- Kia Cadenza insurance costs an average of $1,628 per year or around $136 per month, depending on the trim level.
- The Cadenza Premium Sedan trim level is the cheapest to insure at around $1,546 per year. The most expensive trim is the Limited Sedan at $1,692 per year.
- The Cadenza ranks first 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 $798 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 $1,628 a year for full coverage. Expect to pay around $136 per month for Kia Cadenza insurance.
For individual policy coverages, collision insurance will cost around $736 a year, comprehensive coverage will cost an estimated $404, and the remaining liability and medical (or PIP) coverage is about $488.
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 $1,228 per year for a 60-year-old driver with high policy deductibles to a high of $3,760 per year for a driver age 20 with $250 deductibles.
|Driver Age||Deductible||Annual Cost||Monthly Cost|
Which Cadenza trim level has the cheapest insurance?
The cheapest trim level of Kia Cadenza to insure is the Premium Sedan at around $1,546 per year. The next cheapest trim is the Technology Sedan at $1,642 per year. The highest cost model is the Limited Sedan trim at around $1,692 per year.
The rate table below displays average car insurance rates for each 2021 Kia Cadenza package and trim.
|Kia Cadenza Trim Level||Annual Policy||Six-Month Policy||Per Month|
How do Cadenza insurance rates compare to other sedans?
The Kia Cadenza ranks first out of five comparison vehicles in the large car segment for car insurance affordability. The Cadenza costs an average of $1,628 per year to insure, while the category average rate is $1,824 per year, a difference of $196 per year.
When compared to other popular large cars, Kia Cadenza insurance costs $544 less per year than the Dodge Charger, $194 less than the Nissan Maxima, $112 less than the Chrysler 300, and $132 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).
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 $238 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 $1,390 for a 2014 Kia Cadenza to the most expensive rate of $1,628 for a 2021 model year.
|Model Year and Vehicle||Annual Rate||6-month Rate||Monthly Rate|
|2021 Kia Cadenza||$1,628||$814||$136|
|2020 Kia Cadenza||$1,604||$802||$134|
|2019 Kia Cadenza||$1,560||$780||$130|
|2018 Kia Cadenza||$1,518||$759||$127|
|2017 Kia Cadenza||$1,458||$729||$122|
|2016 Kia Cadenza||$1,522||$761||$127|
|2015 Kia Cadenza||$1,502||$751||$125|
|2014 Kia Cadenza||$1,390||$695||$116|
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 $798 per year, depending on where the physical damage deductibles were set and the age of the driver rated on the vehicle.