Kia Cadenza Insurance Rates
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UPDATED: May 27, 2024
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Average auto insurance rates for a Kia Cadenza are $1,266 annually for full coverage. Comprehensive costs on average $248, collision insurance costs $400, and liability coverage costs around $460. Liability-only coverage costs as low as $510 a year, and high-risk coverage costs around $2,736. Teen drivers receive the highest rates at up to $4,866 a year.
Average premium for full coverage: $1,266
Rate estimates by individual coverage type:
Estimates include $500 deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all states and for all Cadenza models.
Price Range by Coverage and Risk
For the normal driver, prices range range from as cheap as $510 for just liability insurance to the much higher price of $2,736 for a policy for a high-risk driver.
Price Range by Location
Where you live has a large influence on car insurance rates. Rural areas tend to have fewer accident claims than larger metro areas. The example below illustrates how geographic area affects car insurance rates.
These examples show why everyone should compare prices based on a specific location and their own personal driving habits, 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.
More Rate Details
The chart below shows average Kia Cadenza insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $743
- Using higher $1,000 deductibles will save around $146 a year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,266
- Choosing pricier low deductibles for physical damage coverage will cost $1,550
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,736
- The cost with full coverage for a teenage driver for full coverage may cost $4,866 or more
Car insurance rates for a Kia Cadenza can also vary considerably based on the trim level of your Cadenza, your driver profile, and policy deductibles and limits.
A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,200 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged upwards of $4,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,500 to $2,100 extra per year, depending on your age. Kia Cadenza insurance for high-risk drivers can be around 43% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $430 a year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Kia Cadenza insurance rates. A driver around age 40 might see rates as low as $840 a year in states like Idaho, Maine, and Iowa, or as much as $1,810 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,146 | -$120 | -9.5% |
| Alaska | $972 | -$294 | -23.2% |
| Arizona | $1,052 | -$214 | -16.9% |
| Arkansas | $1,266 | -$0 | 0.0% |
| California | $1,444 | $178 | 14.1% |
| Colorado | $1,212 | -$54 | -4.3% |
| Connecticut | $1,304 | $38 | 3.0% |
| Delaware | $1,436 | $170 | 13.4% |
| Florida | $1,586 | $320 | 25.3% |
| Georgia | $1,170 | -$96 | -7.6% |
| Hawaii | $910 | -$356 | -28.1% |
| Idaho | $858 | -$408 | -32.2% |
| Illinois | $944 | -$322 | -25.4% |
| Indiana | $954 | -$312 | -24.6% |
| Iowa | $854 | -$412 | -32.5% |
| Kansas | $1,204 | -$62 | -4.9% |
| Kentucky | $1,730 | $464 | 36.7% |
| Louisiana | $1,876 | $610 | 48.2% |
| Maine | $784 | -$482 | -38.1% |
| Maryland | $1,046 | -$220 | -17.4% |
| Massachusetts | $1,014 | -$252 | -19.9% |
| Michigan | $2,202 | $936 | 73.9% |
| Minnesota | $1,062 | -$204 | -16.1% |
| Mississippi | $1,518 | $252 | 19.9% |
| Missouri | $1,124 | -$142 | -11.2% |
| Montana | $1,362 | $96 | 7.6% |
| Nebraska | $1,000 | -$266 | -21.0% |
| Nevada | $1,520 | $254 | 20.1% |
| New Hampshire | $914 | -$352 | -27.8% |
| New Jersey | $1,418 | $152 | 12.0% |
| New Mexico | $1,122 | -$144 | -11.4% |
| New York | $1,336 | $70 | 5.5% |
| North Carolina | $730 | -$536 | -42.3% |
| North Dakota | $1,038 | -$228 | -18.0% |
| Ohio | $876 | -$390 | -30.8% |
| Oklahoma | $1,304 | $38 | 3.0% |
| Oregon | $1,162 | -$104 | -8.2% |
| Pennsylvania | $1,210 | -$56 | -4.4% |
| Rhode Island | $1,692 | $426 | 33.6% |
| South Carolina | $1,148 | -$118 | -9.3% |
| South Dakota | $1,070 | -$196 | -15.5% |
| Tennessee | $1,110 | -$156 | -12.3% |
| Texas | $1,528 | $262 | 20.7% |
| Utah | $938 | -$328 | -25.9% |
| Vermont | $868 | -$398 | -31.4% |
| Virginia | $760 | -$506 | -40.0% |
| Washington | $982 | -$284 | -22.4% |
| West Virginia | $1,162 | -$104 | -8.2% |
| Wisconsin | $878 | -$388 | -30.6% |
| Wyoming | $1,130 | -$136 | -10.7% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Kia Cadenza | $298 | $530 | $430 | $1,416 |
| 2019 Kia Cadenza | $282 | $512 | $442 | $1,394 |
| 2018 Kia Cadenza | $270 | $474 | $452 | $1,354 |
| 2017 Kia Cadenza | $260 | $446 | $456 | $1,320 |
| 2016 Kia Cadenza | $248 | $400 | $460 | $1,266 |
| 2015 Kia Cadenza | $232 | $368 | $460 | $1,218 |
| 2014 Kia Cadenza | $224 | $346 | $464 | $1,192 |
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 Low Cost Kia Cadenza Insurance
Saving money on auto insurance requires not taking risks behind the wheel, having a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Invest the time to compare rates every year by requesting quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.
The following is a review of the coverage data presented in the illustrations above.
- Drivers can save as much as $150 per year just by quoting online well ahead of the renewal date
- Increasing deductibles could save up to $425 each year
- Teens are expensive to insure, costing as high as $406 per month if comprehensive and collision insurance is included
- Drivers who have several accidents or serious violations may be required to pay an average of $1,470 more each year for Cadenza insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,866 |
| 20 | $2,910 |
| 30 | $1,310 |
| 40 | $1,266 |
| 50 | $1,160 |
| 60 | $1,136 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,550 |
| $250 | $1,420 |
| $500 | $1,266 |
| $1,000 | $1,120 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,266 |
| 50/100 | $1,358 |
| 100/300 | $1,473 |
| 250/500 | $1,772 |
| 100 CSL | $1,404 |
| 300 CSL | $1,657 |
| 500 CSL | $1,841 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,912 |
| 20 | $4,638 |
| 30 | $2,784 |
| 40 | $2,736 |
| 50 | $2,616 |
| 60 | $2,592 |
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 | $66 |
| Multi-vehicle | $67 |
| Homeowner | $20 |
| 5-yr Accident Free | $87 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $53 |
| Advance Quote | $60 |
| Online Quote | $89 |
| Total Discounts | $523 |
Discounts are estimated and may not be available from every company or in every state.
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