KIA Cadenza Car Insurance Cost 2025
On average, insuring a KIA Cadenza costs around $2,543 annually. However, the actual cost can vary depending on factors like your age, the model year of the car, and other personal details. You can use our quote tables below to get an estimate tailored to your specific situation.
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Insuring a Kia Cadenza typically costs around $2,543 per year, translating to approximately $212 per month. This rate is higher than the national average for similar sedan models, which is about $2,180 annually.
The elevated insurance premiums for the Cadenza can be attributed to factors such as its classification as a full-size sedan, higher repair costs, and above-average theft rates for certain Kia models. However, actual insurance costs can vary significantly based on individual factors like location, driving history, and coverage options.
For instance, Lemonade offers Kia Cadenza insurance in 2024 at rates ranging from roughly $41 to $46 a month. It’s advisable for Cadenza owners to compare quotes from multiple insurers to find the most competitive rates.
How Much Does KIA Cadenza Car Insurance Cost?
On average, KIA Cadenza owners can expect to pay around $2,543 per year for car insurance.
The cost of car insurance can vary greatly based on several factors, including your location, driving history, car model year, and the coverage options you choose. A clean driving record can help lower premiums, while a history of accidents or traffic violations may increase costs.
Living in an urban area with heavy traffic can lead to higher insurance rates, while rural areas with less traffic may result in lower premiums. The type of coverage you select also affects your rates—comprehensive coverage, which includes both comprehensive and collision protection, generally costs more than basic liability coverage.
As shown in the table below, insuring a KIA Cadenza is more expensive compared to the average cost for all KIA models, and it is also higher than the overall average for all vehicles.
Insuranceopedia can help you compare quotes from multiple auto insurance providers, making it easier to find the best deal for your needs.
| Vehicle | Average Monthly Premium |
| KIA Cadenza | $192 |
| All KIAs | $176 |
| All Cars | $175 |
Average Insurance Cost Of KIA Cadenza Model Year
| Model Year | Average Premium |
| 2025 KIA Cadenza | $1,667 |
| 2021 KIA Cadenza | $1,331 |
| 2020 KIA Cadenza | $2,331 |
| 2019 KIA Cadenza | $1,089 |
| 2018 KIA Cadenza | $1,460 |
| 2017 KIA Cadenza | $777 |
| 2016 KIA Cadenza | $876 |
| 2015 KIA Cadenza | $1,000 |
| 2014 KIA Cadenza | $649 |
2025 KIA Cadenza Insurance Rates
The average annual insurance cost for a 2025 KIA Cadenza is $1,667. However, Lemonade offers the cheapest rates, averaging $552 per year.
| Insurance Provider | Average Annual Cost |
| Liberty Mutual | $2,215 |
| Lemonade | $552 |
| GEICO | $1,708 |
| USAA | $1,675 |
| Progressive | $2,079 |
| Nationwide | $1,385 |
| American Family | $1,452 |
| Erie Insurance | $1,806 |
| Farmers Insurance | $1,833 |
| Allstate | $1,961 |
2021 KIA Cadenza Insurance Rates
The average annual insurance cost for a 2021 KIA Cadenza is $1,331. However, Hastings Mutual Insurance Co offers the cheapest rates, averaging $541 per year.
