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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U.S. average insurance prices for a Kia Cadenza are $1,218 every 12 months for full coverage insurance. Comprehensive costs an estimated $232 a year, collision costs $368, and liability coverage costs $460. A policy with just liability insurance costs as little as $510 a year, with coverage for high-risk drivers costing around $2,632. Teen drivers pay the highest rates at $4,716 a year or more.
Average premium for full coverage: $1,218
Price estimates broken down by individual coverage:
Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and Cadenza trim levels.
Price Range from Low to High
For a 40-year-old driver, Kia Cadenza insurance prices go from the cheapest price of $510 for just liability coverage to a high of $2,632 for a driver required to buy high-risk insurance.
Geographic Price Range
Your location has a large influence on the price of insurance. More rural locations have more infrequent physical damage claims than larger metro areas.
The diagram below illustrates how your location can change insurance prices.
The ranges above illustrate why it is important to compare rates for a targeted area and their own driving history, rather than 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.
Detailed Rate Analysis
The chart below illustrates estimated Kia Cadenza insurance rates for other coverage scenarios.
- The lowest rate with discounts is $717
- Drivers who choose higher $1,000 deductibles will pay approximately $1,082 each year
- The average price for the average middle-age driver who has $500 deductibles is $1,218
- Choosing low $100 deductibles for comprehensive and collision insurance increases the price to $1,482
- High-risk insureds with multiple violations and an at-fault accident could pay up to $2,632 or more
- The price to insure a teenage driver can cost as much as $4,716 a year
Insurance prices for a Kia Cadenza are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.
Choosing high deductibles could save up to $400 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may only pay around $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay at least $4,700 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy can cost around 42% to 128% more than average. View High Risk Driver Rates
The state you live in makes a big difference in Kia Cadenza insurance rates. A 40-year-old driver could pay as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,650 on average in Florida, New York, and Michigan.
| 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% |
Since prices can be so different, the only way to figure out which car insurance is cheapest is to get quotes and see how they stack up. Every company uses a different rate calculation, so the prices may be quite different.
| 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 Shop for the Best Kia Cadenza Insurance
Getting lower rates on auto insurance not only requires avoiding accidents and claims, but also having good credit, not filing small claims, and taking advantage of discounts. Invest the time to shop around at every policy renewal by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The points below are a brief recap of the data illustrated above.
- Consumers who want increased liability limits will pay about $510 annually to go from a low limit to a 250/500 level
- It is possible to save approximately $140 per year simply by quoting early and online
- Increasing physical damage deductibles could save as much as $400 each year
- Drivers under the age of 20 are charged the highest prices, as much as $393 a month if they have full coverage
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,482 |
| $250 | $1,360 |
| $500 | $1,218 |
| $1,000 | $1,082 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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