Kia Cadenza Insurance Rates
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Written by
Jeffrey Johnson
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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:
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.
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.
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
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.
| 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% |
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.
| 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,850 |
| $250 | $1,666 |
| $500 | $1,450 |
| $1,000 | $1,246 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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