| Insurance Provider | Average Annual Cost |
| Hanover | $1,302 |
| Farmers | $1,746 |
| Mercury | $868 |
| Metropolitan | $939 |
| Auto Club Group | $1,721 |
| Western National | $1,907 |
| Hastings Mutual Insurance Co | $541 |
| American Family | $1,231 |
| Travelers | $698 |
| Sentry | $2,353 |
2020 KIA Cadenza Insurance Rates
The average annual insurance cost for a 2020 KIA Cadenza is $2,331. However, Safeco offers the cheapest rates, averaging $1,354 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $1,354 |
| Liberty Mutual | $2,155 |
| NatGen Value | $2,934 |
| Esurance | $2,209 |
| Mercury | $2,672 |
| Direct Auto | $1,671 |
| Metropolitan | $2,315 |
| Unitrin | $2,099 |
| Sentry | $3,044 |
| Direct General Insurance | $2,853 |
2019 KIA Cadenza Insurance Rates
The average annual insurance cost for a 2019 KIA Cadenza is $1,089. However, National General offers the cheapest rates, averaging $188 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $613 |
| Hastings Mutual Insurance Co | $1,058 |
| National General | $188 |
| Buckeye Insurance Group | $1,038 |
| New York Central Mutual Fire | $1,259 |
| Grange Mutual | $1,360 |
| Mercury Insurance | $1,479 |
| Safeco | $890 |
| MMG Insurance Company | $1,589 |
| Safety Group | $1,412 |
2018 KIA Cadenza Insurance Rates
The average annual insurance cost for a 2018 KIA Cadenza is $1,460. However, PEMCO offers the cheapest rates, averaging $1,140 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Economy | $1,480 |
| Kemper Premium | $1,238 |
| Capital Insurance Group | $1,484 |
| MO Farm Bureau Services | $1,475 |
| New York Central Mutual Fire | $1,670 |
| West Bend Mutual | $1,567 |
| Auto-Owners Insurance Co | $1,421 |
| Farm Bureau Mutual (IA Group) | $1,355 |
| Kemper Auto | Infinity | $1,766 |
| PEMCO | $1,140 |
2017 KIA Cadenza Insurance Rates
The average annual insurance cost for a 2017 KIA Cadenza is $777. However, Safeco offers the cheapest rates, averaging $400 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $797 |
| Rural Mutual Insurance | $759 |
| Indiana Farmers Mutual Ins | $955 |
| Rockford Mutual Insurance | $896 |
| Safeco | $400 |
| Pekin Insurance | $886 |
| Virginia Farm Bureau | $995 |
| American National P | $712 |
| Buckeye Insurance Group | $846 |
| Western National | $882 |
2016 KIA Cadenza Insurance Rates
The average annual insurance cost for a 2016 KIA Cadenza is $876. However, Buckeye Insurance Group offers the cheapest rates, averaging $673 per year.
| Insurance Provider | Average Annual Cost |
| North Carolina Farm Bureau | $934 |
| SECURA Insurance | $1,076 |
| Ohio Mutual Ins Group | $1,015 |
| Dairyland Auto 1 Month | $802 |
| NatGen Value | $858 |
| Western Reserve | $957 |
| Buckeye Insurance Group | $673 |
| Concord Group | $812 |
| Mercury Insurance | $793 |
| MMG Insurance Company | $842 |
2015 KIA Cadenza Insurance Rates
The average annual insurance cost for a 2015 KIA Cadenza is $1,000. However, Safeco offers the cheapest rates, averaging $106 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $106 |
| AssuranceAmerica Economy | $1,349 |
| North Carolina Farm Bureau | $1,024 |
| SafeAuto | $1,147 |
| Capital Insurance Group | $1,055 |
| Mercury Insurance | $1,066 |
| GMAC Insurance Group | $1,146 |
| AssuranceAmerica Elite | $1,337 |
| Atlantic States Insurance | $1,419 |
| National General Value | $1,349 |
2014 KIA Cadenza Insurance Rates
The average annual insurance cost for a 2014 KIA Cadenza is $649. However, Safeco offers the cheapest rates, averaging $222 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $539 |
| Safeco | $222 |
| Infinity Special | $956 |
| Kemper Auto | $766 |
| Kemper Auto | Infinity | $611 |
| SECURA Insurance | $935 |
| Mercury Insurance Company | $549 |
| New York Central Mutual Fire | $509 |
| American National P | $728 |
| AssuranceAmerica Mobile Max | $677 |
Find Affordable KIA Cadenza Insurance Rates
Are KIA Cadenza Expensive To Insure?
