How Much is Insurance for a Kia Cadenza?

Average auto insurance rates for a Kia Cadenza cost $1,434 a year, or around $120 a month. Shop around to find cheap Kia Cadenza insurance rates. On average, Kia Cadenza comprehensive insurance coverage costs $349, collision coverage costs $510, and liability coverage costs $405.

UPDATED: Jul 16, 2021Fact Checked

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Jul 16, 2021

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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 don’t need to trip you up. Full coverage for a Kia Cadenza costs around $1,434 a year or $120 each month. Keep reading to learn about Kia Cadenza rate factors and what you can do to save money.

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 Kia Cadenza car insurance costs are $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 Kia Optima, Chrysler 300, and Honda Civic.

Vehicle Comprehensive Collision Liability Total
Kia Optima $322 $532 $420 $1,454
Chrysler 300 $332 $626 $398 $1,514
Honda Civic $280 $656 $420 $1,536
Subaru Impreza $320 $542 $390 $1,410
Dodge Charger $376 $626 $466 $1,668
Hyundai Sonata $294 $532 $420 $1,426
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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?

The Kia Cadenza trim and model you choose will affect the total price you will pay for Kia Cadenza insurance coverage.

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 impact on the cost of Kia Cadenza auto insurance. For example, 20-year-old drivers pay as much as $1,817 more each year for their Kia Cadenza auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Kia Cadenza insurance rates. For example, drivers in Los Angeles may pay $530 a year more than drivers in Philadelphia.

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 car insurance with violations on their driving record.

Kia Cadenza Safety Ratings

Your Kia Cadenza car insurance rates are tied to the safety ratings of the Kia Cadenza. See the breakdown below:

Test Type Rating
Small overlap front: driver-side N/R
Small overlap front: passenger-side N/R
Moderate overlap front N/R
Side N/R
Roof strength N/R
Head restraints and seats N/R
Source: Insurance Institute for Highway Safety
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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 more safety features you have on your Kia Cadenza, the more likely it is that you can earn a discount. The Kia Cadenza’s safety features include:

  • Dual front advanced airbags
  • Dual front and rear seat-mounted side airbags
  • Full-length side curtain airbags
  • Driver’s knee airbag
  • Anti-lock braking system (ABS)
  • Vehicle stability management
  • Electronic stability control
  • Traction control system
  • Brake assist system
  • Brake-force distribution
  • Hill-start assist control
  • Tire-pressure monitoring system

Kia Cadenza Insurance Loss Probability

The Kia Cadenza’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Kia Cadenza, others are more favorable and lead to lower insurance rates.

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

When 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 car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Kia Cadenza Insurance

Although it may seem like your Kia Cadenza car insurance rates are set, there are a few measures that you can take to secure the best Kia Cadenza car insurance rates possible. Take a look at the following five ways to save on Kia Cadenza auto insurance.

  • Understand the Different Types of Auto Insurance for Your Kia Cadenza
  • Check for Organization-Based Discounts, like Alumni or Employer Discounts
  • Choose a Kia Cadenza with Cheaper Repair Costs
  • Consider Using a Tracking Device on Your Kia Cadenza
  • Pay Your Kia Cadenza Insurance Upfront

Top Kia Cadenza Insurance Companies

Who is the top car insurance company for Kia Cadenza insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Kia Cadenza auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Kia Cadenza offers.

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

To start comparing Kia Cadenza car insurance quotes for free, use our online car insurance comparison tool.

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