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 costs around $224 each year, collision costs $346, and liability is $464. Buying just liability costs around $514 a year, with insurance 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 for individual coverage type:
Rates are based on $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and Cadenza models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as cheap as $514 for just the minimum liability insurance to a high rate of $2,574 for high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population tend to have fewer accident claims than larger metro areas.
The graphic below illustrates how rural and urban location affects auto insurance rates.
These examples show why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, instead of using 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 Analysis
The chart below shows estimated Kia Cadenza insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $704
- Raising to $1,000 deductibles will save about $130 a year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,192
- Choosing low deductibles will cost $1,442
- At-risk drivers with multiple violations and an at-fault accident could pay at least $2,574 or more
- The cost with full coverage for a teen driver can be $4,634
Auto insurance rates for a Kia Cadenza can also vary considerably based on the trim level of your Cadenza, your driver profile, and deductibles and policy limits.
More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay as much as $4,600 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at least $1,400 to $2,000 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 131% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $380 every year, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $417 extra every year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Kia Cadenza insurance prices. A middle-age driver might find rates as low as $790 a year in states like Idaho, Maine, and Iowa, or as much as $1,700 on average in Michigan, Louisiana, and New York.
| 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 your exact price is to do a rate comparison and see which company has the best rate. Every auto insurance company uses a different rate calculation, and quoted 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 the Best Cheap Kia Cadenza Insurance
Saving money on car insurance consists of being a good driver, having above-average credit, eliminating unneeded coverage, and maximizing policy discounts. Set aside time to shop around every couple of years by getting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
The following list is a quick review of the material that was raised in the charts and tables above.
- Policyholders who may need an increased level of liability coverage will pay about $510 each year to raise from a minimum limit to higher 250/500 limits
- Drivers age 16 to 20 are expensive to insure, costing as high as $386 per month if full coverage is included
- Higher risk drivers with a DUI or reckless driving violation pay an average of $1,380 more every year than a safer driver
- Increasing deductibles could save up to $375 each year
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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