Kia Cadenza Car Insurance Rates [2022 Cost + Comparisons]

How much does Kia Cadenza car insurance cost? We compare average rates for the Premium, Technology, and Limited models to see how they rank against similar large sedans.

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  • Kia Cadenza insurance costs an average of $1,494 per year or around $125 per month, depending on the trim level.
  • The Cadenza Premium Sedan trim level is the cheapest to insure at around $1,418 per year. The most expensive trim is the Limited Sedan at $1,554 per year.
  • The Cadenza ranks #1 out of five vehicles in the 2021 full-size sedan class for insurance affordability.
  • Dropping full coverage on an older Kia Cadenza could save in the ballpark of $778 per year, depending on the coverage deductibles and the driver age.

How much does Kia Cadenza car insurance cost?

Average car insurance rates for a 2021 Kia Cadenza cost $1,494 a year for full coverage. Expect to pay around $125 per month for Kia Cadenza insurance.

For individual policy coverages, collision insurance will cost around $678 a year, comprehensive coverage will cost an estimated $378, and the remaining liability and medical (or PIP) coverage is about $438.

The following chart shows how Kia Cadenza car insurance rates vary depending on driver age and different policy deductibles. Auto insurance cost averages range from the cheapest rate of $1,124 per year for a 60-year-old driver with high policy deductibles to a high of $3,452 per year for a driver age 20 with $250 deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2021 Kia Cadenza with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Kia Cadenza trim levels.Data last updated on September 8, 2022
Kia Cadenza Insurance Rate Summary
Kia Cadenza Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,494$208
$500$2,962$247
$250$3,452$288
30$1,000$1,316$110
$500$1,578$132
$250$1,852$154
40$1,000$1,254$105
$500$1,494$125
$250$1,744$145
50$1,000$1,144$95
$500$1,360$113
$250$1,586$132
60$1,000$1,124$94
$500$1,336$111
$250$1,556$130

Which Cadenza trim level has the cheapest insurance?

The cheapest trim level of Kia Cadenza to insure is the Premium Sedan at around $1,418 per year. The next cheapest trim is the Technology Sedan at $1,510 per year. The highest cost model is the Limited Sedan trim at around $1,554 per year.

The rate table below displays average car insurance rates for each 2021 Kia Cadenza package and trim.

2021 Kia Cadenza Insurance Cost by Trim Level
Kia Cadenza Trim Level Annual Policy 6-month Policy Per Month
Premium Sedan$1,418$709$118
Technology Sedan$1,510$755$126
Limited Sedan$1,554$777$130

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2021 Kia Cadenza, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
Kia Cadenza Insurance Cost by Trim Level

How do Cadenza insurance rates compare to other sedans?

The Kia Cadenza ranks #1 out of five comparison vehicles in the large car segment for car insurance affordability. The Cadenza costs an average of $1,494 per year to insure, while the category average rate is $1,672 per year, a difference of $178 per year.

When compared to other popular large cars, Kia Cadenza insurance costs $498 less per year than the Dodge Charger, $174 less than the Nissan Maxima, $100 less than the Chrysler 300, and $118 less than the Toyota Avalon.

The chart below shows how average Kia Cadenza insurance rates compare to the rest of the 2021 large car segment (excluding luxury brands).

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2021 model year Kia Cadenza, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Kia Cadenza trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
Kia Cadenza vs Large Cars Insurance Cost Comparison
Kia Cadenza Insurance Cost Compared to All Large Cars
Rank Make/Model Insurance Cost Difference
1Kia Cadenza$1,494--
2Chrysler 300$1,594$100
3Toyota Avalon$1,612$118
4Nissan Maxima$1,668$174
5Dodge Charger$1,992$498

Do newer Cadenza models cost more to insure?

Resisting that fancy 2021 model and driving an older model of Kia Cadenza (2013 for this example) can save at least $188 each year. The savings is determined by the level of coverages on your policy.

The data below illustrates average Kia Cadenza car insurance rates for the 2014 to 2021 model years. Annual insurance cost ranges from the most affordable price of $1,306 for a 2014 Kia Cadenza to the most expensive rate of $1,494 for a 2021 model year.

Kia Cadenza Insurance Cost for 2014-2021 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2021 Kia Cadenza$1,494$747$125
2020 Kia Cadenza$1,466$733$122
2019 Kia Cadenza$1,444$722$120
2018 Kia Cadenza$1,406$703$117
2017 Kia Cadenza$1,368$684$114
2016 Kia Cadenza$1,412$706$118
2015 Kia Cadenza$1,422$711$119
2014 Kia Cadenza$1,306$653$109

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
Kia Cadenza Insurance Cost by Model Year

At some point with older models, owners need to decide when to delete physical damage coverage (comprehensive and collision) from a policy. As vehicles age and their value decreases from depreciation, the costs required to maintain physical damage coverage outweighs the added benefit.

Eliminating physical damage insurance coverage on an older Kia Cadenza could potentially save $778 per year, depending on where the physical damage deductibles were set and the age of the driver rated on the vehicle.