Kia Cadenza Insurance Rates
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UPDATED: Jun 5, 2023
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Estimated auto insurance rates for a Kia Cadenza are $1,192 annually including full coverage. Comprehensive insurance costs around $224 each year, collision costs $346, and liability costs $464. A policy with only liability insurance costs as little as $514 a year, with a high-risk policy 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 for type of coverage:
Prices include $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and Cadenza models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Kia Cadenza go from as cheap as $514 for the bare minimum liability coverage to a high rate of $2,574 for a high-risk insurance policy.
Insurance Price Range by Location
Your location can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than densely populated cities.
The graphic below illustrates how rural and urban location affects auto insurance rates.
These rate differences highlight why all drivers should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on 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 breaks down estimated Kia Cadenza insurance rates for additional coverage choices and driver risks.
- The best discount rate is $704
- Drivers who choose higher $1,000 deductibles will pay about $130 every year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,192
- Using low deductibles for comprehensive and collision insurance costs an additional $250 annually
- Drivers who are prone to accidents and violations could pay at least $2,574 or more
- An auto insurance policy with full coverage for a 16-year-old driver can be $4,634 a year
Car insurance prices for a Kia Cadenza also have a wide range based on the model of your Cadenza, your driving characteristics, and deductibles and policy limits.
More mature drivers with no driving violations and high physical damage deductibles may pay as low 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 without any violations or accidents they will be charged as much as $4,600 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying at least $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers can cost from 43% to 131% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $380 annually, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $417 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Kia Cadenza insurance prices. A 40-year-old driver could pay as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay 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% |
With such a large range in prices, the best way to figure out your exact price is to do a rate comparison from multiple companies. Every company uses a different method to calculate prices, so rate quotes will be substantially different between companies.
| 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 Buy the Right Kia Cadenza Insurance
Finding better rates on insurance for a Kia Cadenza not only requires being safe and accident-free, but also having a good credit score, refrain from filing small claims, and qualifying for all possible discounts. Set aside time to shop around at least every other year by obtaining price quotes from direct car insurance companies, and also from your local independent and exclusive agents.
Below you'll find a quick rundown of the car insurance concepts raised in the charts and tables above.
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,380 more every year than a low-risk driver
- You may be able to save up to $140 per year simply by quoting online in advance
- Increasing policy deductibles could save up to $375 each year
- Insureds who may need more liability protection will pay an extra $510 per year to go from 30/60 bodily injury limits to higher 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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