Kia Cadenza also have a wide range based on the model year and trim level, your age and driving record, and deductibles and policy limits.
If you have a few violations or you caused an accident, you are probably paying at least $1,500 to $2,100 additional annually, depending on your age. High-risk driver insurance can cost anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $4,800 a year. View Rates by Age
Where you choose to live makes a big difference in Kia Cadenza insurance rates. A 40-year-old driver could pay as low as $830 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,710 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,146 | -$120 | -9.5% |
| Alaska | $972 | -$294 | -23.2% |
| Arizona | $1,052 | -$214 | -16.9% |
| Arkansas | $1,266 | -$0 | 0.0% |
| California | $1,444 | $178 | 14.1% |
| Colorado | $1,212 | -$54 | -4.3% |
| Connecticut | $1,304 | $38 | 3.0% |
| Delaware | $1,436 | $170 | 13.4% |
| Florida | $1,586 | $320 | 25.3% |
| Georgia | $1,170 | -$96 | -7.6% |
| Hawaii | $910 | -$356 | -28.1% |
| Idaho | $858 | -$408 | -32.2% |
| Illinois | $944 | -$322 | -25.4% |
| Indiana | $954 | -$312 | -24.6% |
| Iowa | $854 | -$412 | -32.5% |
| Kansas | $1,204 | -$62 | -4.9% |
| Kentucky | $1,730 | $464 | 36.7% |
| Louisiana | $1,876 | $610 | 48.2% |
| Maine | $784 | -$482 | -38.1% |
| Maryland | $1,046 | -$220 | -17.4% |
| Massachusetts | $1,014 | -$252 | -19.9% |
| Michigan | $2,202 | $936 | 73.9% |
| Minnesota | $1,062 | -$204 | -16.1% |
| Mississippi | $1,518 | $252 | 19.9% |
| Missouri | $1,124 | -$142 | -11.2% |
| Montana | $1,362 | $96 | 7.6% |
| Nebraska | $1,000 | -$266 | -21.0% |
| Nevada | $1,520 | $254 | 20.1% |
| New Hampshire | $914 | -$352 | -27.8% |
| New Jersey | $1,418 | $152 | 12.0% |
| New Mexico | $1,122 | -$144 | -11.4% |
| New York | $1,336 | $70 | 5.5% |
| North Carolina | $730 | -$536 | -42.3% |
| North Dakota | $1,038 | -$228 | -18.0% |
| Ohio | $876 | -$390 | -30.8% |
| Oklahoma | $1,304 | $38 | 3.0% |
| Oregon | $1,162 | -$104 | -8.2% |
| Pennsylvania | $1,210 | -$56 | -4.4% |
| Rhode Island | $1,692 | $426 | 33.6% |
| South Carolina | $1,148 | -$118 | -9.3% |
| South Dakota | $1,070 | -$196 | -15.5% |
| Tennessee | $1,110 | -$156 | -12.3% |
| Texas | $1,528 | $262 | 20.7% |
| Utah | $938 | -$328 | -25.9% |
| Vermont | $868 | -$398 | -31.4% |
| Virginia | $760 | -$506 | -40.0% |
| Washington | $982 | -$284 | -22.4% |
| West Virginia | $1,162 | -$104 | -8.2% |
| Wisconsin | $878 | -$388 | -30.6% |
| Wyoming | $1,130 | -$136 | -10.7% |
Choosing higher comprehensive and collision insurance deductibles could save up to $430 each year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out your exact price is to compare prices from as many companies as possible. Every company calculates prices differently, and prices will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Kia Cadenza | $298 | $530 | $430 | $1,416 |
| 2019 Kia Cadenza | $282 | $512 | $442 | $1,394 |
| 2018 Kia Cadenza | $270 | $474 | $452 | $1,354 |
| 2017 Kia Cadenza | $260 | $446 | $456 | $1,320 |
| 2016 Kia Cadenza | $248 | $400 | $460 | $1,266 |
| 2015 Kia Cadenza | $232 | $368 | $460 | $1,218 |
| 2014 Kia Cadenza | $224 | $346 | $464 | $1,192 |
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 Cheap Kia Cadenza Insurance
Finding better rates on Kia Cadenza insurance not only requires being a safe and courteous driver, but also having a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Compare rates every other policy renewal by getting quotes from direct insurance companies, and also from insurance agencies where you live.
Below is a brief summary of the ideas that were raised in the charts and tables above.
- Teenage drivers are charged the highest prices, with premiums being up to $406 per month if comprehensive and collision insurance is included
- High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,470 more every year for auto insurance
- Increasing policy deductibles can save approximately $425 each year
- It is possible to save up to $150 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,866 |
| 20 | $2,910 |
| 30 | $1,310 |
| 40 | $1,266 |
| 50 | $1,160 |
| 60 | $1,136 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,550 |
| $250 | $1,420 |
| $500 | $1,266 |
| $1,000 | $1,120 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,266 |
| 50/100 | $1,358 |
| 100/300 | $1,473 |
| 250/500 | $1,772 |
| 100 CSL | $1,404 |
| 300 CSL | $1,657 |
| 500 CSL | $1,841 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,912 |
| 20 | $4,638 |
| 30 | $2,784 |
| 40 | $2,736 |
| 50 | $2,616 |
| 60 | $2,592 |
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 | $66 |
| Multi-vehicle | $67 |
| Homeowner | $20 |
| 5-yr Accident Free | $87 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $53 |
| Advance Quote | $60 |
| Online Quote | $89 |
| Total Discounts | $523 |
Discounts are estimated and may not be available from every company or in every state.
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