Kia Cadenza Insurance Rates

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UPDATED: May 27, 2024

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The average insurance rates for a Kia Cadenza are $1,192 a year for full coverage. Comprehensive costs approximately $224 a year, collision insurance costs $346, and liability is estimated at $464. Buying just liability costs approximately $514 a year, and insurance for high-risk drivers costs around $2,574. Teen drivers cost the most to insure at up to $4,634 a year.

Average premium for full coverage: $1,192

Policy rates by type of insurance:

Comprehensive $224
Collision $346
Liability $464

Includes $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Cadenza trim levels.

Price Range Variability

For a driver in their 40's, Kia Cadenza insurance rates range from as low as $514 for just liability coverage to a high of $2,574 for a policy for a high-risk driver.

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

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than larger metro areas. The diagram below illustrates how location helps determine auto insurance prices.

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

The examples above show why it is important to get quotes using their specific location and risk profile, instead of making a decision based 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 shows average Kia Cadenza insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $704
  • Choosing higher $1,000 deductibles can save $1,062 a year
  • The average rate for a good driver age 40 who chooses $500 deductibles is $1,192
  • Choosing low $100 deductibles for comp and collision coverage will increase the cost to $1,442
  • Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,574
  • Policy cost for full coverage for a 16-year-old driver 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 rates for a Kia Cadenza also range considerably based on your risk profile, the trim level of your Cadenza, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Kia Cadenza insurance prices. A good driver about age 40 could pay as low as $790 a year in states like Iowa, Maine, and Idaho, or as much as $1,700 on average in New York, Louisiana, and Michigan.

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 high deductibles can save as much as $380 annually, while buying higher liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $417 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy ranges from 43% to 131% more than average. View High Risk Driver Rates

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 the Cheapest Kia Cadenza Insurance

Finding cheaper rates on insurance for a Kia Cadenza takes being safe and accident-free, maintaining good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest time comparing rates every year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a recap of the coverage data covered in the charts and tables above.

  • Drivers can save around $140 per year just by quoting early and online
  • Increasing comprehensive and collision deductibles can save around $375 each year
  • Youthful drivers are expensive to insure, costing up to $386 each month for full coverage
  • Drivers considered higher risk that have major violations or accidents may pay on average $1,380 more per year than a low-risk driver

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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