Kia Cadenza Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: May 27, 2024
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U.S. average auto insurance rates for a Kia Cadenza are $1,192 annually including full coverage. Comprehensive costs around $224, collision costs $346, and liability is estimated at $464. A policy with just liability insurance costs approximately $514 a year, with coverage for high-risk drivers costing around $2,574. Teen drivers pay the highest rates at $4,634 a year or more.
Average premium for full coverage: $1,192
Price estimates for individual coverage:
Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for all Cadenza models.
Price Range from Low to High
For a driver around age 40, Kia Cadenza insurance prices go from as cheap as $514 for the bare minimum liability coverage to the much higher price of $2,574 for a driver that may need high-risk insurance.
Geographic Price Range
Living in a larger city can have significant affects on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than larger metro areas.
The example below illustrates the difference between rural and urban areas on auto insurance rates.
The ranges above highlight why everyone should get quotes for a specific zip code and their own personal driving habits, 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.
Additional Rate Information
The chart below breaks down estimated 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 $130 every year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,192
- Choosing pricier low deductibles for comp and collision coverage will cost $1,442
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,574 or more
- The price with full coverage for a teen driver for full coverage can be $4,634 each year
Insurance prices for a Kia Cadenza are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.
A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay as much as $4,600 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying at least $1,400 to $2,000 extra each year, depending on your age. Kia Cadenza insurance for high-risk drivers ranges as much as 43% to 131% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $380 every year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $417 more per year. View Rates by Deductible or Liability Limit
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 $920 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,700 on average in Michigan, New York, and Louisiana.
| 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% |
Since prices can be so different, the best way to figure out your exact price is to regularly compare prices and see which company has the best price. Each auto insurer uses a different rate calculation, so the prices may be quite different between companies.
| 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 Buy More Affordable Kia Cadenza Insurance
Getting lower rates on car insurance takes avoiding accidents and claims, having a good credit history, being claim-free, and insuring your home and auto with the same company. Set aside time to compare rates once a year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The points below are a summary of the data that was covered above.
- You may be able to save up to $140 per year simply by quoting online well ahead of the renewal date
- Policyholders who may need increased liability limits will pay about $510 per year to raise limits from a low limit to higher 250/500 limits
- Drivers under the age of 20 pay higher prices, possibly costing $386 a month including comprehensive and collision insurance
- Higher risk drivers who have multiple accidents or major violations may pay on average $1,380 more every year to insure a Kia Cadenza
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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