Kia K5 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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The average insurance prices for a Kia K5 are $1,692 every 12 months for full coverage insurance. Comprehensive insurance costs around $344 each year, collision insurance costs $612, and liability insurance costs $536. Liability-only insurance costs as little as $606 a year, and high-risk driver insurance costs $3,662 or more. Teen drivers cost the most to insure at up to $6,386 a year.
Average premium for full coverage: $1,692
Policy rates for type of insurance:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and K5 models.
Price Range Variability
Using a middle-aged driver as an example, Kia K5 insurance rates range from the cheapest price of $606 for basic liability insurance to a high rate of $3,662 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than larger metro areas. The graphic below illustrates how where you live affects auto insurance rates.
The examples above illustrate why all drivers should compare rates for a specific zip code and their own driving history, rather than relying on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below illustrates average Kia K5 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $979
- Drivers who choose higher $1,000 deductibles will pay about $216 each year
- The average price for a good driver age 40 using $500 deductibles is $1,692
- Choosing low deductibles for comprehensive and collision insurance costs an extra $424 a year
- High risk drivers with multiple violations and an at-fault accident could pay at least $3,662
- Policy cost to insure a teen driver can be $6,386 a year
Auto insurance rates for a Kia K5 also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.
Choosing high deductibles could save up to $640 each year, whereas increasing liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $483 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles could pay as little as $1,600 per year on average, or $133 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay as much as $6,300 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $2,000 to $2,800 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 132% more than average. View High Risk Driver Rates
Your home state makes a big difference in Kia K5 insurance rates. A 40-year-old driver could pay as low as $1,100 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,280 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,530 | -$162 | -9.6% |
| Alaska | $1,298 | -$394 | -23.3% |
| Arizona | $1,404 | -$288 | -17.0% |
| Arkansas | $1,692 | -$0 | 0.0% |
| California | $1,928 | $236 | 13.9% |
| Colorado | $1,616 | -$76 | -4.5% |
| Connecticut | $1,740 | $48 | 2.8% |
| Delaware | $1,918 | $226 | 13.4% |
| Florida | $2,114 | $422 | 24.9% |
| Georgia | $1,562 | -$130 | -7.7% |
| Hawaii | $1,216 | -$476 | -28.1% |
| Idaho | $1,150 | -$542 | -32.0% |
| Illinois | $1,260 | -$432 | -25.5% |
| Indiana | $1,276 | -$416 | -24.6% |
| Iowa | $1,144 | -$548 | -32.4% |
| Kansas | $1,606 | -$86 | -5.1% |
| Kentucky | $2,308 | $616 | 36.4% |
| Louisiana | $2,506 | $814 | 48.1% |
| Maine | $1,046 | -$646 | -38.2% |
| Maryland | $1,396 | -$296 | -17.5% |
| Massachusetts | $1,352 | -$340 | -20.1% |
| Michigan | $2,938 | $1,246 | 73.6% |
| Minnesota | $1,418 | -$274 | -16.2% |
| Mississippi | $2,026 | $334 | 19.7% |
| Missouri | $1,502 | -$190 | -11.2% |
| Montana | $1,818 | $126 | 7.4% |
| Nebraska | $1,332 | -$360 | -21.3% |
| Nevada | $2,028 | $336 | 19.9% |
| New Hampshire | $1,218 | -$474 | -28.0% |
| New Jersey | $1,890 | $198 | 11.7% |
| New Mexico | $1,498 | -$194 | -11.5% |
| New York | $1,780 | $88 | 5.2% |
| North Carolina | $972 | -$720 | -42.6% |
| North Dakota | $1,388 | -$304 | -18.0% |
| Ohio | $1,168 | -$524 | -31.0% |
| Oklahoma | $1,736 | $44 | 2.6% |
| Oregon | $1,552 | -$140 | -8.3% |
| Pennsylvania | $1,614 | -$78 | -4.6% |
| Rhode Island | $2,260 | $568 | 33.6% |
| South Carolina | $1,534 | -$158 | -9.3% |
| South Dakota | $1,428 | -$264 | -15.6% |
| Tennessee | $1,482 | -$210 | -12.4% |
| Texas | $2,038 | $346 | 20.4% |
| Utah | $1,254 | -$438 | -25.9% |
| Vermont | $1,156 | -$536 | -31.7% |
| Virginia | $1,014 | -$678 | -40.1% |
| Washington | $1,308 | -$384 | -22.7% |
| West Virginia | $1,552 | -$140 | -8.3% |
| Wisconsin | $1,172 | -$520 | -30.7% |
| Wyoming | $1,508 | -$184 | -10.9% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Kia K5 | $370 | $656 | $498 | $1,724 |
| 2023 Kia K5 | $356 | $640 | $520 | $1,716 |
| 2022 Kia K5 | $344 | $612 | $536 | $1,692 |
| 2021 Kia K5 | $326 | $592 | $554 | $1,672 |
Rates are averaged for all Kia K5 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for More Affordable Kia K5 Insurance
Finding cheaper rates on Kia K5 insurance not only requires avoiding accidents and violations, but also having a good credit score, being claim-free, and possibly raising deductibles. Take the time to comparison shop at least every other year by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.
The list below is a summary of the car insurance concepts touched on in the above illustrations.
- High-risk drivers who have multiple accidents or major violations may pay on average $1,970 more every year for car insurance
- It is possible to save up to $200 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles could save as much as $650 each year
- Drivers who may need higher liability limits will pay about $590 annually to go from a 30/60 limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,386 |
| 20 | $3,904 |
| 30 | $1,756 |
| 40 | $1,692 |
| 50 | $1,546 |
| 60 | $1,516 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,116 |
| $250 | $1,920 |
| $500 | $1,692 |
| $1,000 | $1,476 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,692 |
| 50/100 | $1,799 |
| 100/300 | $1,933 |
| 250/500 | $2,282 |
| 100 CSL | $1,853 |
| 300 CSL | $2,148 |
| 500 CSL | $2,362 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,104 |
| 20 | $6,216 |
| 30 | $3,736 |
| 40 | $3,662 |
| 50 | $3,498 |
| 60 | $3,464 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $90 |
| Multi-vehicle | $89 |
| Homeowner | $26 |
| 5-yr Accident Free | $122 |
| 5-yr Claim Free | $109 |
| Paid in Full/EFT | $75 |
| Advance Quote | $83 |
| Online Quote | $119 |
| Total Discounts | $713 |
Discounts are estimated and may not be available from every company or in every state.
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