Kia K5 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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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Average auto insurance rates for a Kia K5 are $1,692 annually for full coverage. Comprehensive insurance costs on average $344 each year, collision costs $612, and liability coverage is $536. Buying just liability costs around $606 a year, with insurance for high-risk drivers costing $3,662 or more. Teen drivers receive the highest rates at $6,386 a year or more.
Average premium for full coverage: $1,692
Rate estimates by individual coverage type:
Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and K5 models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as cheap as $606 for just the minimum liability insurance to a high rate of $3,662 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Rural areas tend to have fewer accident claims than larger metro areas.
The graphic below illustrates how rural and urban location affects car insurance rates.
These examples show why all drivers should compare rates quotes based on a specific location and their own personal driving habits, rather than using 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.
Additional Rate Analysis
The chart below shows estimated Kia K5 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $979
- Raising to $1,000 deductibles will save around $216 a year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,692
- Choosing low deductibles costs an additional $424 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $3,662 or more
- The cost with full coverage for a teenage driver may cost $6,386
Auto insurance rates for a Kia K5 can also vary considerably based on the trim level of your K5, your driver profile, and policy deductibles and limits.
More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,600 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay upwards of $6,300 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at a minimum $2,000 to $2,800 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $640 a year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $483 extra every year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Kia K5 insurance rates. A middle-age driver might find rates as low as $1,120 a year in states like Idaho, Maine, and Iowa, or as much as $2,410 on average in Michigan, Louisiana, and New York.
| 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% |
With so much variability in rates, the only way to know exactly what you will pay is to do a rate comparison and see how they stack up. Every auto insurance company uses a different rate calculation, and quoted rates can be significantly different between companies.
| 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 Buy Affordable Kia K5 Insurance
Saving money on auto insurance consists of being a good driver, having above-average credit, eliminating unneeded coverage, and taking advantage of discounts. Set aside time to shop around every other policy renewal by requesting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.
The following list is a brief review of the ideas that were raised in the charts and tables above.
- Drivers age 16 to 20 are charged the highest rates, costing as high as $532 per month if full coverage is included
- Drivers with DUI or reckless driving convictions may be required to pay an average of $1,970 more each year than a safer driver
- Increasing deductibles could save up to $650 each year
- Drivers can save as much as $200 per year simply by quoting online in advance
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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