Kia Cadenza Insurance Quotes [Rates + Comparison Guide]

The cost of Kia Cadenza auto insurance rates are $1,434 a year, or around $120 a month on average. 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.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 25, 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

If you are actively comparing Kia Cadenza car insurance rates, you should know that full coverage costs an average of $1,434 a year, or $120 each month. However, Kia Cadenza rates can be reduced to $575 a year, or $48 every month by going with a liability-only policy.

In order to discover Kia Cadenza insurance rates that fit your needs and budget, take advantage of this constructive article. It outlines everything you need to know, including determining factors that influence rates.

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 rates 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 Chevrolet Sonic, Chevrolet Impala, and Toyota Avalon.

Vehicle Comprehensive Collision Liability Total
Chevrolet Sonic $270 $536 $398 $1,362
Chevrolet Impala $280 $532 $372 $1,342
Toyota Avalon $320 $536 $338 $1,330
Ford Fusion $336 $626 $372 $1,492
Mazda 3 $308 $562 $372 $1,400
Honda Civic $280 $656 $420 $1,536
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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

The average Kia Cadenza auto insurance rates are higher for newer models. 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 the cost of Kia Cadenza car insurance. For example, a 20-year-old driver could pay around $146 more each month for their Kia Cadenza car insurance than a 30-year-old driver.

Driver Location

Where you live can have a large impact on Kia Cadenza insurance rates. For example, drivers in Los Angeles may pay $1,233 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of Kia Cadenza car 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 Features

The numerous safety features of the Kia Cadenza help contribute to lower insurance rates. The 2019 Kia Cadenza has the following safety features:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Integrated Turn Signal Mirrors
  • Traction Control
  • Blind Spot Monitor
  • Cross-Traffic Alert

Kia Cadenza Insurance Loss Probability

Review the Kia Cadenza car insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury. 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 car 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 auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Kia Cadenza car insurance rates

  • Ask About Seasonal Insurance for Your Kia Cadenza
  • Buy An Older Kia Cadenza
  • Apply for Your Full, Unrestricted License as Soon as You’re Eligible
  • Remove Young Drivers from Your Kia Cadenza Insurance Plan
  • Pay Your Kia Cadenza Insurance Upfront

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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