Kia Cadenza Insurance Rates
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UPDATED: May 27, 2024
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U.S. average insurance rates for a Kia Cadenza are $1,218 a year including full coverage. Comprehensive insurance costs approximately $232, collision insurance costs $368, and liability costs around $460. A policy with just liability insurance costs as low as $510 a year, and coverage for high-risk drivers costs $2,632 or more. Teen drivers pay the highest rates at up to $4,716 a year.
Average premium for full coverage: $1,218
Price estimates by individual coverage:
Includes $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for different Cadenza trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Kia Cadenza insurance prices range from the low end price of $510 for the bare minimum liability coverage to a much higher rate of $2,632 for a policy for a high-risk driver.
Geographic Price Range
Where you live can make a big difference on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than larger metro areas. The price range example below illustrates how where you live affects auto insurance prices.
The ranges above highlight why anyone shopping for car insurance should compare prices using their specific location, instead of making a decision based on 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.
Additional Rate Information
The chart below breaks down average Kia Cadenza insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $717
- Using higher $1,000 deductibles will save $136 every year
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,218
- Choosing more expensive low deductibles for physical damage coverage will cost an additional $264 annually
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,632
- The price that insures a 16-year-old driver with full coverage can cost $4,716 or more
Insurance prices for a Kia Cadenza are also quite variable based on the model year and trim level, your driving record and age, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,400 to $2,000 extra each year, depending on your age. High-risk driver insurance can be from 42% to 128% more than average. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,700 a year. View Rates by Age
The state you live in has a huge impact on Kia Cadenza insurance prices. A driver around age 40 might see prices as low as $940 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,740 on average in Louisiana, 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% |
Choosing high deductibles could cut prices by as much as $400 annually, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit
| 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 the Cheapest Kia Cadenza Insurance
Getting lower rates on insurance for a Kia Cadenza requires avoiding accidents and claims, having above-average credit, being claim-free, and possibly raising deductibles. Shop around every year by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.
The points below are a recap of the coverage data touched on in the above illustrations.
- You may be able to save around $140 per year just by shopping early and online
- Increasing physical damage deductibles can save approximately $400 each year
- Drivers under the age of 20 are expensive to insure, possibly costing $393 a month if full coverage is included
- Drivers considered higher risk that have major violations or accidents will likely pay on average $1,410 more per year to insure a Kia Cadenza
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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