How Much is Insurance on a Kia Cadenza? [Rates + Coverage Guide]

Kia Cadenza insurance costs around $120 a month, but your age can impact how much you pay for Kia Cadenza insurance coverage. Follow this guide where we compare Kia Cadenza insurance rates by age, then enter your ZIP code into our comparison to find out how much you should be paying for a Kia Cadenza auto insurance policy in your state.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 2020

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Key takeaways:

  • Full coverage costs around $1,434 a year or $120 each month
  • A liability-only policy costs around $575 a year or $48 each month
  • Highest rates are for teenage drivers at around $5,241 a year or $437 each month
  • Good drivers can save as much as $591 a year by earning policy discounts
  • Kia Cadenza insurance costs around $85 less per year than the average vehicle

Kia Cadenza insurance rates are about $85 less per year than the average vehicle. Full coverage insurance for a Kia Cadenza costs around $1,434 a year or $120 a month with teens paying the highest rates around $5,241 a year or $437 a month.

Good drivers can save up to $591 a year in policy discounts by being safe and courteous while driving. Let’s take a quick look at Kia Cadenza insurance rates, insurance loss rates, and more.

You can start comparing quotes for Kia Cadenza car insurance rates from some of the best car insurance companies by using our free online tool now.

Kia Cadenza Insurance Cost

The average auto insurance rates for a Kia Cadenza cost $1,434 a year or $120 a month.

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Are Kia Cadenzas Expensive to Insure?

The chart below details how Kia Cadenza insurance rates compare to other sedans like the Mazda 3, Subaru WRX, and Kia Forte.

Vehicle Comprehensive Collision Liability Total
Mazda 3 $308 $562 $372 $1,400
Subaru WRX $320 $566 $338 $1,360
Kia Forte $322 $500 $372 $1,352
Dodge Charger $376 $626 $466 $1,668
Chevrolet Cruze $308 $594 $372 $1,432
Nissan Versa $268 $542 $390 $1,358
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However, there are a few things you can do to find the cheapest Kia insurance rates online.

What Impacts the Cost of Kia Cadenza Insurance?

Even though the average annual rate for the Kia Cadenza is $1,434, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Kia Cadenza.

Age of the Vehicle

The average Kia Cadenza car insurance rates are higher for newer models. For example, car insurance for a 2017 Kia Cadenza costs $1,434, while 2014 Kia Cadenza insurance costs are $1,354, a difference of $80.

Model Year Comprehensive Collision Liability Total
2017 Kia Cadenza $308 $552 $416 $1,434
2016 Kia Cadenza $298 $530 $430 $1,416
2015 Kia Cadenza $282 $512 $442 $1,394
2014 Kia Cadenza $270 $474 $452 $1,354
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Driver Age

Driver age can have a significant effect on Kia Cadenza car insurance rates. For example, 20-year-old drivers pay $1,754 more for their Kia Cadenza car insurance each year than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Kia Cadenza insurance rates. For example, drivers in New York may pay $373 a year more than drivers in Chicago.

Your Driving Record

Your driving record can have an impact on the cost of Kia Cadenza auto insurance. Teens and drivers in their 20’s see the highest jump in their Kia Cadenza auto insurance rates with violations on their driving record.

Kia Cadenza Crash Test Ratings

Kia Cadenza crash test ratings can impact the cost of your Kia Cadenza car insurance. See Kia Cadenza crash test results below:

Vehicle Tested Overall Frontal Side Rollover
2020 Kia Cadenza 4 DR FWD N/R N/R N/R N/R
2019 Kia Cadenza 4 DR FWD N/R N/R N/R N/R
2018 Kia Cadenza 4 DR FWD N/R N/R N/R N/R
2017 Kia Cadenza 4 DR FWD N/R N/R N/R N/R
2016 Kia Cadenza 4 DR FWD N/R N/R N/R N/R
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Kia Cadenza Safety Features

The Kia Cadenza safety features can help lower insurance costs. According to AutoBlog, the 2020 Kia Cadenza has the following safety features:

  • Forward collision warning
  • Automatic emergency braking
  • Pedestrian detection
  • Lane keep assist
  • Lane follow assist
  • Lane departure warning
  • Blind-spot monitoring
  • Rear cross-traffic alert
  • Adaptive cruise control
  • Reverse automatic braking
  • Rear parking sensors
  • Rearview camera
  • Navigation-based cruise control
  • Driver condition monitor
  • Safe Exit Assist

Kia Cadenza Insurance Loss Probability

The Kia Cadenza’s insurance loss probability varies between different coverage types. The lower percentage means lower Kia Cadenza auto insurance costs; higher percentages mean higher Kia Cadenza auto insurance costs.

Insurance Coverage Category Loss Rate
Collision 15%
Property Damage -9%
Comprehensive 18%
Personal Injury 10%
Medical Payment 17%
Bodily Injury 7%
Source: Insurance Institute for Highway Safety
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Kia Cadenza Finance and Insurance Cost

If you are financing a Kia Cadenza, most lenders will require your carry higher Kia Cadenza coverage options including comprehensive coverage, so be sure to shop around and compare Kia Cadenza auto insurance rates from the best companies using our FREE tool below.

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Ways to Save on Kia Cadenza Insurance

You have more options at your disposal to save money on your Kia Cadenza car insurance costs. For example, try these five tips:

  • Remove Unnecessary Insurance Once Your Kia Cadenza is Paid Off
  • Buy a Dashcam for Your Kia Cadenza
  • Bundle Your Kia Cadenza Auto Insurance with Home Insurance
  • Compare Apples to Apples When Comparing Kia Cadenza Insurance Quotes and Policies
  • Buy a Kia Cadenza with an Anti-Theft Device

Top Kia Cadenza Insurance Companies

The best auto insurance companies for Kia Cadenza car insurance rates will offer competitive rates, discounts, and account for the Kia Cadenza’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Kia Cadenza Insurance Quotes Online

You can start comparing quotes for Kia Cadenza car insurance rates from some of the best car insurance companies by using our free online tool now.

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