Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used Kia Cadenza? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Kia Cadenza car insurance facts

  • Average full coverage auto insurance premium: $172/month

  • Most affordable companies: Erie Insurance ($135/month) & Nationwide ($141/month)

  • Cadenza car insurance cost vs. average rates: $17 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Kia Cadenza by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Kia Cadenza insurer costs by state:

Risk factors affecting Kia Cadenza car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Kia Cadenza car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Kia models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Kia automobile brand

Kia Corporation is a South Korean multinational automaker specializing in affordable sport utility vehicles (SUVs) and exceptional reliability for the United States market. Kia is the second-largest auto manufacturer in South Korea after Hyundai. The target audience of Kia is young couples that are physically active with a high interest in new technology. All Kia automobiles have high safety ratings, with many of their cars getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Kia Forte, Kia Soul, Optima, and Kia Sorento are some of their most popular vehicles.

High Kia Cadenza repair costs equal high coverage rates

Many consumers are attracted to Kia’s high-tech innovations and features, increased value for the money, and driver-assist technologies, like Kia’s DriveWise safety features. Automotive parts are common but generally more expensive than popular vehicles, like the Toyota, Honda, or Subaru. Repairing a Kia is higher than average since repair parts are slightly more expensive. For this reason, many Kias are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Kia Cadenza affecting auto policies

Another factor to consider for Kia is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Kia models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Kia IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Kias are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Kia’s DriveWise technology innovations and safety, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Kia models. The Kia Forte, Stinger, Sportage, and Sorento are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Kia automobiles top safety ratings each year lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Kia automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Kia Cadenza

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2345
Acuity$2468
Allied$1916
Allstate$2133
American Family$1987
Arbella$2036
Country Financial$2234
Erie$1635
GEICO$1754
Kentucky Farm Bureau$2271
Liberty Mutual$1826
Mercury$1845
Nationwide$1689
Progressive$1786
State Farm$1730
Texas Farm Bureau$2079
The Hanover$2296
Travelers$2167

Compare all 2021 Kia Cadenza rates

Average Cost to Insure Per Year

$2054

List Price

$40000

Trims Available

Premium - Technology - Limited - Base Engine: 3.3-liter V6 rated at 290 horsepower with driver assist technologies (Kia Drive WiSE): Blind-Spot Collision Avoidance Assist-Rear (BCA-R), Forward Collison-Avoidance Assist (FCA), Lane Keep Assist (LKA), Rear Cross-Traffic Collison-Avoidance (RCCA), Safe Exit Assist (SEA), Adaptive Cruise Control with stop-and-go capability, automatic forward emergency braking, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes. Brake Assist, Daytime Running Lights, Integrated Turn Signal Mirrors

2020 Kia Cadenza

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2323
Allied$1904
Allstate$2099
American Family$1985
Arbella$2024
Country Financial$2196
Erie$1624
GEICO$1740
Kentucky Farm Bureau$2234
Liberty Mutual$1798
Mercury$1834
Nationwide$1683
State Farm$1726
Texas Farm Bureau$2068
The Hanover$2270
Travelers$2146

Compare all 2020 Kia Cadenza rates

Average Cost to Insure Per Year

$1830

List Price

$37850

Trims Available

Premium - Technology - Limited - Base Engine: 3.3-liter V6 rated at 290 horsepower with driver assist technologies (Kia Drive WiSE): Blind-Spot Collision Avoidance Assist-Rear (BCA-R), Forward Collison-Avoidance Assist (FCA), Lane Keep Assist (LKA), Rear Cross-Traffic Collison-Avoidance (RCCA), Safe Exit Assist (SEA), Adaptive Cruise Control with stop-and-go capability, automatic forward emergency braking, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes. Brake Assist, Daytime Running Lights, Integrated Turn Signal Mirrors

2019 Kia Cadenza

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2316
Allied$1890
Allstate$2087
American Family$1976
Arbella$1973
Country Financial$2184
Erie$1596
GEICO$1738
Kentucky Farm Bureau$2225
Liberty Mutual$1780
Mercury$1826
Nationwide$1653
State Farm$1714
Texas Farm Bureau$2054
The Hanover$2263
Travelers$2135

Compare all 2019 Kia Cadenza rates

Average Cost to Insure Per Year

$1611

List Price

$33100

Trims Available

Premium - Technology - Limited - Base Engine: 3.3-liter V6 rated at 290 horsepower with driver assist technologies (Kia Drive WiSE): Blind-Spot Collision Avoidance Assist-Rear (BCA-R), Forward Collison-Avoidance Assist (FCA), Lane Keep Assist (LKA), Rear Cross-Traffic Collison-Avoidance (RCCA), Safe Exit Assist (SEA), Adaptive Cruise Control with stop-and-go capability, automatic forward emergency braking, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes. Brake Assist, Daytime Running Lights, Integrated Turn Signal Mirrors

