UPDATED: Oct 27, 2020
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- 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.
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.
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.
|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 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.
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:
|Small overlap front: driver-side||N/R|
|Small overlap front: passenger-side||N/R|
|Moderate overlap front||N/R|
|Head restraints and seats||N/R|
|Source: Insurance Institute for Highway Safety|
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:
|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
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|
|Source: Insurance Institute for Highway Safety|
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.
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.
|Source: Insurance Information Institute|
Compare Free Kia Cadenza Insurance Quotes Online
To start comparing Kia Cadenza car insurance quotes for free, use our online car insurance comparison tool.