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Kia Cadenza Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: May 1, 2020

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The average auto insurance rates for a Kia Cadenza are $1,450 annually for full coverage insurance. Comprehensive costs around $332 a year, collision costs $570, and liability is $390. Liability-only insurance costs around $452 a year, with high-risk driver insurance costing around $3,130. Teen drivers cost the most to insure at $5,326 a year or more.

Average premium for full coverage: $1,450

Policy rates for type of insurance:

Comprehensive $332
Collision $570
Liability $390

Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Cadenza trim levels.

Price Range Variability

For the average driver, Kia Cadenza insurance rates go from as cheap as $452 for a discount liability-only rate to a high of $3,130 for a driver that may need high-risk insurance.

Liability Only $452
Full Coverage $1,450
High Risk $3,130

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than larger metro areas.

The diagram below illustrates how location impacts auto insurance rates.

Rural Areas $1,088
Small Cities $1,523
Large Cities $1,958

The examples above illustrate why it is important to compare rates 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.

Rates by State, City, and Model

The chart below illustrates estimated Kia Cadenza insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $835
  • Raising to $1,000 deductibles will save about $1,246 each year
  • The estimated rate for a good driver age 40 using $500 deductibles is $1,450
  • Choosing low $100 deductibles will cost $1,850
  • At-risk drivers with multiple violations and an at-fault accident could pay at least $3,130 or more
  • Policy cost with full coverage for a teen driver can be $5,326

View Chart as Image

Kia Cadenza insurance cost comparison chart
Column chart showing full coverage Kia Cadenza insurance rates range from $835 to $5,326

Auto insurance rates for a Kia Cadenza also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.

Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay as much as $5,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,700 to $2,300 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $610 every year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Kia Cadenza insurance prices. A middle-age driver might find rates as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,960 on average in Michigan, New York, and Florida.

Kia Cadenza Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,312 -$138 -9.5%
Alaska $1,114 -$336 -23.2%
Arizona $1,206 -$244 -16.8%
Arkansas $1,450 -$0 0.0%
California $1,654 $204 14.1%
Colorado $1,388 -$62 -4.3%
Connecticut $1,492 $42 2.9%
Delaware $1,644 $194 13.4%
Florida $1,818 $368 25.4%
Georgia $1,342 -$108 -7.4%
Hawaii $1,042 -$408 -28.1%
Idaho $982 -$468 -32.3%
Illinois $1,082 -$368 -25.4%
Indiana $1,092 -$358 -24.7%
Iowa $980 -$470 -32.4%
Kansas $1,380 -$70 -4.8%
Kentucky $1,980 $530 36.6%
Louisiana $2,150 $700 48.3%
Maine $896 -$554 -38.2%
Maryland $1,198 -$252 -17.4%
Massachusetts $1,162 -$288 -19.9%
Michigan $2,524 $1,074 74.1%
Minnesota $1,214 -$236 -16.3%
Mississippi $1,738 $288 19.9%
Missouri $1,288 -$162 -11.2%
Montana $1,560 $110 7.6%
Nebraska $1,146 -$304 -21.0%
Nevada $1,740 $290 20.0%
New Hampshire $1,046 -$404 -27.9%
New Jersey $1,624 $174 12.0%
New Mexico $1,286 -$164 -11.3%
New York $1,530 $80 5.5%
North Carolina $836 -$614 -42.3%
North Dakota $1,190 -$260 -17.9%
Ohio $1,004 -$446 -30.8%
Oklahoma $1,492 $42 2.9%
Oregon $1,330 -$120 -8.3%
Pennsylvania $1,386 -$64 -4.4%
Rhode Island $1,938 $488 33.7%
South Carolina $1,318 -$132 -9.1%
South Dakota $1,224 -$226 -15.6%
Tennessee $1,274 -$176 -12.1%
Texas $1,750 $300 20.7%
Utah $1,074 -$376 -25.9%
Vermont $994 -$456 -31.4%
Virginia $870 -$580 -40.0%
Washington $1,120 -$330 -22.8%
West Virginia $1,332 -$118 -8.1%
Wisconsin $1,006 -$444 -30.6%
Wyoming $1,294 -$156 -10.8%

View Chart as Image

Kia Cadenza insurance rates by U.S. city

Because rates have so much variability, the only way to figure out your exact price is to get quotes and see which company has the best rate. Every auto insurance company uses a different rate calculation, and quoted rates will be varied between companies.

Kia Cadenza Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Kia Cadenza $332 $570 $390 $1,450
2019 Kia Cadenza $320 $566 $398 $1,442
2018 Kia Cadenza $308 $552 $416 $1,434
2017 Kia Cadenza $298 $530 $430 $1,416
2016 Kia Cadenza $282 $512 $442 $1,394
2015 Kia Cadenza $270 $474 $452 $1,354
2014 Kia Cadenza $260 $446 $456 $1,320

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 Cheapest Kia Cadenza Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and violations, having above-average credit, being claim-free, and maximizing policy discounts. Spend time shopping around once a year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a recap of the data that was touched on above.

  • It is possible to save up to $180 per year simply by quoting early and online
  • Policyholders who may need higher liability limits will pay about $430 annually to raise from a 30/60 limit to higher 250/500 limits
  • Teenagers are expensive to insure, possibly costing $444 each month if full coverage is included
  • Higher risk drivers that have major violations or accidents pay on average $1,680 more every year for car insurance

Rates by Driver Age

Kia Cadenza Insurance Rates by Driver Age
Driver Age Premium
16 $5,326
20 $3,332
30 $1,518
40 $1,450
50 $1,326
60 $1,298

Full coverage, $500 deductibles

Rates by Deductible

Kia Cadenza Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,850
$250 $1,666
$500 $1,450
$1,000 $1,246

Full coverage, driver age 40

Rates by Liability Limit

Kia Cadenza Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,450
50/100 $1,528
100/300 $1,626
250/500 $1,879
100 CSL $1,567
300 CSL $1,782
500 CSL $1,938

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Cadenza Insurance Rates for High Risk Drivers
Age Premium
16 $7,606
20 $5,298
30 $3,202
40 $3,130
50 $2,984
60 $2,958

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 $200

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $78
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $107
5-yr Claim Free $93
Paid in Full/EFT $67
Advance Quote $72
Online Quote $103
Total Discounts $615
Rate after discounts $835

Discounts are estimated and may not be available from every company or in every state.

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