Kia K5 Insurance Rates

The average insurance rates for a Kia K5 are $1,692 a year for full coverage. Comprehensive costs on average $344, collision insurance costs $612, and liability insurance is estimated at $536. Liability-only coverage costs approximately $606 a year, and high-risk coverage costs around $3,662. Teenage drivers cost the most to insure at up to $6,386 a year.

Average premium for full coverage: $1,692

Policy rates by type of insurance:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and for different K5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of accident claims than densely populated cities. The price range example below illustrates the difference location can make on car insurance rates.

The examples above show why anyone shopping for car insurance should get quotes based on a specific location, rather than relying on average rates.

Use the form below to get customized rates for your location.

More Rate Details

The chart below shows average Kia K5 insurance rates for different risk profiles and scenarios.

• The best discount rate is $979
• Choosing higher $1,000 deductibles can save around $216 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,692
• Using more expensive low deductibles for comp and collision coverage bumps up the cost to $2,116
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,662
• Policy cost that insures a teen driver with full coverage may cost $6,386 each year

View Chart as Image

Insurance rates for a Kia K5 also range considerably based on the model year and trim level, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $2,000 to $2,800 additional every year, depending on your age. High-risk driver insurance ranges anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,600 annually on average, or $133 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $6,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Kia K5 insurance rates. A good driver about age 40 could pay as low as $1,120 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,410 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $640 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $483 more each year. View Rates by Deductible or Liability Limit

How to Find Cheap Kia K5 Insurance

Finding cheaper rates on Kia K5 insurance takes avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Compare prices at least every other year by requesting rates from direct carriers, and also from local exclusive and independent agents.

The points below are a brief summary of the car insurance concepts touched on in this article.

• High-risk drivers that tend to have accidents or serious violations may pay on average $1,970 more each year to insure a Kia K5
• Drivers can save as much as $200 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $650 each year
• Drivers who require increased liability limits will pay an extra $590 each year to raise limits from a 30/60 limit to the 250/500 level