Kia Cadenza Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2023

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Average insurance prices for a Kia Cadenza are $1,218 every 12 months with full coverage. Comprehensive insurance costs on average $232, collision insurance costs $368, and liability costs around $460. Buying just liability costs as low as $510 a year, and insurance for high-risk drivers costs $2,632 or more. Teen drivers receive the highest rates at up to $4,716 a year.

Average premium for full coverage: $1,218

Rate estimates by individual coverage type:

Comprehensive $232
Collision $368
Liability $460

Full coverage includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and for different Cadenza trim levels.

Price Range by Coverage and Risk

For a driver around age 40, prices range range from the cheapest price of $510 for a discount liability-only rate to a much higher 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

Where you live can have significant affects on auto insurance rates. Rural areas tend to have more infrequent collision claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on car insurance rates.

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

These examples demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, instead of using price 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.

Rates by State, City, and Model

The chart below details average Kia Cadenza insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $717
  • Using higher $1,000 deductibles will save around $136 annually
  • The average price for a 40-year-old driver with $500 deductibles is $1,218
  • Choosing more expensive low deductibles for physical damage coverage costs an extra $264 every year
  • Drivers with multiple violations and an at-fault accident could pay upwards of $2,632
  • The cost to insure a teen driver with full coverage may cost $4,716 or more

View Chart as Image

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

Auto insurance rates for a Kia Cadenza can also vary considerably based on policy deductibles and limits, your driving record, and the trim level of your Cadenza.

Choosing high deductibles could cut rates by as much as $400 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as little as $1,100 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay upwards of $4,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $1,400 to $2,000 in extra premium per year, depending on your age. High-risk driver insurance can be as much as 42% to 128% more than average. View High Risk Driver Rates

Where you live has a huge impact on Kia Cadenza insurance prices. A driver around age 40 might see rates as low as $880 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,650 on average in Florida, Michigan, and New York.

Kia Cadenza Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,102 -$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
Kia Cadenza Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2014 Kia Cadenza $232 $368 $460 $1,218

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 More Affordable Kia Cadenza Insurance

Saving money on car insurance requires being a low-risk driver, having a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Set aside time to compare rates at every other renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

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

  • Higher risk drivers who have multiple accidents or major violations may pay on average $1,410 more each year to insure their Cadenza
  • Teen drivers are charged the highest rates, with premiums as much as $393 per month if comprehensive and collision insurance is included
  • You may be able to save as much as $140 per year just by shopping early and online
  • Increasing deductibles could save as much as $400 each year
  • You may be able to save as much as $140 per year just by shopping early and online

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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