Kia Cadenza Insurance Rates

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UPDATED: May 27, 2024

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The average insurance rates for a Kia Cadenza are $1,218 a year including full coverage. Comprehensive costs around $232 each 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. 16-year-old drivers cost the most to insure at $4,716 a year or more.

Average premium for full coverage: $1,218

Policy rates for type of insurance:

Comprehensive $232
Collision $368
Liability $460

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Cadenza models.

Price Range Variability

For a 40-year-old driver, Kia Cadenza insurance rates go from as low as $510 for a discount liability-only rate to a high rate of $2,632 for a high-risk insurance policy.

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

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than congested cities.

The graphic below illustrates how your location can change auto insurance rates.

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

The examples above highlight why all drivers should get quotes for a specific zip code and risk profile, instead of using 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.

Rates by State, City, and Model

The chart below breaks down estimated Kia Cadenza insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $717
  • Choosing higher $1,000 deductibles can save about $136 every year
  • The average rate for a good driver age 40 using $500 deductibles is $1,218
  • Buying low deductibles for comp and collision coverage will increase the cost to $1,482
  • Unlucky drivers with multiple tickets or accidents could pay at least $2,632 or more
  • Policy cost for full coverage for a teen driver can be $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 your risk profile, the model of your Cadenza, and deductibles and policy limits.

More mature drivers with a good driving record and high deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay as much as $4,700 a year. View Rates by Age

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 $940 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,740 on average in Michigan, New York, and Louisiana.

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

Opting for high physical damage deductibles can save as much as $400 every year, whereas increasing liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,400 to $2,000 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges as much as 42% to 128% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison and see which company has the best rate. Each auto insurer utilizes a different rate formula, and quoted rates will be varied from one company to the next.

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 Find More Affordable Kia Cadenza Insurance

Finding cheaper rates on car insurance takes being a good driver, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to shop around at least every other year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a summary of the car insurance concepts illustrated above.

  • Higher risk drivers who have multiple accidents or major violations pay on average $1,410 more every year than a safer driver
  • You may be able to save up to $140 per year simply by quoting online in advance
  • Increasing comprehensive and collision deductibles can save around $400 each year
  • Policyholders who may need an increased level of liability coverage will pay around $510 per year to raise limits from a 30/60 limit to 250/500 limits

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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