2018 Kia Cadenza

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2264
Allied$1888
Allstate$2054
American Family$1935
Arbella$1961
Country Financial$2154
Erie$1526
GEICO$1735
Kentucky Farm Bureau$2189
Liberty Mutual$1764
Mercury$1815
Nationwide$1609
State Farm$1687
Texas Farm Bureau$2030
The Hanover$2215
Travelers$2069

Compare all 2018 Kia Cadenza rates

Average Cost to Insure Per Year

$1587

List Price

$32290

Trims Available

Premium - Technology - Limited - Base Engine: 3.3-liter V6 rated at 290 horsepower with driver assist technologies (Kia Drive WiSE): Blind-Spot Collision Avoidance Assist-Rear (BCA-R), Forward Collison-Avoidance Assist (FCA), Lane Keep Assist (LKA), Rear Cross-Traffic Collison-Avoidance (RCCA), Safe Exit Assist (SEA), Adaptive Cruise Control with stop-and-go capability, automatic forward emergency braking, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes. Brake Assist, Daytime Running Lights, Integrated Turn Signal Mirrors

2017 Kia Cadenza

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1326
Acuity$ 1326
Allied$ 1285
Allied$ 1285
Country$ 1434
Country$ 1434
Erie$ 1203
Erie$ 1203
GEICO$ 1430
GEICO$ 1430
Mercury$ 1369
Mercury$ 1369
Nationwide$ 1382
Nationwide$ 1382
Plymouth Rock Insurance$ 1370
Plymouth Rock Insurance$ 1370
Tennessee Farmers$ 1157
Tennessee Farmers$ 1157
Texas Farm Bureau$ 1068
Texas Farm Bureau$ 1068
USAA$ 1196
USAA$ 1196
Vermont Mutual$ 1274
Vermont Mutual$ 1274

Compare all 2017 Kia Cadenza rates

Average Cost to Insure Per Year

$ 1417

List Price

$ 31990

Trims Available

Premium - Technology - Limited

2016 Kia Cadenza

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1302
Acuity$ 1302
Allied$ 1369
Allied$ 1369
American Family$ 1444
American Family$ 1444
Country$ 1405
Country$ 1405
Erie$ 1150
Erie$ 1150
Mercury$ 1353
Mercury$ 1353
Nationwide$ 1461
Nationwide$ 1461
Plymouth Rock Insurance$ 1313
Plymouth Rock Insurance$ 1313
Tennessee Farmers$ 1135
Tennessee Farmers$ 1135
Texas Farm Bureau$ 1038
Texas Farm Bureau$ 1038
USAA$ 1189
USAA$ 1189
Vermont Mutual$ 1238
Vermont Mutual$ 1238

Compare all 2016 Kia Cadenza rates

Average Cost to Insure Per Year

$ 1368

List Price

$ 32990

Trims Available

Base - Premium - Limited

2015 Kia Cadenza

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1238
Acuity$ 1238
Allied$ 1375
Allied$ 1375
American Family$ 1444
American Family$ 1444
Arbella$ 1443
Arbella$ 1443
Country$ 1349
Country$ 1349
Erie$ 1122
Erie$ 1122
Mercury$ 1338
Mercury$ 1338
Plymouth Rock Insurance$ 1280
Plymouth Rock Insurance$ 1280
Tennessee Farmers$ 1183
Tennessee Farmers$ 1183
Texas Farm Bureau$ 988
Texas Farm Bureau$ 988
USAA$ 1210
USAA$ 1210
Vermont Mutual$ 1160
Vermont Mutual$ 1160

Compare all 2015 Kia Cadenza rates

Average Cost to Insure Per Year

$ 1273

List Price

$ 34900

Trims Available

Premium - Limited

2014 Kia Cadenza

Cheapest Insurance CompaniesAverage Annual Cost
ALFA$ 1296
ALFA$ 1296
Allied$ 990
Allied$ 990
American Family$ 1123
American Family$ 1123
Erie$ 846
Erie$ 846
Farmers$ 1382
Farmers$ 1382
GEICO$ 899
GEICO$ 899
Nationwide$ 1072
Nationwide$ 1072
Progressive$ 451
Progressive$ 451
State Farm$ 647
State Farm$ 647
Texas Farm Bureau$ 979
Texas Farm Bureau$ 979
USAA$ 774
USAA$ 774
Vermont Mutual$ 1053
Vermont Mutual$ 1053

Compare all 2014 Kia Cadenza rates

Average Cost to Insure Per Year

$ 984

List Price

$ 35100

Trims Available

Premium - Limited