Buy Cheap Kia Cadenza Auto Insurance in 2023
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.
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Cynthia Lanctot
Licensed Agent
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.
Licensed Agent
UPDATED: Jul 26, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 26, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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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 |
However, there are a few things you can do to find the cheapest Kia insurance rates online.
Read more: Buy Cheap Chrysler Auto Insurance in (2023)
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 |
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 | |
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 | ||||
|---|---|---|---|---|
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 air bags
- Dual front and rear seat-mounted side air bags
- Full-length side curtain air bags
- Driver’s knee air bag
- 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 | |
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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To start comparing Kia Cadenza car insurance quotes for free, use our online car insurance comparison tool.
Frequently Asked Questions
What factors affect the cost of Kia Cadenza auto insurance in 2023?
Several factors can influence the cost of Kia Cadenza auto insurance in 2023, including:
- Your driving record: If you have a clean driving record with no accidents or violations, you may qualify for lower insurance rates.
- Location: Insurance rates can vary based on where you live. Areas with higher crime rates or greater instances of accidents may have higher insurance premiums.
- Vehicle model and year: Newer models and higher-end trims may have higher insurance premiums due to their higher value and potential repair costs.
- Coverage and deductible: The type and amount of coverage you choose, as well as the deductible you select, can affect your insurance rates.
How can I find How can I find cheap Kia Cadenza auto insurance in 2023?cheap Kia Cadenza auto insurance in 2023?
To find affordable Kia Cadenza auto insurance in 2023, consider the following steps:
- Shop around: Obtain quotes from multiple insurance providers to compare prices and coverage options.
- Maintain a clean driving record: Safe driving habits can help you qualify for lower insurance rates.
- Opt for higher deductibles: Choosing a higher deductible can lower your insurance premium, but it also means you’ll have to pay more out of pocket in the event of a claim.
- Bundle policies: Some insurance companies offer discounts if you bundle your auto insurance with other policies, such as homeowners or renters insurance.
- Inquire about discounts: Ask insurance providers about any available discounts, such as safe driver discounts, multi-vehicle discounts, or loyalty discounts.
Are there any pros to buying cheap Kia Cadenza auto insurance in 2023?
Pros of buying cheap Kia Cadenza auto insurance may include:
- Cost savings: Lower insurance premiums can save you money on your monthly expenses.
- Compliance with legal requirements: Auto insurance is mandatory in most states, so purchasing affordable coverage ensures you meet legal obligations.
What are the cons of buying cheap Kia Cadenza auto insurance in 2023?
Cons of buying cheap Kia Cadenza auto insurance may include:
- Limited coverage: Cheaper insurance policies may provide less comprehensive coverage, which could leave you financially vulnerable in the event of an accident or theft.
- Higher deductibles: Opting for a lower premium often means selecting a higher deductible, which can result in higher out-of-pocket expenses if you need to file a claim.
- Less favorable customer service: Some low-cost insurance providers may not offer the same level of customer service or claims support as larger, more established companies.
Are there any specific insurance companies known for offering affordable Kia Cadenza
Insurance companies vary in their pricing and offerings, so it’s essential to research and compare quotes from multiple providers. However, some insurance companies may be known for offering competitive rates or discounts that could potentially make Kia Cadenza auto insurance more affordable. It’s advisable to check with insurance providers, obtain quotes, and evaluate their coverage options and discounts specific to your needs.
Compare Quotes From Top Companies and Save
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Cynthia Lanctot
Licensed Agent
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.
Licensed Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.