Kia Cadenza Insurance Rates

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UPDATED: May 27, 2024

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The average auto insurance rates for a Kia Cadenza are $1,218 annually for full coverage insurance. Comprehensive insurance costs on average $232 each year, collision costs $368, and liability insurance is estimated at $460. A liability-only policy costs approximately $510 a year, with high-risk insurance costing $2,632 or more. Teenage drivers cost the most to insure at $4,716 a year or more.

Average premium for full coverage: $1,218

Policy rates by type of insurance:

Comprehensive $232
Collision $368
Liability $460

Rates are based on $500 physical damage deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and Cadenza models.

Price Range Variability

For a driver around age 40, Kia Cadenza insurance rates go from as cheap as $510 for basic liability insurance to a high rate of $2,632 for high-risk insurance.

Liability Only $510
Full Coverage $1,218
High Risk $2,632

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. Rural areas are shown to have fewer physical damage claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on car insurance rates.

Rural Areas $914
Small Cities $1,279
Large Cities $1,644

The examples above illustrate why all drivers should get quotes based on a specific location and their own personal driving habits, rather than relying on average rates.

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.

Rate Comparisons

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

  • The best discount rate is $717
  • Choosing higher $1,000 deductibles can save around $136 each year
  • The estimated rate for a good driver age 40 with $500 deductibles is $1,218
  • Using low deductibles for comp and collision coverage costs an additional $264 a year
  • High-risk insureds who are prone to accidents and violations could pay upwards of $2,632 or more
  • Policy cost with full coverage for a teen driver may cost $4,716 each year

View Chart as Image

Kia Cadenza insurance cost comparison chart
Column chart showing full coverage Kia Cadenza insurance prices range from $717 to $4,716

Car insurance rates for a Kia Cadenza also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.

More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged upwards of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 42% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $400 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Kia Cadenza insurance rates. A good driver about age 40 could pay as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,650 on average in Michigan, New York, and Florida.

Kia Cadenza Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,102 -$116 -9.5%
Alaska $934 -$284 -23.3%
Arizona $1,014 -$204 -16.7%
Arkansas $1,218 -$0 0.0%
California $1,390 $172 14.1%
Colorado $1,166 -$52 -4.3%
Connecticut $1,254 $36 3.0%
Delaware $1,380 $162 13.3%
Florida $1,524 $306 25.1%
Georgia $1,124 -$94 -7.7%
Hawaii $876 -$342 -28.1%
Idaho $826 -$392 -32.2%
Illinois $908 -$310 -25.5%
Indiana $918 -$300 -24.6%
Iowa $822 -$396 -32.5%
Kansas $1,158 -$60 -4.9%
Kentucky $1,664 $446 36.6%
Louisiana $1,804 $586 48.1%
Maine $754 -$464 -38.1%
Maryland $1,006 -$212 -17.4%
Massachusetts $976 -$242 -19.9%
Michigan $2,118 $900 73.9%
Minnesota $1,020 -$198 -16.3%
Mississippi $1,460 $242 19.9%
Missouri $1,080 -$138 -11.3%
Montana $1,310 $92 7.6%
Nebraska $962 -$256 -21.0%
Nevada $1,462 $244 20.0%
New Hampshire $880 -$338 -27.8%
New Jersey $1,364 $146 12.0%
New Mexico $1,080 -$138 -11.3%
New York $1,284 $66 5.4%
North Carolina $702 -$516 -42.4%
North Dakota $998 -$220 -18.1%
Ohio $842 -$376 -30.9%
Oklahoma $1,252 $34 2.8%
Oregon $1,118 -$100 -8.2%
Pennsylvania $1,164 -$54 -4.4%
Rhode Island $1,628 $410 33.7%
South Carolina $1,104 -$114 -9.4%
South Dakota $1,028 -$190 -15.6%
Tennessee $1,068 -$150 -12.3%
Texas $1,470 $252 20.7%
Utah $902 -$316 -25.9%
Vermont $834 -$384 -31.5%
Virginia $730 -$488 -40.1%
Washington $944 -$274 -22.5%
West Virginia $1,118 -$100 -8.2%
Wisconsin $844 -$374 -30.7%
Wyoming $1,088 -$130 -10.7%

View Chart as Image

Kia Cadenza insurance rates by U.S. city

Because rates have so much variability, the only way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate rates, so rate quotes will be varied between companies.

Kia Cadenza Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Kia Cadenza $282 $512 $442 $1,394
2019 Kia Cadenza $270 $474 $452 $1,354
2018 Kia Cadenza $260 $446 $456 $1,320
2017 Kia Cadenza $248 $400 $460 $1,266
2016 Kia Cadenza $232 $368 $460 $1,218
2015 Kia Cadenza $224 $346 $464 $1,192
2014 Kia Cadenza $220 $322 $474 $1,174

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

Finding cheaper rates on Kia Cadenza insurance takes being a safe and courteous driver, having a good credit score, being claim-free, and maximizing policy discounts. Set aside time to compare rates every couple of years by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below is a quick review of the material that was covered above.

  • Drivers who require higher levels of liability will pay an extra $510 annually to raise limits from a 30/60 limit to higher 250/500 limits
  • Teenage drivers are expensive to insure, possibly costing $393 each month if comprehensive and collision insurance is included
  • High-risk drivers with a DUI or reckless driving violation may pay on average $1,410 more each year for auto insurance
  • Increasing comprehensive and collision deductibles could save up to $400 each year

Rates by Driver Age

Kia Cadenza Insurance Rates by Driver Age
Driver Age Premium
16 $4,716
20 $2,800
30 $1,256
40 $1,218
50 $1,116
60 $1,094

Full coverage, $500 deductibles

Rates by Deductible

Kia Cadenza Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,482
$250 $1,360
$500 $1,218
$1,000 $1,082

Full coverage, driver age 40

Rates by Liability Limit

Kia Cadenza Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,218
50/100 $1,310
100/300 $1,425
250/500 $1,724
100 CSL $1,356
300 CSL $1,609
500 CSL $1,793

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Cadenza Insurance Rates for High Risk Drivers
Age Premium
16 $6,688
20 $4,460
30 $2,674
40 $2,632
50 $2,516
60 $2,492

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 $167

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $65
Homeowner $20
5-yr Accident Free $82
5-yr Claim Free $78
Paid in Full/EFT $50
Advance Quote $57
Online Quote $85
Total Discounts $501
Rate after discounts $717

Discounts are estimated and may not be available from every company or in every state.

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