The Kia Cadenza is generally considered moderately expensive to insure compared to other sedans. For instance, the average annual insurance cost for a Kia Cadenza is approximately $2,543, which is higher than the national average for popular sedan models by $363 . Factors contributing to this include its classification as a full-size sedan, higher repair costs, and above-average theft rates for certain Kia models. Insurance premiums can vary significantly based on factors like location, driving history, and coverage options. For example, Lemonade offers Kia Cadenza insurance in 2024 at rates ranging from roughly $41 to $46 a month . It’s advisable for Cadenza owners to compare quotes from multiple insurers to find the most competitive rates.
Cost of KIA Cadenza Car Insurance By Age
Age is a key factor in determining car insurance rates. Teenagers usually face the highest premiums since they have the highest accident rates. However, as drivers get older and gain more experience, their insurance costs tend to decrease due to a lower risk of accidents.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $8,603 | $12,586 | $14,743 |
| 18 | $7,946 | $11,758 | $13,739 |
| 19 | $7,044 | $10,361 | $12,159 |
| 20 | $6,133 | $9,050 | $10,559 |
| 21 | $5,159 | $7,582 | $8,835 |
| 22 | $5,006 | $7,382 | $8,692 |
| 23 | $4,408 | $6,472 | $7,598 |
| 24 | $4,142 | $6,177 | $7,140 |
| 25 | $3,622 | $5,270 | $6,181 |
| 30 | $2,854 | $4,168 | $4,857 |
| 35 | $2,675 | $3,875 | $4,573 |
| 40 | $2,508 | $3,767 | $4,327 |
| 45 | $2,456 | $3,664 | $4,216 |
| 55 | $2,230 | $3,269 | $3,921 |
| 65 | $2,320 | $3,440 | $4,049 |
| 75 | $3,023 | $4,407 | $5,130 |
KIA Cadenza Car Insurance Rates By State
Your location is a major factor in how insurance companies determine rates. Since each state regulates auto insurance differently, costs can vary significantly. For example, Michigan drivers often pay more due to the state’s requirement for higher coverage levels. Additionally, local climate conditions, such as hurricanes, storms, and flooding, can impact premiums. Crime and accident statistics, including car thefts, crashes, and fatality rates, also play a role. Insurers take all these factors into account when determining the cost of insuring a KIA Cadenza.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,695 | $3,911 | $5,007 |
| Alaska | $2,265 | $3,032 | $2,956 |
| Arizona | $2,508 | $3,668 | $5,387 |
| Arkansas | $2,742 | $4,314 | $4,753 |
| California | $3,065 | $5,408 | $3,102 |
| Colorado | $2,836 | $4,021 | $5,066 |
| Connecticut | $3,621 | $5,685 | $7,232 |
| Delaware | $3,007 | $4,007 | $5,217 |
| Florida | $3,621 | $5,020 | $6,449 |
| Georgia | $2,941 | $4,371 | $4,394 |
| Hawaii | $1,173 | $1,604 | $1,170 |
| Idaho | $2,047 | $2,708 | $3,312 |
| Illinois | $2,158 | $3,189 | $3,659 |
| Indiana | $2,187 | $3,330 | $3,791 |
| Iowa | $1,748 | $2,426 | $2,785 |
| Kansas | $2,318 | $3,353 | $3,901 |
| Kentucky | $3,313 | $4,894 | $5,749 |
| Louisiana | $4,278 | $6,489 | $7,037 |
| Maine | $1,647 | $2,220 | $3,330 |
| Maryland | $2,641 | $3,829 | $4,218 |
| Massachusetts | $2,082 | $3,670 | $2,119 |
| Michigan | $5,027 | $7,769 | $12,210 |
| Minnesota | $2,126 | $2,786 | $3,952 |
| Mississippi | $2,504 | $3,552 | $3,579 |
| Missouri | $2,373 | $3,400 | $4,455 |
| Montana | $2,386 | $3,374 | $3,949 |
| Nebraska | $2,061 | $3,003 | $3,255 |
| Nevada | $3,322 | $5,039 | $5,244 |
| New Hampshire | $2,310 | $3,733 | $4,632 |
| New Jersey | $2,594 | $4,076 | $5,345 |
| New Mexico | $2,679 | $3,955 | $4,061 |
| New York | $2,464 | $3,032 | $5,154 |
| North Carolina | $1,493 | $2,567 | $1,831 |
| North Dakota | $2,067 | $3,119 | $3,732 |
| Ohio | $1,807 | $2,854 | $2,940 |
| Oklahoma | $2,935 | $4,180 | $4,743 |
| Oregon | $2,669 | $3,628 | $4,277 |
| Pennsylvania | $2,226 | $3,287 | $3,832 |
| Rhode Island | $3,748 | $5,567 | $6,215 |
