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 for full coverage insurance. Comprehensive insurance costs an estimated $224, collision costs $346, and liability insurance is estimated at $464. A policy with only liability insurance costs approximately $514 a year, with a high-risk policy costing $2,574 or more. 16-year-old drivers pay the most at $4,634 a year or more.

Average premium for full coverage: $1,192

Premium estimates broken down by type of coverage:

Comprehensive $224
Collision $346
Liability $464

Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for all Cadenza models.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Kia Cadenza go from as low as $514 for just liability coverage to the much higher price of $2,574 for a driver who requires high-risk insurance.

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

Insurance Price Range by Location

Living in a larger city has a significant impact on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than congested cities.

The example below illustrates how your location can change insurance prices.

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

These rate differences illustrate why everyone should get quotes for a targeted area and risk profile, rather than relying on rate 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.

Detailed Rate Analysis

The chart below illustrates estimated Kia Cadenza insurance rates for other coverage scenarios.

  • The best full coverage rate is $704
  • Choosing higher $1,000 deductibles can save approximately $130 each year
  • The average rate for a 40-year-old good driver who has $500 deductibles is $1,192
  • Buying pricier low deductibles for comp and collision coverage will cost an extra $250 a year
  • High-risk insureds with multiple tickets or accidents could pay up to $2,574 or more
  • An auto insurance policy for full coverage for a teen driver for full coverage can cost as much as $4,634 each year

View Chart as Image

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

Car insurance prices for a Kia Cadenza also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.

A more mature driver with no driving violations and high deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged at least $4,600 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Kia Cadenza insurance rates. A good driver about age 40 could pay as low as $780 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,610 on average in Florida, 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

Opting for high physical damage deductibles can save as much as $380 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $417 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying $1,400 to $2,000 extra annually, depending on your age. Kia Cadenza insurance for high-risk drivers ranges anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the only way to figure out which insurance company is cheapest is to regularly compare prices from as many companies as possible. Each auto insurer utilizes a different rate formula, so rate quotes will be substantially different from one company to the next.

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 More Affordable Kia Cadenza Insurance

Finding better rates on Kia Cadenza insurance takes being a good driver, having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Invest the time to shop around at every other renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a summary of the concepts that were illustrated above.

  • High-risk drivers who have multiple accidents or major violations pay on average $1,380 more annually than a safer driver
  • Drivers age 16 to 20 have the highest car insurance prices, with premiums being up to $386 per month if full coverage is included
  • It is possible to save approximately $140 per year simply by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save around $375 each year
  • It is possible to save approximately $140 per year simply by quoting online well ahead of the renewal date

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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