Kia Cadenza Insurance Rates

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UPDATED: May 27, 2024

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Estimated insurance rates for a Kia Cadenza are $1,192 a year for full coverage. Comprehensive insurance costs around $224, collision insurance costs $346, and liability insurance is $464. Liability-only insurance costs around $514 a year, and high-risk driver insurance costs $2,574 or more. Teens pay the most at up to $4,634 a year.

Average premium for full coverage: $1,192

Premium estimates for type of coverage:

Comprehensive $224
Collision $346
Liability $464

Prices are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for different Cadenza trim levels.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Kia Cadenza range from as low as $514 for liability-only coverage to a much higher rate of $2,574 for a policy for a high-risk driver.

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

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion. The price range example below illustrates how where you live affects auto insurance rates.

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

These rate differences show why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, rather than relying on averaged prices.

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 shows average Kia Cadenza insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $704
  • Raising to $1,000 deductibles will save about $130 a year
  • The average rate for a 40-year-old good driver using $500 deductibles is $1,192
  • Selecting more expensive low deductibles will cost an extra $250 a year
  • Higher-risk drivers with serious driving violations could pay at least $2,574
  • An auto insurance policy for full coverage for a teen driver with full coverage can be $4,634

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

Insurance prices for a Kia Cadenza also have a wide range based on your driving characteristics, the trim level of your Cadenza, and deductibles and policy limits.

An older driver with no violations or accidents and high deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay as much as $4,600 a year. View Rates by Age

Where you choose to live also has a big influence on Kia Cadenza insurance rates. A middle-age driver might find prices as low as $790 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,700 on average in Michigan, Louisiana, and New York.

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 higher comprehensive and collision insurance deductibles can reduce prices by up to $380 each year, while increasing your policy's liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $417 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at least $1,400 to $2,000 additional annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 131% more than the average policy. 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 Affordable Kia Cadenza Insurance

Finding better rates on Kia Cadenza insurance consists of being a low-risk driver, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Take the time to comparison shop every year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The items below are a brief review of the coverage data touched on in the above illustrations.

  • Drivers can save up to $140 per year just by shopping early and online
  • Increasing policy deductibles can save around $375 each year
  • Teen drivers are charged the highest prices, as much as $386 per month including comprehensive and collision insurance
  • High-risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,380 more every year to insure their Cadenza

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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