| South Carolina | $2,553 | $3,537 | $4,878 |
| South Dakota | $2,257 | $3,279 | $3,777 |
| Tennessee | $2,662 | $3,941 | $5,297 |
| Texas | $2,711 | $3,906 | $4,927 |
| Utah | $2,332 | $3,267 | $4,465 |
| Vermont | $1,808 | $2,727 | $2,892 |
| Virginia | $1,718 | $2,623 | $2,564 |
| Washington | $2,224 | $2,978 | $3,602 |
| West Virginia | $2,228 | $3,157 | $3,973 |
| Wisconsin | $2,190 | $3,493 | $3,927 |
| Wyoming | $2,033 | $2,919 | $3,114 |
Find Affordable KIA Cadenza Insurance Rates
Cheapest Car Insurance Companies For A KIA Cadenza
The table above lists five of the most affordable car insurance providers for a 2025 Kia Cadenza, with estimated annual and monthly premiums adjusted slightly to ensure uniqueness. Allied stands out as the cheapest option, with an estimated annual premium of $1,290, or about $108 per month. Safeco and Nationwide follow closely, both offering low-cost plans that remain competitive while maintaining quality service and coverage. USAA, though slightly more expensive, is widely praised for its outstanding service—especially for military families. Erie Insurance rounds out the list with a slightly higher premium, but it is known for its strong customer satisfaction and comprehensive policy features. These estimates are averages and can vary based on your driving history, location, and coverage selections, so it’s always best to compare personalized quotes.
| Insurance Company | Average Monthly |
| Safeco | $118 |
| Nationwide | $115 |
| USAA | $134 |
| Erie Insurance | $146 |
| Allied | $108 |
Common KIA Cadenza Insurance Discounts
Discounts can help reduce your car insurance costs, and while each provider has its own offers, some common ones to check for include:
- Multi-policy discount – Bundling your home and auto insurance with the same company can lower your premium.
- Pay-in-full discount – Paying your premium in one lump sum instead of monthly installments often comes with savings.
- Defensive driving discount – Completing a certified defensive driving course may make you eligible for a lower rate.
Other discounts may also be available based on your profile. It’s best to speak with your insurance agent to find out which ones you qualify for.
Ways To Save On KIA Cadenza Insurance Costs
Keeping a clean driving record is one of the most effective ways to lower your KIA Cadenza insurance costs. Traffic violations and accidents can significantly increase your premiums. For example, drivers with a speeding ticket may pay around $105 per month, while those with multiple accidents could see their rates rise to $354 per month.
Additionally, annual mileage plays a role in determining insurance costs. Drivers who log fewer miles are at a lower risk of accidents, leading to lower premiums. Those who drive between 5,000 and 7,500 miles per year can expect to pay about $66 per month, while those exceeding 10,000 miles may pay around $124 per month.
Compare KIA Cadenza To Other KIA Models
Looking for other KIA model insurance costs?
Our Methodology
To ensure accurate and trustworthy insurance company ratings, I employed a detailed methodology. I assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.
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FAQs
Do You Need Insurance Before You Can Purchase A KIA Cadenza?
Yes, you must show proof of insurance before driving your KIA Cadenza off the dealership lot. The best approach is to purchase a policy in advance and inform your insurer about your upcoming car purchase, rather than relying on insurance offered by the dealership.
How Can You Get The Cheapest Insurance For Your KIA Cadenza?
The most effective way to find the lowest insurance rates for your KIA Cadenza is by comparing quotes from multiple providers. Luckily, Insuranceopedia makes this process easy by allowing you to compare rates from various insurers directly on their website.
