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Kia Cadenza Insurance [How to Find Cheap Rates]

Kia Cadenza insurance costs on average $120 per month, but comprehensive and collision policies can increase your insurance rate. The age of your car and your driving record could also change your Kia Cadenza insurance quote. Learn where to find cheap Kia Cadenza insurance rates in our free quide.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jul 16, 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 a bit less than the average vehicle, with full coverage averaging $1,434 a year or $120 a month. Teen drivers have the highest insurance rates at around $5,241 a year or $437 a month.

Good drivers can save up to $591 a year in policy discounts by remaining safe and courteous drivers. Let’s dig into 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 Kia Cadenza car insurance rates are $1,434 a year or $120 a month.

Enter your zip code below to view companies that have cheap auto insurance rates.

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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 Impala, Chevrolet Sonic, and Dodge Charger.

Vehicle Comprehensive Collision Liability Total
Chevrolet Impala $280 $532 $372 $1,342
Chevrolet Sonic $270 $536 $398 $1,362
Dodge Charger $376 $626 $466 $1,668
Cadillac ATS $294 $566 $398 $1,416
Honda Accord $280 $500 $372 $1,310
Audi A3 $282 $566 $398 $1,404

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 auto insurance rates are higher for newer models. For example, auto insurance rates for a 2017 Kia Cadenza cost $1,434, while 2014 Kia Cadenza rates 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

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 Jacksonville may pay $860 a year more than drivers in Indianapolis.

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

Not only do good Kia Cadenza crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper Kia Cadenza auto insurance rates.

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

Kia Cadenza Safety Features

Most drivers don’t realize that not only do Kia Cadenza safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Kia Cadenza auto insurance rates. The Kia Cadenza’s safety features include:

  • Standard automated emergency braking with pedestrian detection
  • Standard lane-departure warning with lane-keeping assist
  • Standard adaptive cruise control

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

Kia Cadenza Finance and Insurance Cost

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

Enter your zip code below to view companies that have cheap auto insurance rates.

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Ways to Save on Kia Cadenza Insurance

Save more on your Kia Cadenza car insurance rates. Take a look at the following five strategies that will get you the best Kia Cadenza auto insurance rates possible.

  • Audit Your Kia Cadenza Driving When You Move to a New Location or Start a New Job
  • Avoid the Temptation to File a Claim for Minor Incidents
  • Ask for a New Kia Cadenza Auto Insurance Rate Based on Your Improved Credit Score
  • Be Picky About Who Drives Your Kia Cadenza
  • Ask About Kia Cadenza Discounts If You Were Listed on Someone Else’s Policy

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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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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