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Kia Cadenza Insurance Cost Estimate [Everything You Need to Know]

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 $120 per month for full coverage, but liability-only coverage costs $48 per month. Continue reading this guide to learn how you can save $591 on Kia Cadenza insurance rates per year.

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

Table of Contents

Kia Cadenza Insurance Cost

The average Kia Cadenza auto insurance costs are $1,434 a year or $120 a month.

Are Kia Cadenzas Expensive to Insure?

The chart below details how Kia Cadenza insurance rates compare to other sedans like the Subaru Impreza, Dodge Charger, and Subaru WRX.

Vehicle Comprehensive Collision Liability Total
Subaru Impreza $320 $542 $390 $1,410
Dodge Charger $376 $626 $466 $1,668
Subaru WRX $320 $566 $338 $1,360
Hyundai Elantra $280 $562 $372 $1,372
Audi A3 $282 $566 $398 $1,404
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 can impact the total price you will pay for Kia Cadenza insurance coverage.

Age of the Vehicle

Older Kia Cadenza models generally cost less to insure. For example, auto 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 auto insurance rates. As an example, a 30-year-old driver pays around $63 more each year for their Kia Cadenza auto insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Kia Cadenza insurance rates. For example, drivers in Houston may pay $1,057 a year more than drivers in Columbus.

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 Safety Ratings

Your Kia Cadenza auto insurance rates are tied to the Kia Cadenza’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side N/A
Small overlap front: passenger-side N/A
Moderate overlap front N/A
Side N/A
Roof strength N/A
Head restraints and seats N/A
Source: Insurance Institute for Highway Safety
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Kia Cadenza Crash Test Ratings

Good Kia Cadenza crash test ratings can lower your Kia Cadenza auto insurance rates. 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

Having a variety of safety features on your Kia Cadenza can help lower your insurance costs. According to AutoBlog, the 2020 Kia Cadenza’s safety features include:

  • Electronic Stability Control (ESC)
  • ABS And Driveline Traction Control
  • Side Impact Beams
  • Dual Stage Driver And Passenger Seat-Mounted Side Airbags
  • Parking Distance Warning Rear Parking Sensors
  • Blind Spot Collision Warning (BCW) Blind Spot
  • and Rear Cross-Traffic Collision Warning
  • Tire Specific Low Tire Pressure Warning
  • Dual Stage Driver And Passenger Front Airbags
  • Curtain 1st And 2nd Row Airbags
  • Airbag Occupancy Sensor
  • Driver Knee Airbag
  • Restricted Driving Mode
  • Rear Child Safety Locks
  • Outboard Front Lap And Shoulder Safety Belts -inc: Rear Center 3 Point, Height Adjusters and Pretensioners
  • Rear View Monitor with Parking Guidance Back-Up Camera

Kia Cadenza Insurance Loss Probability

Another contributing factor that affects Kia Cadenza auto insurance rates is the loss probability for each type of coverage.

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, you will pay more if you purchase Kia Cadenza auto insurance at the dealership, so be sure to shop around and compare Kia Cadenza auto insurance quotes from the best companies using our FREE tool below.

5 Ways to Save on Kia Cadenza Insurance

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

  • Check for Organization-Based Discounts, like Alumni or Employer Discounts
  • Make Sure You’re Raising a Safe Driver
  • Ask About Student Discounts
  • Compare Kia Cadenza Insurance Rates Online
  • Ask About Kia Cadenza Safety Discounts

Top Kia Cadenza Insurance Companies

Who is the best 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 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

Save on your Kia Cadenza auto insurance rates by taking advantage of our FREE comparison tool.

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