Kia Cadenza Insurance Rates
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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:
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.
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.
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
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.
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% |
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.
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
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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