Kia Cadenza Car Insurance Calculator

Explore and learn how changes to driver risk factors and vehicle options impact the insurance cost for a Kia Cadenza. Play around with factors like driver's age, policy discounts, Cadenza trim level, and driving record. Find out instantly if the option you change results in higher or lower rates and learn why.

The average estimated car insurance premium for a 2021 Kia Cadenza is $2,108 per year, or about $176 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,108

Cost Per Month

$176

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Kia Cadenza Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a Kia Cadenza.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,108
Average Rate
Your Rate
$2,108

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Kia Cadenza.

The 'Average Rate' is a combined value for all Kia Cadenza trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2021 Kia Cadenza is $2,108.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2021 Kia Cadenza vs. the Large Car Segment

The table below compares insurance rates for the 2021 Kia Cadenza against all other models in the large car segment. The Kia Cadenza is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Kia Cadenza, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Kia Cadenza.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2021 Kia Cadenza Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Kia Cadenza$2,108--
2Chrysler 300$2,250$142
3Toyota Avalon$2,272$164
4Nissan Maxima$2,354$246
2021 Large Car Average$2,358$250
5Dodge Charger$2,806$698

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2021 Cadenza Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 Kia Cadenza.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2021 Kia Cadenza Insurance Rates by Trim Level
2021 Kia Cadenza Trim Level Annual Premium Cost Per Month
Premium Sedan$2,000$167
Technology Sedan$2,128$177
Limited Sedan$2,194$183

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2021 Kia Cadenza for different driver ages.

2021 Kia Cadenza Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,456$621
17$7,233$603
18$6,502$542
19$5,914$493
20$4,539$378
21$4,331$361
22$3,882$324
23$3,185$265
24$3,012$251
25$2,446$204
30$2,248$187
35$2,164$180
40$2,108$176
45$1,970$164
50$1,866$156
55$1,742$145
60$1,746$146
65$1,862$155
70$2,002$167
75$2,350$196
80$2,890$241

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Kia Cadenza trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Kia Cadenza.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Kia Cadenza Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2021 Kia Cadenza$2,108$176
2020 Kia Cadenza$2,044$170
2019 Kia Cadenza$1,978$165
2018 Kia Cadenza$1,890$158
2017 Kia Cadenza$1,818$152
2016 Kia Cadenza$1,842$154
2015 Kia Cadenza$1,812$151
2014 Kia Cadenza$1,690$141

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Kia Cadenza trim levels for each model year.