Kia Cadenza Insurance Rates

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UPDATED: May 27, 2024

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U.S. average auto insurance rates for a Kia Cadenza are $1,192 annually with full coverage. Comprehensive costs around $224 a year, collision costs $346, and liability insurance costs around $464. Liability-only insurance costs as low as $514 a year, with high-risk driver insurance costing around $2,574. Teen drivers pay the highest rates at $4,634 a year or more.

Average premium for full coverage: $1,192

Price estimates for individual coverage:

Comprehensive $224
Collision $346
Liability $464

Rate estimates include $500 deductible amounts, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and Cadenza trim levels.

Price Range from Low to High

For an average driver, Kia Cadenza insurance prices go from as cheap as $514 for just liability coverage to a high of $2,574 for coverage for higher-risk drivers.

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

Geographic Price Range

Where you live has a significant impact on insurance rates. Areas with sparse population have fewer collision claims than larger metro areas.

The diagram below illustrates the effect of geographic area on auto insurance rates.

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

The ranges above demonstrate why it is important to compare prices for a specific zip code and their own personal driving habits, rather than relying on 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.

Detailed Rate Analysis

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

  • The lowest rate with discounts is $704
  • Using higher $1,000 deductibles will save about $1,062 annually
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,192
  • Choosing low $100 deductibles for physical damage coverage will cost $1,442
  • Drivers with multiple violations and an at-fault accident could pay at least $2,574 or more
  • The price with full coverage for a teen driver can be $4,634 or more

View Chart as Image

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

Car insurance prices for a Kia Cadenza are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.

Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, 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 some driving violations or you caused a few accidents, you may be forking out at least $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $380 each year, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Kia Cadenza insurance rates. A driver around age 40 might see prices as low as $860 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,610 on average in Florida, Michigan, and New York.

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

Since prices can be so different, the best way to find out your exact price is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes may be quite different between companies.

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 Buy the Best Kia Cadenza Insurance

Getting lower rates on Kia Cadenza insurance requires having a good driving record, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates at least once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a brief recap of the primary concepts that were covered in the above illustrations.

  • You may be able to save up to $140 per year simply by quoting early and online
  • High-risk drivers who tend to receive serious violations may pay on average $1,380 more every year to buy Kia Cadenza insurance
  • Increasing physical damage deductibles could save up to $375 each year
  • Drivers age 20 and younger are the costliest to insure, costing up to $386 a month if comprehensive and collision insurance is included

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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