Kia Cadenza Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Kia Cadenza costs more than most other cars to insure.

• Full coverage for a Cadenza typically comes in at around $186 a month, while liability only car insurance rates tend to be about $99.

• The cheapest insurance carrier for a Cadenza is Fiesta, who offers prices sometimes as little as $45 monthly.

Cadenza Overview

With a base price of just $37,850 for 2020 models, the Kia Cadenza is a great car for drivers on a budget.

We ran through thousands of auto insurance quotes on Compare.com, and we've determined that average Kia Cadenza insurance premiums run around $180 per month. But compared to other vehicles in the market, are Cadenza car insurance prices higher or lower than those of similar cars?

How Much is Car Insurance for a Kia Cadenza?

If you look at the table above, you'll find that auto insurance rates for a Kia Cadenza are more expensive than average. Cadenza drivers can expect to pay about $186 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $99 a month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference between these types of insurance).

Comparing it to other models, the Cadenza is slightly more expensive, with prices around 9% higher than other vehicles in Kia's lineup. Compared to offerings from other brands, car insurance for a Cadenza is similarly on the expensive side, with full coverage insurance premiums coming in about 5% more and 19% more for liability only insurance.

Overall, they're just more expensive to insure than the average vehicle, regardless of which make, body style, or model you compare it to.

Who has the Cheapest Car Insurance for a Kia Cadenza?

Looking for an auto insurance policy for your Kia Cadenza? You're likely wondering which company offers the most affordable premiums. While costs will generally be pretty different from between drivers, the most affordable average rates for liability only insurance are as cheap as just $41 monthly from MetLife. The next lowest carrier is Shelter Mutual, who offers insurance as little as $44 per month.

Completing the top 5 companies are Fiesta, Sun Coast, and Encompass. However, just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Kia Cadenza.

Insurance companies take several different variables into consideration when calculating monthly premiums. By getting quotes from quite a few auto insurance carriers at once, you can be confident you're finding the most affordable rate.

What Factors Affect Car Insurance Rates for a Kia Cadenza?

There are an array of factors that car insurance companies look at to calculate how much they charge -- and every company uses a different algorithm, so there's not just one carrier that's the cheapest for each Cadenza owner.

Here are just a few of the factors car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

Kia has been making the Cadenza for quite some time -- and that means the car's age may make a difference in how much you'll pay for auto insurance. Usually, it costs more to insure newer cars because they're worth more, however, as time goes on and Cadenzas begin to depreciate, insurance costs will gradually go lower.

Based on the above table, the Kia Cadenza is an outlier, as the cheapest models to insure are those that are 1 year old or less, while on average, the most expensive Cadenzas are 6 to 7 years old.

Your Age

Age is another variable that makes a significant difference in how much you pay for insurance. In the table above, you'll see that those with more experience on the road have cheaper rates than young Cadenza drivers. Kia Cadenza drivers aged 18 to 24 actually pay $8 more than those 25 or older.

Car insurance prices continue to decrease as you get older, with the cheapest age group for Cadenza drivers being 55-64.

Your Gender

Because women are less likely to get into collisions and get tickets, they have a decreased chance of filing a claim with insurance. When it comes to Cadenza drivers specifically, men pay around $109 a month for car insurance, while women pay about $76.

Where You Live

It may be obvious that things such as how old you are and what vehicle you drive play a role in your insurance premiums, but did you know that where you live can be equally important? Auto insurance is regulated on a state-by-state basis, so prices differ quite a bit depending on what state you reside in.

For example, the average Kia Cadenza driver from New York pays around $298 per month for liability coverage, while on average, the same owner in California will pay only 20% of that price. The chart shows average rates for the top 10 most populous states, just to give you a good idea of how much premiums can change between states.

Kia Cadenza Car Insurance Discounts

Regardless of your home state, your age, or your car, it's always a good idea to take advantage of as many auto insurance discounts as possible when shopping around for a policy.

Even though all insurance carriers offer their own unique discounts, there are a few different ones that you'll find with most companies. These include discounts like:

• Multi-policy discounts for bundling your home and auto policies with the same company
• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Pay-in-full discounts for drivers who choose to pay their entire policy premium at once, rather than in monthly installments
• Multi-vehicle discounts for insuring more than one of your cars with the same carrier

While discounts are always a good way to save money on your car insurance, sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like not having recent insurance claims, avoiding lapses in coverage, and driving safely.

Although you can't control every single aspect of your auto insurance profile (like some of the attributes we mentioned above), there is quite bit in your control. Below are just a few of the factors you can use to your advantage when it comes to saving some cash:

Your Driving Record

You've probably heard ads from car insurance carriers offering hefty discounts for responsible drivers. It makes sense that if you get into a collision or get a speeding ticket, insurance rates will go up. But you're probably wondering exactly how much these infractions will cost you.

As you can see from the table above, accidents will usually cost Cadenza drivers more than tickets, but both will result in higher than normal rates. Kia Cadenza drivers with one ticket will pay about $99 monthly, while drivers with a single accident on their record pay an average of $114 per month (up $15 from the $99/mo. overall average). The rates only increase the more accidents you have or tickets you get.

How Much You Drive

The amount of miles you drive impacts your auto insurance prices. Those who drive less often are more likely to go accident-free, so they'll normally get more affordable premiums. In the table above, you can see that Kia Cadenza owners who drive between 5,000 and 7,500 miles each year pay an average of $76 a month for car insurance, while those who put less than 2,500 miles on their cars pay $255.

