Kia Cadenza Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 27, 2024
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The average insurance prices for a Kia Cadenza are $1,192 every 12 months including full coverage. Comprehensive insurance costs approximately $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 cost the most to insure at up to $4,634 a year.
Average premium for full coverage: $1,192
Policy rates by type of insurance:
Includes $500 deductible amounts, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Cadenza trim levels.
Price Range Variability
Using a middle-aged driver as an example, Kia Cadenza insurance rates range from the cheapest price of $514 for basic liability insurance to a high of $2,574 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates how where you live affects auto insurance prices.
The examples above highlight why it is important to get quotes using their 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.
Rate Comparisons
The chart below breaks down average Kia Cadenza insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $704
- Choosing higher $1,000 deductibles can save $1,062 every year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,192
- Choosing low $100 deductibles for comp and collision coverage costs an extra $250 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay around $2,574
- Policy cost to insure a teen driver can cost $4,634 each year
Auto insurance rates for a Kia Cadenza also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Cadenza.
Choosing high deductibles can save as much as $380 every year, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $417 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,400 to $2,000 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 131% more than average. View High Risk Driver Rates
Your home state plays a big part in determining prices for Kia Cadenza insurance prices. A good driver about age 40 could pay as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,700 on average in Louisiana, New York, and Michigan.
| 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% |
| 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 Shop for the Cheapest Kia Cadenza Insurance
Finding cheaper rates on car insurance takes having a good driving record, having a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Take the time to comparison shop at every policy renewal by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.
The next list is a recap of the data touched on in the above illustrations.
- Policyholders who purchase increased levels of liability coverage will pay about $510 per year to raise limits from a 30/60 limit to a 250/500 level
- You may be able to save around $140 per year just by quoting early and online
- Increasing comprehensive and collision deductibles could save as much as $375 each year
- Drivers age 20 and younger have the highest car insurance rates, with premiums being up to $386 each month if comprehensive and collision insurance is included
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,442 |
| $250 | $1,326 |
| $500 | $1,192 |
| $1,000 | $1,062 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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