Kia Cadenza Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2023

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U.S. average insurance prices for a Kia Cadenza are $1,192 every 12 months including full coverage. Comprehensive costs on average $224 each year, collision insurance costs $346, and liability costs around $464. Liability-only coverage costs as low as $514 a year, and high-risk coverage costs around $2,574. Teens pay the highest rates at up to $4,634 a year.

Average premium for full coverage: $1,192

Price estimates by individual coverage:

Comprehensive $224
Collision $346
Liability $464

Prices are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Cadenza models.

Price Range from Low to High

For a driver around age 40, Kia Cadenza insurance prices range from the cheapest price of $514 for basic liability insurance to a high rate of $2,574 for a high-risk insurance policy.

Liability Only $514
Full Coverage $1,192
High Risk $2,574

Geographic Price Range

Where you live can make a big difference on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on car insurance rates.

Rural Areas $894
Small Cities $1,252
Large Cities $1,609

The ranges above highlight why all drivers should compare prices based on a specific location and their own driving history, 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.

Rate Comparisons

The chart below breaks down average Kia Cadenza insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $704
  • Using higher $1,000 deductibles will save around $130 every year
  • The average price for the average middle-age driver with $500 deductibles is $1,192
  • Selecting low deductibles for physical damage coverage increases the price to $1,442
  • High-risk insureds with serious driving violations could pay upwards of $2,574
  • The price to insure a 16-year-old driver may cost $4,634 or more

View Chart as Image

Kia Cadenza insurance cost comparison chart
Column chart showing Kia Cadenza insurance rates range from $704 to $4,634 for full coverage

Auto insurance prices for a Kia Cadenza are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your Cadenza.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $380 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $417 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as low as $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay upwards of $4,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,400 to $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers can be from 43% to 131% more than the average policy. View High Risk Driver Rates

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 $920 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,700 on average in Michigan, New York, and Louisiana.

Kia Cadenza Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,078 -$114 -9.6%
Alaska $914 -$278 -23.3%
Arizona $990 -$202 -16.9%
Arkansas $1,192 -$0 0.0%
California $1,360 $168 14.1%
Colorado $1,140 -$52 -4.4%
Connecticut $1,226 $34 2.9%
Delaware $1,350 $158 13.3%
Florida $1,492 $300 25.2%
Georgia $1,100 -$92 -7.7%
Hawaii $858 -$334 -28.0%
Idaho $806 -$386 -32.4%
Illinois $890 -$302 -25.3%
Indiana $898 -$294 -24.7%
Iowa $806 -$386 -32.4%
Kansas $1,134 -$58 -4.9%
Kentucky $1,628 $436 36.6%
Louisiana $1,766 $574 48.2%
Maine $736 -$456 -38.3%
Maryland $984 -$208 -17.4%
Massachusetts $956 -$236 -19.8%
Michigan $2,072 $880 73.8%
Minnesota $998 -$194 -16.3%
Mississippi $1,428 $236 19.8%
Missouri $1,058 -$134 -11.2%
Montana $1,282 $90 7.6%
Nebraska $940 -$252 -21.1%
Nevada $1,430 $238 20.0%
New Hampshire $858 -$334 -28.0%
New Jersey $1,332 $140 11.7%
New Mexico $1,056 -$136 -11.4%
New York $1,256 $64 5.4%
North Carolina $688 -$504 -42.3%
North Dakota $976 -$216 -18.1%
Ohio $822 -$370 -31.0%
Oklahoma $1,224 $32 2.7%
Oregon $1,092 -$100 -8.4%
Pennsylvania $1,138 -$54 -4.5%
Rhode Island $1,592 $400 33.6%
South Carolina $1,080 -$112 -9.4%
South Dakota $1,008 -$184 -15.4%
Tennessee $1,044 -$148 -12.4%
Texas $1,438 $246 20.6%
Utah $884 -$308 -25.8%
Vermont $818 -$374 -31.4%
Virginia $714 -$478 -40.1%
Washington $922 -$270 -22.7%
West Virginia $1,092 -$100 -8.4%
Wisconsin $826 -$366 -30.7%
Wyoming $1,064 -$128 -10.7%

View Chart as Image

Kia Cadenza insurance rates by U.S. city
Kia Cadenza Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
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 Shop for Affordable Kia Cadenza Insurance

Getting lower rates on insurance for a Kia Cadenza requires being a low-risk driver, having a good credit score, being claim-free, and deciding if full coverage is necessary. Set aside time to compare rates at least every other year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a brief review of the car insurance concepts covered above.

  • Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,380 more each year to insure their Cadenza
  • You may be able to save as much as $140 per year just by quoting online in advance
  • Increasing physical damage deductibles could save as much as $375 each year
  • Insureds who require more liability coverage will pay approximately $510 per year to increase from a low limit to a 250/500 level

Rates by Driver Age

Kia Cadenza Insurance Rates by Driver Age
Driver Age Premium
16 $4,634
20 $2,734
30 $1,226
40 $1,192
50 $1,092
60 $1,070

Full coverage, $500 deductibles

Rates by Deductible

Kia Cadenza Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,442
$250 $1,326
$500 $1,192
$1,000 $1,062

Full coverage, driver age 40

Rates by Liability Limit

Kia Cadenza Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,192
50/100 $1,285
100/300 $1,401
250/500 $1,702
100 CSL $1,331
300 CSL $1,586
500 CSL $1,772

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Cadenza Insurance Rates for High Risk Drivers
Age Premium
16 $6,568
20 $4,358
30 $2,612
40 $2,574
50 $2,458
60 $2,434

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 $163

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $62
Multi-vehicle $64
Homeowner $20
5-yr Accident Free $80
5-yr Claim Free $76
Paid in Full/EFT $48
Advance Quote $55
Online Quote $83
Total Discounts $488
Rate after discounts $704

Discounts are estimated and may not be available from every company or in every state.

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