Kia Cadenza Insurance Rates

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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 costs approximately $224, collision insurance costs $346, and liability coverage is estimated at $464. Liability-only insurance costs approximately $514 a year, and high-risk driver insurance costs around $2,574. Teens pay the most at up to $4,634 a year.

Average premium for full coverage: $1,192

Premium estimates by type of coverage:

Comprehensive $224
Collision $346
Liability $464

Price estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for different Cadenza trim levels.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Kia Cadenza range from the low end price of $514 for a discount liability-only rate to a much higher rate of $2,574 for high-risk insurance.

Liability Only $514
Full Coverage $1,192
High Risk $2,574

Insurance Price Range by Location

Living in a larger city has a large influence on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than cities with more traffic congestion. The price range example below illustrates how location impacts auto insurance prices.

Rural Areas $894
Small Cities $1,252
Large Cities $1,609

These rate differences demonstrate why anyone shopping for car insurance should get quotes using their specific location, rather than using 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.

Rates by State, City, and Model

The chart below details average Kia Cadenza insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $704
  • Choosing higher $1,000 deductibles can save $130 annually
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,192
  • Selecting more expensive low deductibles for comp and collision coverage bumps up the cost to $1,442
  • Drivers with serious driving violations could pay around $2,574
  • An auto insurance policy that insures a teenage driver with full coverage can cost $4,634 each year

View Chart as Image

Kia Cadenza insurance cost comparison chart
Column chart showing Kia Cadenza insurance rates range from $704 to $4,634 for full coverage

Insurance prices for a Kia Cadenza also have a wide range based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,400 to $2,000 additional annually, depending on your age. High-risk driver insurance ranges around 43% to 131% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Kia Cadenza insurance rates. A good driver about age 40 could pay as low as $860 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,610 on average in New York, Michigan, and Florida.

Kia Cadenza Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,078 -$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%

View Chart as Image

Kia Cadenza insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $380 a year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $417 more each year. View Rates by Deductible or Liability Limit

Kia Cadenza Insurance Rates by Model Year
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 Cheaper Kia Cadenza Insurance

Finding better rates on auto insurance takes avoiding accidents and claims, having a good credit score, being claim-free, and consideration of higher deductibles. Compare rates every couple of years by requesting quotes from direct companies, and also from local insurance agencies.

The points below are a condensed summary of the material that was touched on above.

  • Consumers who purchase increased liability limits will pay approximately $510 every year to raise limits from 30/60 bodily injury limits to the 250/500 level
  • Drivers under the age of 20 are the costliest to insure, possibly costing $386 per month if comprehensive and collision insurance is included
  • Drivers with multiple at-fault accidents may have to pay on average $1,380 more per year to insure a Kia Cadenza
  • Increasing policy deductibles can save approximately $375 each year

Rates by Driver Age

Kia Cadenza Insurance 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

Kia Cadenza Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,442
$250 $1,326
$500 $1,192
$1,000 $1,062

Full coverage, driver age 40

Rates by Liability Limit

Kia Cadenza Insurance Rates with Different Liability Limits
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

Kia Cadenza Insurance 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.

SR-22 Surcharge $163

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
Rate after discounts $704

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

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