Kia Cadenza Insurance Rates

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UPDATED: May 27, 2024

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Average insurance rates for a Kia Cadenza are $1,192 a year including full coverage. Comprehensive costs on average $224 a year, collision costs $346, and liability costs $464. A policy with just liability insurance costs as little as $514 a year, with coverage for high-risk drivers costing around $2,574. Teen 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:

Comprehensive $224
Collision $346
Liability $464

These estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and Cadenza trim levels.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range go from as low as $514 for the bare minimum liability coverage to a high of $2,574 for a driver required to buy high-risk insurance.

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

Price Range by Location

Your location can make a big difference on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than larger metro areas.

The diagram below illustrates the difference location can make on car insurance rates.

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

These examples highlight why it is important to compare rates based on a 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.

Additional Rate Information

The chart below breaks down estimated Kia Cadenza insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $704
  • Drivers who choose higher $1,000 deductibles will pay around $1,062 every year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,192
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,442
  • Drivers with multiple violations and an at-fault accident could pay upwards of $2,574 or more
  • The cost for full coverage for a 16-year-old driver may cost $4,634 a year

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

Insurance rates for a Kia Cadenza can also vary considerably based on your driver profile, the model of your Cadenza, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may pay as low as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay upwards of $4,600 a year. View Rates by Age

Where you live makes a big difference in Kia Cadenza insurance prices. A 40-year-old driver could pay as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,700 on average in Michigan, New York, and Louisiana.

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 could save up to $380 annually, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $417 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,400 to $2,000 additional per year, depending on your age. A high-risk auto insurance policy can cost from 43% to 131% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Every company uses a different rate calculation, and rates can be significantly different from one company to the next.

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 Cheap Kia Cadenza Insurance

Saving money on insurance for a Kia Cadenza not only requires being a good driver, but also having a good credit history, not filing small claims, and insuring your home and auto with the same company. Make time to compare rates at every policy renewal by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The following list is a brief summary of the data touched on in this article.

  • Insureds who require an increased level of liability coverage will pay about $510 per year to go from a minimum limit to 250/500 limits
  • You may be able to save as much as $140 per year simply by quoting early and online
  • Increasing deductibles can save around $375 each year
  • Drivers age 16 to 20 pay higher rates, as much as $386 per month including comprehensive and collision insurance

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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