Kia Cadenza Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 27, 2024
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The average auto insurance rates for a Kia Cadenza are $1,218 annually for full coverage insurance. Comprehensive costs an estimated $232, collision costs $368, and liability costs $460. Liability-only coverage costs as little as $510 a year, with high-risk coverage costing around $2,632. Teens cost the most to insure at $4,716 a year or more.
Average premium for full coverage: $1,218
Policy rates broken down by type of insurance:
These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for different Cadenza trim levels.
Price Range Variability
For the normal driver, Kia Cadenza insurance rates go from as cheap as $510 for your basic liability-only policy to a much higher rate of $2,632 for a high-risk driver policy.
Urban vs. Rural Price Range
Your location can make a big difference on the price of insurance. More rural locations are shown to have fewer physical damage claims than cities with more traffic congestion.
The price range example below illustrates how geographic area affects insurance prices.
The examples above illustrate why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, instead of making a decision based on averaged prices.
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 other coverage scenarios.
- The cheapest rate after discounts is $717
- Drivers who choose higher $1,000 deductibles will pay approximately $136 each year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,218
- Selecting more expensive low deductibles for comprehensive and collision insurance will cost $1,482
- Drivers with serious driving violations could pay up to $2,632 or more
- Policy cost with full coverage for a 16-year-old driver with full coverage can cost as much as $4,716 a year
Insurance rates for a Kia Cadenza also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.
An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay at least $4,700 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying $1,400 to $2,000 additional every year, depending on your age. High-risk driver insurance can cost from 42% to 128% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $400 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Kia Cadenza insurance prices. A 40-year-old driver could pay as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,650 on average in Florida, 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% |
Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates from multiple companies. Every company calculates rates differently, and rates will be varied between companies.
| 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 Buy Cheap Kia Cadenza Insurance
Finding cheaper rates on insurance for a Kia Cadenza not only requires being safe and accident-free, but also having good credit, being claim-free, and maximizing policy discounts. Invest the time to compare rates every time your policy renews by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below you'll find a brief summary of the information presented in the illustrations above.
- It is possible to save approximately $140 per year simply by shopping early and online
- Youthful drivers are expensive to insure, possibly costing $393 each month if they have full coverage
- Increasing comprehensive and collision deductibles could save up to $400 each year
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,410 more annually than a low-risk driver
- Insureds who want more liability protection will pay approximately $510 annually to go from a 30/60 limit to higher 250/500 limits
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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