Kia K5 Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated insurance rates for a Kia K5 are $1,692 a year for full coverage. Comprehensive costs an estimated $344, collision costs $612, and liability is estimated at $536. A liability-only policy costs approximately $606 a year, with high-risk insurance costing around $3,662. 16-year-old drivers pay the most at $6,386 a year or more.

Average premium for full coverage: $1,692

Premium estimates broken down by type of coverage:

Comprehensive $344
Collision $612
Liability $536

Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all states and for all K5 models.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Kia K5 go from as low as $606 for just liability insurance to the much higher price of $3,662 for a driver who requires high-risk insurance.

Liability Only $606
Full Coverage $1,692
High Risk $3,662

Insurance Price Range by Location

Living in a larger city can make a big difference on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than congested cities.

The example below illustrates the effect of geographic area on insurance prices.

Rural Areas $1,269
Small Cities $1,777
Large Cities $2,284

These rate differences show why everyone should get quotes for a targeted area and risk profile, instead of making a decision based on rate 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.

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More Rate Details

The chart below shows estimated Kia K5 insurance rates for other coverage scenarios.

  • The best full coverage rate is $979
  • Choosing higher $1,000 deductibles can save approximately $216 a year
  • The average rate for a 40-year-old good driver who has $500 deductibles is $1,692
  • Buying pricier low deductibles for comp and collision coverage will increase the cost to $2,116
  • Higher-risk drivers with multiple tickets or accidents could pay up to $3,662 or more
  • An auto insurance policy for full coverage for a 16-year-old driver for full coverage can cost as much as $6,386 each year

View Chart as Image

Kia K5 insurance cost comparison chart
Column chart showing full coverage Kia K5 insurance rates range from $979 to $6,386

Auto insurance prices for a Kia K5 also have a wide range based on your driving characteristics, the trim level of your K5, and liability limits and deductibles.

A more mature driver with a good driving record and high deductibles may pay as low as $1,600 annually on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay at least $6,300 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Kia K5 insurance prices. A good driver about age 40 could pay as low as $1,120 a year in states like Iowa, Maine, and Idaho, or at least $2,410 on average in New York, Louisiana, and Michigan.

Kia K5 Insurance Rates by State
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%

View Chart as Image

Kia K5 insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $640 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $483 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying $2,000 to $2,800 in extra premium annually, depending on your age. Kia K5 insurance for high-risk drivers ranges from 44% to 132% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the only way to know which insurance company is cheapest is to regularly compare prices from multiple companies. Each auto insurer utilizes a different rate formula, and quoted prices will be substantially different from one company to the next.

Kia K5 Insurance Rates by Model Year
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 Find the Cheapest Kia K5 Insurance

Finding better rates on insurance for a Kia K5 takes being safe and accident-free, having good credit, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates at every other renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below you'll find a recap of the concepts that were covered in the above illustrations.

  • Drivers considered higher risk that have major violations or accidents pay an average of $1,970 more annually than a low-risk driver
  • Youthful drivers are the costliest to insure, as much as $532 per month if they have full coverage
  • Drivers can save approximately $200 per year simply by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save around $650 each year
  • Drivers can save approximately $200 per year simply by quoting online well ahead of the renewal date

Rates by Driver Age

Kia K5 Insurance 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

Kia K5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,116
$250 $1,920
$500 $1,692
$1,000 $1,476

Full coverage, driver age 40

Rates by Liability Limit

Kia K5 Insurance Rates with Different Liability Limits
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

Kia K5 Insurance 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.

SR-22 Surcharge $235

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
Rate after discounts $979

Discounts are estimated and may not be available from every company or in every state.

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