But if you work from home or drive less often than the average driver, you might consider a usage-based or pay-per-mile auto insurance policy. With these kinds of coverage, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

How Do Kia Cadenzas Compare to Other Vehicles?

If you're considering making a Kia Cadenza your next vehicle, you might be wondering how it compares to other cars. Car insurance is just one cost that comes with buying a new car, but it's definitely one that's worth considering carefully.

Visit the table below to see how the Kia Cadenza compares:

As you can see, the Kia Cadenza is pretty much in line with the average vehicle price here in the U.S. The national average vehicle price is $46,538, and the Cadenza comes in close to that at $37,850.

Full coverage insurance for a Kia Cadenza is, while liability only coverage is $7 higher per month.

When it comes to usage, Kia Cadenza drivers are near the national average in annual miles driven, with 11,660 miles every year for all vehicles compared to the Cadenza's 11,389 a year.

Kia Cadenza Car Insurance Costs by Model Year

We've walked through many of the variables that can affect a driver's insurance prices. If you're in the market for a new car, truck, or SUV and the Cadenza is on your wishlist, knowing how much your vehicle will likely cost can be extremely helpful as you weigh your options.

For this reason, we've crunched the numbers and broken down Kia Cadenza car insurance rates by model year. Find the model year you want in the dropdown to see average rates for both liability only and full coverage options, as well as some other helpful info, like who offers the lowest policies, which trim levels are offered, and the base MSRP for each year the Cadenza has been around.

2020 Kia Cadenza Car Insurance

On average, drivers who own a 2020 Cadenza can expect to pay $88 to undefined a month for liability only and full coverage insurance, respectively.

Foremost offered the cheapest policy we found, with rates sometimes as low as $88 monthly.

Want to know exactly what your auto insurance price will be? Just enter your ZIP code below to get several personalized quotes for free.

2019 Kia Cadenza Car Insurance

The average cost to insure a 2019 Kia Cadenza with liability only coverage is $96 per month, while full coverage runs about $148 monthly.

Esurance has prices sometimes as cheap as $96 a month for the 2019 Kia Cadenza.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

2018 Kia Cadenza Car Insurance

You can expect full coverage for a 2018 Cadenza to run around $188 monthly, while liability only coverage will average about $103 per month.

If you're looking for the most affordable 2018 Kia Cadenza insurance policy, Mercury offered the most affordable policy we found, with rates as low as just $41 a month.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

2017 Kia Cadenza Car Insurance

It costs around $92 per month for liability or $216 for a full coverage policy for the 2017 Kia Cadenza.

With premiums as cheap as $31 monthly, Infinity offered the lowest policy we found.

If you want to know exactly how much you can expect to pay for your Cadenza, just enter your ZIP code below and get free quotes in minutes.

2016 Kia Cadenza Car Insurance

2016 Cadenza drivers can expect to pay an average of $92 a month for liability or $169 for full coverage.

Looking for the most affordable policy? Clearcover offered liability only coverage for as little as just $33 monthly.

Interested in what your insurance rate will be? All you need to do is enter your ZIP code below and you'll be on your way to comparing a whole range of personalized quotes from the nation's top insurance companies.

2015 Kia Cadenza Car Insurance

On average, drivers who own a 2015 Kia Cadenza can expect to pay $127 to $194 per month for liability only and full coverage car insurance, respectively.

We found MetLife offered the cheapest policy, with rates as low as $23 a month.

If you want to find the best rates for auto insurance for a 2015 Kia Cadenza, enter your ZIP code below and compare a whole bunch of personalized quotes in just a few minutes.

2014 Kia Cadenza Car Insurance

It costs about $90 per month for liability or $180 for a full coverage policy for the 2014 Cadenza.

With premiums as little as $23 monthly, Mercury offered the lowest policy we found for the 2014 Kia Cadenza.

Want something more accurate than nationwide averages? Enter your ZIP code below to get lots of free customized quotes.

Kia Cadenza Insurance FAQs

Is a Kia Cadenza expensive to insure?

Liability insurance runs an average of $99 a month, while full coverage will cost you around $186. Compared to the national average of all vehicles, prices come in on the more expensive end of the spectrum.

How can I get the best price on car insurance for my Kia Cadenza?

There's only one way to be confident you're getting the cheapest rates -- checking prices regularly and comparing quotes from a wide array of carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from several companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Kia Cadenza affect my insurance prices?

You've probably heard the old adage that it costs more to insure a red car than cars of other colors, but that's actually not true. Even though there are a variety of things car insurance carriers consider when they decide your insurance premium, your Kia Cadenza's color is not factored into that decision.

Do I need to have insurance before I buy a Kia Cadenza?

You'll need to have valid auto insurance for your Cadenza before you can legally drive your it off the dealership lot. Some dealerships might offer you an insurance policy as part of the car-buying process, but the best thing to do when buying a a new car is to talk with your insurance company before you buy.

What car insurance discounts can I get for my Kia Cadenza?

There are a multitude of different discounts out there when it comes to car insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are based less on your car and more on you, but if your Cadenza has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may be eligible for certain discounts. The best way to find out is to get in touch with your insurance carrier and ask about which discounts they offer, since they change quite a bit from company to company.