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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Estimated insurance rates for a Kia Cadenza are $1,192 a year including full coverage. Comprehensive costs approximately $224, collision insurance costs $346, and liability insurance costs $464. Liability-only coverage costs as little as $514 a year, and high-risk coverage costs around $2,574. Teenage drivers pay the most at up to $4,634 a year.

Average premium for full coverage: $1,192

Premium estimates by type of coverage:

Comprehensive $224
Collision $346
Liability $464

Rate estimates include $500 deductible amounts, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different Cadenza trim levels.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Kia Cadenza range from the low end price of $514 for liability-only coverage to a much higher rate of $2,574 for a high-risk driver policy.

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

Insurance Price Range by Location

Your location has a significant impact on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities. The price range example below illustrates how geographic area affects auto insurance prices.

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

These rate differences highlight why anyone shopping for car insurance should compare rates using their specific location, rather than relying on 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.

Additional Charts and Tables

The chart below breaks down average Kia Cadenza insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $704
  • Drivers who choose higher $1,000 deductibles will pay $130 every year
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,192
  • Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,442
  • High risk drivers who are prone to accidents and violations could pay around $2,574
  • An auto insurance policy that insures a teen driver with full coverage can cost $4,634 a year

View Chart as Image

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

Insurance prices for a Kia Cadenza also have a wide range based on the model year and trim level, your driving record and age, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are likely paying anywhere from $1,400 to $2,000 extra annually, depending on your age. High-risk driver insurance can cost anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $4,600 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 $920 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,700 on average in Louisiana, New York, and Michigan.

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

Using high physical damage deductibles could save up to $380 each year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $417 more per year. View Rates by Deductible or Liability Limit

Kia Cadenza Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
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 the Best Kia Cadenza Insurance

Finding better rates on Kia Cadenza insurance not only requires having a good driving record, but also having above-average credit, refrain from filing small claims, and possibly raising deductibles. Compare prices every time your policy renews by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.

The next list is a brief recap of the information presented in the illustrations above.

  • You may be able to save around $140 per year just by shopping early and online
  • Drivers age 20 and younger are expensive to insure, with the cost nearing $386 per month if full coverage is included
  • Increasing policy deductibles can save approximately $375 each year
  • High-risk drivers who tend to receive serious violations will likely pay on average $1,380 more per year to buy Kia Cadenza insurance
  • Drivers who purchase increased levels of liability coverage will pay an extra $510 per year to go from 30/60 bodily injury limits to the 250/500 level

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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