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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Average auto insurance rates for a Kia Cadenza are $1,192 annually for full coverage. Comprehensive insurance costs approximately $224, collision costs $346, and liability insurance costs around $464. A policy with just liability insurance costs as low as $514 a year, with coverage for high-risk drivers costing $2,574 or more. 16-year-old drivers receive the highest rates at $4,634 a year or more.
Average premium for full coverage: $1,192
Rate estimates by individual coverage type:
Estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and for all Cadenza models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as cheap as $514 for liability-only coverage to the much higher price of $2,574 for a driver required to buy high-risk insurance.
Price Range by Location
Where you live has a significant impact on car insurance rates. Rural locations tend to have fewer accident claims than congested cities.
The example below illustrates how where you live affects auto insurance prices.
These examples show why everyone should compare prices using their specific location and their own personal driving habits, rather than relying on rate 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.
Additional Charts and Tables
The chart below shows estimated Kia Cadenza insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $704
- Using higher $1,000 deductibles will save $130 a year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,192
- Buying pricier low deductibles for physical damage coverage costs an additional $250 a year
- Drivers with multiple tickets or accidents could pay around $2,574 or more
- The cost with full coverage for a teen driver for full coverage can cost $4,634 or more
Insurance rates for a Kia Cadenza can also vary considerably based on the trim level of your Cadenza, your driver profile, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,100 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,400 to $2,000 additional per year, depending on your age. Kia Cadenza insurance for high-risk drivers can be anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $380 each year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $417 more each year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Kia Cadenza insurance rates. A driver around age 40 might see rates as low as $790 a year in states like Iowa, Maine, and Idaho, or at least $1,700 on average in New York, Louisiana, 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% |
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to regularly compare rates from as many companies as possible. Each insurance company utilizes a different rate formula, and rates can be significantly different between companies.
| 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 Low Cost Kia Cadenza Insurance
Saving money on Kia Cadenza insurance requires avoiding accidents and violations, having good credit, eliminating unneeded coverage, and qualifying for all possible discounts. Take the time to comparison shop at every policy renewal by getting rate quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.
The list below is a review of the data touched on in the above illustrations.
- Drivers who purchase higher liability limits will pay around $510 each year to increase from a minimum limit to higher 250/500 limits
- Drivers can save around $140 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles could save up to $375 each year
- Teenagers are the costliest to insure, costing as high as $386 per month if they have full coverage
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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