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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Estimated insurance rates for a Kia Cadenza are $1,192 a year with full coverage. Comprehensive insurance costs on average $224 a year, collision costs $346, and liability costs $464. Liability-only insurance costs as little as $514 a year, with high-risk driver insurance costing $2,574 or more. Teenage drivers pay the most at $4,634 a year or more.
Average premium for full coverage: $1,192
Premium estimates by type of coverage:
Prices include $500 deductible amounts, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and Cadenza trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Kia Cadenza go from as low as $514 for the bare minimum liability coverage to a high of $2,574 for a high-risk driver policy.
Insurance Price Range by Location
Your location can have significant affects on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than densely populated cities.
The diagram below illustrates how location impacts car insurance rates.
These rate differences demonstrate why it is important to compare rates based on a specific location and risk profile, instead of using average rates.
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 details estimated Kia Cadenza insurance rates for different risk profiles and scenarios.
- The best discount rate is $704
- Drivers who choose higher $1,000 deductibles will pay around $1,062 annually
- The average rate for a 40-year-old good driver with $500 deductibles is $1,192
- Using low $100 deductibles for comprehensive and collision insurance will cost an extra $250 every year
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,574 or more
- An auto insurance policy for full coverage for a teen driver may cost $4,634 a year
Insurance prices for a Kia Cadenza also have a wide range based on your driving characteristics, the trim level and model year, and policy deductibles and limits.
Older drivers with no violations or accidents and high deductibles may pay as little as $1,100 per year 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 upwards of $4,600 a year. View Rates by Age
Where you choose to live makes a big difference in Kia Cadenza insurance prices. A 40-year-old driver could pay as low as $860 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,610 on average in Florida, Michigan, and New York.
| 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% |
Using high physical damage deductibles could save up to $380 every year, while buying higher liability limits will cost you more. Moving 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 may be forking out at a minimum $1,400 to $2,000 additional annually, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 131% more than a normal policy. View High Risk Driver Rates
With such a large range in prices, the best way to find out exactly what you will pay is to get quotes and see which company has the best price. Every company uses a different method to calculate prices, and prices will be substantially different from one company to the next.
| 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 the Right Kia Cadenza Insurance
Finding better rates on car insurance not only requires having a good driving record, but also having a good credit history, being claim-free, and insuring your home and auto with the same company. Spend time shopping around every time your policy renews by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.
The next list is a quick rundown of the information touched on above.
- You may be able to save as much as $140 per year simply by quoting early and online
- Drivers age 20 and younger pay higher prices, possibly costing $386 per month including comprehensive and collision insurance
- Increasing policy deductibles can save around $375 each year
- Higher risk drivers with reckless driving or DUI convictions may be required to pay an average of $1,380 more each year to buy Kia Cadenza insurance
- Policyholders who require increased levels of liability coverage will pay an extra $510 every year to go from 30/60 bodily injury limits to 250/500 limits
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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