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...
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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 insurance. Comprehensive insurance costs around $224, collision costs $346, and liability is $464. Liability-only insurance costs around $514 a year, with high-risk driver insurance 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 for type of coverage:
Prices are based on $500 physical damage deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for all Cadenza models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Kia Cadenza go from the low end price of $514 for a discount liability-only rate to the much higher price of $2,574 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than congested cities.
The example below illustrates how location impacts auto insurance rates.
These rate differences illustrate why everyone should compare rates quotes for a specific zip code, instead of making a decision based 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.
Rates by State, City, and Model
The chart below illustrates estimated Kia Cadenza insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $704
- Raising to $1,000 deductibles will save about $130 each year
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,192
- Buying pricier low deductibles will cost an additional $250 annually
- Drivers with multiple tickets or accidents could pay at least $2,574 or more
- An auto insurance policy that insures a 16-year-old driver for full coverage can be $4,634
Insurance prices for a Kia Cadenza also have a wide range based on the model of your Cadenza, your age and driving record, and deductibles and policy limits.
If you have a few violations or you caused an accident, you are probably paying at least $1,400 to $2,000 additional annually, depending on your age. Kia Cadenza insurance for high-risk drivers is expensive and can cost from 43% to 131% more than the average rate. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records 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 prices. A middle-age driver might find prices as low as $780 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,610 on average in Michigan, New York, and Florida.
| 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 reduce prices by up to $380 annually, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $417 more each year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out your exact price is to regularly compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, and prices will be substantially different.
| 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 insurance for a Kia Cadenza consists of being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Comparison shop at every policy renewal by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.
Below is a brief review of the data touched on above.
- Insureds who may need higher levels of liability will pay around $510 annually to raise from 30/60 bodily injury limits to the 250/500 level
- It is possible to save up to $140 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles can save approximately $375 each year
- Teenage drivers are charged the highest prices, with premiums being up to $386 per 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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