Kia Cadenza Insurance Rates

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UPDATED: May 27, 2024

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U.S. average insurance rates for a Kia Cadenza are $1,192 a year for full coverage insurance. Comprehensive insurance costs around $224 a year, collision insurance costs $346, and liability is estimated at $464. Liability-only insurance costs approximately $514 a year, and high-risk driver insurance costs $2,574 or more. Teen drivers pay the highest rates at up to $4,634 a year.

Average premium for full coverage: $1,192

Price estimates for individual coverage:

Comprehensive $224
Collision $346
Liability $464

Estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and Cadenza trim levels.

Price Range from Low to High

For the average 40-year-old driver, Kia Cadenza insurance prices range from as low as $514 for just liability insurance to a high of $2,574 for a driver who requires high-risk insurance.

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

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than larger metro areas. The diagram below illustrates the difference location can make on auto insurance rates.

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

The ranges above illustrate why it is important to get quotes for a specific zip code and risk profile, instead of making a decision based on 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.

More Rate Details

The chart below illustrates average Kia Cadenza insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $704
  • Choosing higher $1,000 deductibles can save about $1,062 each year
  • The average rate for the average middle-age driver using $500 deductibles is $1,192
  • Choosing low $100 deductibles for comp and collision coverage will cost an extra $250 annually
  • Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,574
  • The price for full coverage for a 16-year-old driver can be $4,634 each year

View Chart as Image

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

Car insurance prices for a Kia Cadenza are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.

Older drivers with no driving violations and high deductibles may pay as low as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged as much as $4,600 a year. View Rates by Age

The state you live in plays a big part in determining prices for Kia Cadenza insurance prices. A good driver about age 40 could pay as low as $780 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,610 on average in Michigan, New York, and Florida.

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

Choosing high deductibles can save as much as $380 annually, while buying higher liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy ranges from 43% to 131% more than average. View High Risk Driver Rates

Kia Cadenza Insurance Rates by Model Year
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 Find Low Cost Kia Cadenza Insurance

Getting lower rates on insurance for a Kia Cadenza takes being a low-risk driver, having above-average credit, not filing small claims, and consideration of higher deductibles. Make time to compare rates at every other renewal by getting quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The items below are a review of the concepts that were touched on in this article.

  • Drivers considered higher risk who have several accidents or serious violations may pay on average $1,380 more every year to insure their Cadenza
  • Teen drivers are the costliest to insure, as much as $386 a month if full coverage is included
  • It is possible to save up to $140 per year just by quoting early and online
  • Increasing physical damage deductibles can save around $375 each year
  • It is possible to save up to $140 per year just by quoting early and online

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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