Kia Cadenza Insurance Rates
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UPDATED: May 27, 2024
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Estimated auto insurance rates for a Kia Cadenza are $1,266 annually for full coverage insurance. Comprehensive insurance costs approximately $248 each year, collision insurance costs $400, and liability insurance is estimated at $460. Liability-only insurance costs approximately $510 a year, and high-risk driver insurance costs $2,736 or more. 16-year-old drivers pay the most at up to $4,866 a year.
Average premium for full coverage: $1,266
Premium estimates by type of coverage:
Includes $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and Cadenza models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Kia Cadenza range from as cheap as $510 for just the minimum liability insurance to a high rate of $2,736 for a high-risk insurance policy.
Insurance Price Range by Location
Living in a larger city has a significant impact on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than congested cities. The graphic below illustrates the effect of geographic area on auto insurance prices.
These rate differences illustrate why all drivers should get quotes using their specific location and their own personal driving habits, 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 Analysis
The chart below illustrates average Kia Cadenza insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $743
- Choosing higher $1,000 deductibles can save $146 each year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,266
- Buying low deductibles for comp and collision coverage costs an additional $284 a year
- High-risk insureds with multiple tickets or accidents could pay around $2,736
- An auto insurance policy with full coverage for a teen driver can cost $4,866 each year
Insurance prices for a Kia Cadenza also have a wide range based on the model of your Cadenza, your risk profile, and physical damage deductibles and liability limits.
More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,800 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,500 to $2,100 additional annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $430 each year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Kia Cadenza insurance rates. A good driver about age 40 could pay as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,710 on average in Florida, New York, and Michigan.
| 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 the Cheapest Kia Cadenza Insurance
Finding better rates on Kia Cadenza insurance takes being safe and accident-free, having good credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Take the time to compare rates at least every other year by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.
Below you'll find a recap of the car insurance concepts covered in the above illustrations.
- High-risk drivers that have major violations or accidents could be forced to pay on average $1,470 more per year than a low-risk driver
- It is possible to save around $150 per year just by quoting online in advance
- Increasing policy deductibles could save up to $425 each year
- Drivers who purchase more liability protection will pay around $510 annually to raise limits from 30/60 bodily injury limits to higher 250/500 limits
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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