Kia Cadenza Insurance Rates

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UPDATED: May 27, 2024

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Average auto insurance rates for a Kia Cadenza are $1,218 annually with full coverage. Comprehensive costs an estimated $232, collision insurance costs $368, and liability insurance is $460. Buying just liability costs around $510 a year, and insurance for high-risk drivers costs around $2,632. Teens receive the highest rates at up to $4,716 a year.

Average premium for full coverage: $1,218

Rate estimates broken down by individual coverage type:

Comprehensive $232
Collision $368
Liability $460

Rates are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different Cadenza trim levels.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as cheap as $510 for just liability insurance to a much higher rate of $2,632 for a high-risk driver policy.

Liability Only $510
Full Coverage $1,218
High Risk $2,632

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. More rural locations tend to have fewer collision claims than cities with more traffic congestion. The price range example below illustrates how your location can change insurance prices.

Rural Areas $914
Small Cities $1,279
Large Cities $1,644

These examples demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, rather than relying on averaged prices.

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.

More Rate Details

The chart below details average Kia Cadenza insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $717
  • Raising to $1,000 deductibles will save approximately $136 annually
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,218
  • Selecting more expensive low deductibles will cost $1,482
  • Higher-risk drivers with serious driving violations could pay up to $2,632
  • The cost with full coverage for a teen driver with full coverage can cost as much as $4,716

View Chart as Image

Kia Cadenza insurance cost comparison chart
Column chart showing Kia Cadenza insurance rates range from $717 to $4,716 for full coverage

Auto insurance rates for a Kia Cadenza can also vary considerably based on the trim level of your Cadenza, your driving record, and liability limits and deductibles.

An older driver with a good driving record and high physical damage deductibles could pay as little as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay at least $4,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out $1,400 to $2,000 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 42% to 128% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $400 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Kia Cadenza insurance rates. A middle-age driver might find rates as low as $880 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,650 on average in New York, Michigan, and Florida.

Kia Cadenza Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,102 -$116 -9.5%
Alaska $934 -$284 -23.3%
Arizona $1,014 -$204 -16.7%
Arkansas $1,218 -$0 0.0%
California $1,390 $172 14.1%
Colorado $1,166 -$52 -4.3%
Connecticut $1,254 $36 3.0%
Delaware $1,380 $162 13.3%
Florida $1,524 $306 25.1%
Georgia $1,124 -$94 -7.7%
Hawaii $876 -$342 -28.1%
Idaho $826 -$392 -32.2%
Illinois $908 -$310 -25.5%
Indiana $918 -$300 -24.6%
Iowa $822 -$396 -32.5%
Kansas $1,158 -$60 -4.9%
Kentucky $1,664 $446 36.6%
Louisiana $1,804 $586 48.1%
Maine $754 -$464 -38.1%
Maryland $1,006 -$212 -17.4%
Massachusetts $976 -$242 -19.9%
Michigan $2,118 $900 73.9%
Minnesota $1,020 -$198 -16.3%
Mississippi $1,460 $242 19.9%
Missouri $1,080 -$138 -11.3%
Montana $1,310 $92 7.6%
Nebraska $962 -$256 -21.0%
Nevada $1,462 $244 20.0%
New Hampshire $880 -$338 -27.8%
New Jersey $1,364 $146 12.0%
New Mexico $1,080 -$138 -11.3%
New York $1,284 $66 5.4%
North Carolina $702 -$516 -42.4%
North Dakota $998 -$220 -18.1%
Ohio $842 -$376 -30.9%
Oklahoma $1,252 $34 2.8%
Oregon $1,118 -$100 -8.2%
Pennsylvania $1,164 -$54 -4.4%
Rhode Island $1,628 $410 33.7%
South Carolina $1,104 -$114 -9.4%
South Dakota $1,028 -$190 -15.6%
Tennessee $1,068 -$150 -12.3%
Texas $1,470 $252 20.7%
Utah $902 -$316 -25.9%
Vermont $834 -$384 -31.5%
Virginia $730 -$488 -40.1%
Washington $944 -$274 -22.5%
West Virginia $1,118 -$100 -8.2%
Wisconsin $844 -$374 -30.7%
Wyoming $1,088 -$130 -10.7%

View Chart as Image

Kia Cadenza insurance rates by U.S. city
Kia Cadenza Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Kia Cadenza $282 $512 $442 $1,394
2019 Kia Cadenza $270 $474 $452 $1,354
2018 Kia Cadenza $260 $446 $456 $1,320
2017 Kia Cadenza $248 $400 $460 $1,266
2016 Kia Cadenza $232 $368 $460 $1,218
2015 Kia Cadenza $224 $346 $464 $1,192
2014 Kia Cadenza $220 $322 $474 $1,174

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 Best Cheap Kia Cadenza Insurance

Saving money on Kia Cadenza insurance consists of having a decent driving record, having above-average credit, eliminating unnecessary coverage, and consideration of higher deductibles. Invest the time to shop around every time your policy renews by requesting quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The following items are a quick review of the information illustrated above.

  • You may be able to save approximately $140 per year just by shopping early and online
  • 16 to 18-year-old drivers are the costliest to insure, with premiums as much as $393 per month if full coverage is included
  • Increasing deductibles could save up to $400 each year
  • High-risk drivers with a DUI or reckless driving violation pay on average $1,410 more annually than a driver with a clean driving record
  • Drivers who want additional liability coverage will pay approximately $510 every year to raise from a minimum limit to higher 250/500 limits

Rates by Driver Age

Kia Cadenza Insurance Rates by Driver Age
Driver Age Premium
16 $4,716
20 $2,800
30 $1,256
40 $1,218
50 $1,116
60 $1,094

Full coverage, $500 deductibles

Rates by Deductible

Kia Cadenza Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,482
$250 $1,360
$500 $1,218
$1,000 $1,082

Full coverage, driver age 40

Rates by Liability Limit

Kia Cadenza Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,218
50/100 $1,310
100/300 $1,425
250/500 $1,724
100 CSL $1,356
300 CSL $1,609
500 CSL $1,793

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Cadenza Insurance Rates for High Risk Drivers
Age Premium
16 $6,688
20 $4,460
30 $2,674
40 $2,632
50 $2,516
60 $2,492

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 $167

Potential Rate Discounts

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

Discount Savings
Multi-policy $64
Multi-vehicle $65
Homeowner $20
5-yr Accident Free $82
5-yr Claim Free $78
Paid in Full/EFT $50
Advance Quote $57
Online Quote $85
Total Discounts $501
Rate after discounts $717

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

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