Kia Cadenza Insurance Rates

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UPDATED: May 27, 2024

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The average insurance prices for a Kia Cadenza are $1,218 every 12 months for full coverage insurance. Comprehensive costs approximately $232 a year, collision costs $368, and liability is estimated at $460. Liability-only insurance costs approximately $510 a year, with high-risk driver insurance costing around $2,632. 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

Rate estimates include $500 deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and Cadenza trim levels.

Price Range Variability

For the normal driver, Kia Cadenza insurance rates go from the cheapest price of $510 for just liability coverage to a high of $2,632 for a high-risk driver policy.

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

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than densely populated cities.

The diagram below illustrates how geographic area affects auto insurance prices.

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

The examples above illustrate why it is important to get quotes using their specific location and their own driving history, instead of making a decision based 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.

Detailed Rate Analysis

The chart below illustrates estimated Kia Cadenza insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $717
  • Choosing higher $1,000 deductibles can save $1,082 each year
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,218
  • Using low $100 deductibles for comp and collision coverage increases the price to $1,482
  • Higher-risk drivers who are prone to accidents and violations could pay around $2,632 or more
  • Policy cost to insure a 16-year-old driver can cost $4,716 each year

View Chart as Image

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

Auto insurance rates for a Kia Cadenza also range considerably based on liability limits and deductibles, your risk profile, and the model of your Cadenza.

Using high physical damage deductibles can save as much as $400 annually, while buying higher liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay in the ballpark of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,400 to $2,000 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges from 42% to 128% more than a normal policy. View High Risk Driver Rates

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

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 who has the best car insurance rates is to get quotes from multiple companies. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied.

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 Shop for the Best Kia Cadenza Insurance

Finding cheaper rates on insurance for a Kia Cadenza takes not taking risks behind the wheel, having a good credit score, being claim-free, and not having any coverage lapses. Invest the time to compare rates every time your policy renews by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

The following is a brief recap of the information presented in the illustrations above.

  • It is possible to save around $140 per year simply by quoting early and online
  • Teens have the highest car insurance rates, possibly costing $393 each month if comprehensive and collision insurance is included
  • Increasing comprehensive and collision deductibles could save as much as $400 each year
  • Drivers considered higher risk who tend to receive serious violations may have to pay on average $1,410 more per year for Cadenza insurance
  • Insureds who purchase higher liability limits will pay an extra $510 annually to raise limits from a 30/60 limit to a 250/500 level

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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