Kia Cadenza Insurance Rates

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Lower Your 2015 Kia Cadenza Insurance Rates in 2025

Buyers have options when searching for the lowest priced Kia Cadenza insurance. You can either spend your time driving around trying to get quotes or leverage the internet to get rate quotes. There is a right way and a wrong way to find insurance coverage online so we're going to tell you the absolute fastest way to compare rates for a Kia and get the lowest possible price. Finding affordable cove...

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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The average insurance prices for a Kia Cadenza are $1,218 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $232, collision costs $368, and liability coverage is estimated at $460. Buying just liability costs approximately $510 a year, with insurance for high-risk drivers costing $2,632 or more. 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 by type of insurance:

Comprehensive $232
Collision $368
Liability $460

Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for all Cadenza models.

Price Range Variability

For a 40-year-old driver, Kia Cadenza insurance rates go from the cheapest price of $510 for your basic liability-only policy to the much higher price of $2,632 for coverage for higher-risk drivers.

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

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than congested cities.

The example below illustrates how your location can change auto insurance prices.

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

The examples above illustrate why everyone should get quotes using their specific location and their own driving history, rather than 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.

More Rate Information

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

  • The best full coverage rate is $717
  • Choosing higher $1,000 deductibles can save $136 each year
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,218
  • Buying pricier low deductibles for comp and collision coverage costs an extra $264 each year
  • Drivers with multiple tickets or accidents could pay around $2,632 or more
  • Policy cost to insure a teenage driver for full coverage can cost $4,716 each year

View Chart as Image

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

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

Opting for high physical damage deductibles can save as much as $400 a year, whereas buying more liability protection will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect 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 extra every year, depending on your age. Kia Cadenza insurance for high-risk drivers ranges around 42% to 128% more than the average rate. View High Risk Driver Rates

Your home state plays a big part in determining prices for Kia Cadenza insurance rates. A good driver about age 40 could pay as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or at least $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 regularly compare rates and see how they stack up. Each auto insurer utilizes a different rate formula, so the 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 auto insurance takes being a good driver, having good credit, being claim-free, and maximizing policy discounts. Invest the time to shop around at least once a year by requesting quotes from direct insurance companies, and also from local insurance agencies.

The following list is a brief recap of the primary concepts that were illustrated above.

  • It is possible to save around $140 per year simply by quoting online well ahead of the renewal date
  • Drivers who tend to receive serious violations may have to pay on average $1,410 more per year than a safer driver
  • Increasing comprehensive and collision deductibles could save as much as $400 each year
  • Drivers age 16 to 20 are expensive to insure, possibly costing $393 each month if they have full coverage

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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