Kia Cadenza Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 27, 2024
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U.S. average insurance rates for a Kia Cadenza are $1,192 a year for full coverage insurance. Comprehensive costs an estimated $224, collision costs $346, and liability insurance costs $464. Buying just liability costs as little as $514 a year, with insurance for high-risk drivers 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 broken down by individual coverage:
Rates are based on $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for all Cadenza models.
Price Range from Low to High
For a driver around age 40, Kia Cadenza insurance prices go from as low as $514 for just liability coverage to the much higher price of $2,574 for a driver who requires high-risk insurance.
Geographic Price Range
Your location has a significant impact on the price of insurance. More rural locations have a lower frequency of physical damage claims than larger metro areas.
The example below illustrates the difference between rural and urban areas on insurance prices.
The ranges above illustrate why everyone should compare rates for a targeted area and risk profile, 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 illustrates estimated Kia Cadenza insurance rates for other coverage scenarios.
- The lowest rate with discounts is $704
- Drivers who choose higher $1,000 deductibles will pay approximately $130 each year
- The average rate for the average middle-age driver who has $500 deductibles is $1,192
- Choosing pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,442
- High risk drivers with multiple violations and an at-fault accident could pay up to $2,574 or more
- The price for full coverage for a teen driver for full coverage can cost as much as $4,634 a year
Insurance prices for a Kia Cadenza are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.
A more mature driver with no violations or accidents and high deductibles could pay as little as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay at least $4,600 a year. View Rates by Age
The state you live in makes a big difference in Kia Cadenza insurance rates. A 40-year-old driver could pay as low as $780 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,610 on average in Florida, New York, and Michigan.
| 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% |
Choosing high deductibles could save up to $380 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $417 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying $1,400 to $2,000 additional each year, depending on your age. Kia Cadenza insurance for high-risk drivers can cost anywhere from 43% to 131% more than average. View High Risk Driver Rates
Since prices can be so different, the only way to figure out which car insurance is cheapest is to regularly compare prices from as many companies as possible. Every company uses a different rate calculation, and prices may be quite different from one company to the next.
| 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 Best Cheap Kia Cadenza Insurance
Getting lower rates on Kia Cadenza insurance not only requires having a good driving record, but also having a good credit history, not filing small claims, and maximizing policy discounts. Set aside time to compare rates at every other renewal by requesting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
The next list is a quick review of the concepts that were covered above.
- High-risk drivers with a DUI or reckless driving violation pay on average $1,380 more annually to buy Kia Cadenza insurance
- Drivers age 20 and younger are expensive to insure, as much as $386 a month including comprehensive and collision insurance
- It is possible to save approximately $140 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $375 each year
- It is possible to save approximately $140 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,442 |
| $250 | $1,326 |
| $500 | $1,192 |
| $1,000 | $1,062 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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