Kia Cadenza Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: May 27, 2024
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Average insurance rates for a Kia Cadenza are $1,218 a year including full coverage. Comprehensive costs approximately $232 each year, collision insurance costs $368, and liability insurance costs $460. Buying just liability costs as little as $510 a year, and insurance for high-risk drivers costs around $2,632. 16-year-old drivers receive the highest rates at up to $4,716 a year.
Average premium for full coverage: $1,218
Rate estimates by individual coverage type:
Prices are based on $500 deductible amounts, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and Cadenza models.
Price Range by Coverage and Risk
For the average driver, prices range range from the low end price of $510 for the bare minimum liability coverage to a high rate of $2,632 for a driver required to buy high-risk insurance.
Price Range by Location
Your location has a significant impact on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than congested cities. The graphic below illustrates how location impacts auto insurance prices.
These examples highlight why all drivers should compare rates using their specific location, rather than relying on rate 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 Information
The chart below breaks down average Kia Cadenza insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $717
- Drivers who choose higher $1,000 deductibles will pay $136 every year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,218
- Buying low deductibles for comprehensive and collision insurance bumps up the cost to $1,482
- High risk drivers with multiple tickets or accidents could pay around $2,632
- The cost that insures a teen driver can cost $4,716 a year
Auto insurance rates for a Kia Cadenza can also vary considerably based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,400 to $2,000 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 128% more than the average rate. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,700 a year. View Rates by Age
Where you live makes a big difference in Kia Cadenza insurance rates. A 40-year-old driver could pay as low as $940 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,740 on average in Louisiana, 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% |
Opting for high physical damage deductibles could save up to $400 each year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit
| 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 Find Affordable Kia Cadenza Insurance
Saving money on Kia Cadenza insurance not only requires having a good driving record, but also maintaining a good credit score, not filing small claims, and possibly higher deductibles. Comparison shop at every policy renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.
The next list is a brief review of the data touched on above.
- Drivers who purchase increased levels of liability coverage will pay around $510 per year to go from a minimum limit to the 250/500 level
- You may be able to save around $140 per year just by quoting online in advance
- Increasing deductibles can save approximately $400 each year
- Drivers age 20 and younger have the highest car insurance rates, as much as $393 per month if the policy includes 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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