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 insurance rates for a Kia Cadenza are $1,192 a year with full coverage. Comprehensive insurance costs approximately $224, collision costs $346, and liability insurance is estimated at $464. A policy with just liability insurance costs approximately $514 a year, with coverage for high-risk drivers costing $2,574 or more. 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:
Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different Cadenza trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the low end price of $514 for just liability insurance to a much higher rate of $2,574 for a driver who requires high-risk insurance.
Price Range by Location
Living in a larger city has a significant impact on the price of insurance. Rural locations tend to have lower incidents of collision claims than larger metro areas.
The price range example below illustrates how where you live affects auto insurance prices.
These examples demonstrate why anyone shopping for car insurance should get quotes using their specific location, 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.
More Rate Details
The chart below details estimated Kia Cadenza insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $704
- Choosing higher $1,000 deductibles can save $130 annually
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,192
- Choosing more expensive low deductibles for comp and collision coverage will cost an additional $250 a year
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,574 or more
- The cost that insures a teen driver with full coverage can cost $4,634 each year
Insurance rates for a Kia Cadenza can also vary considerably based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,400 to $2,000 additional per year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 131% more than average. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age
Where you live plays a big part in determining prices for Kia Cadenza insurance rates. A good driver about age 40 could pay as low as $860 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,610 on average in New York, Michigan, and Florida.
| 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 can save as much as $380 each year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $417 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to compare rates from as many companies as possible. Each auto insurer uses a different rate calculation, and rates can be significantly different.
| 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
Saving money on Kia Cadenza insurance takes having a decent driving record, having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Shop around at every other renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The following items are a quick review of the concepts that were touched on in the above illustrations.
- High-risk drivers with a DUI or reckless driving violation may have to pay on average $1,380 more per year than a driver with a clean driving record
- 16 to 18-year-old drivers are the costliest to insure, with premiums as much as $386 per month if comprehensive and collision insurance is included
- You may be able to save around $140 per year simply by shopping early and online
- Increasing deductibles can save approximately $375 each year
- You may be able to save around $140 per year simply by shopping early and online
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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