Kia K5 Insurance Rates

Average insurance rates for a Kia K5 are $1,692 a year for full coverage insurance. Comprehensive costs an estimated $344, collision insurance costs $612, and liability costs $536. A policy with just liability insurance costs as little as $606 a year, and coverage for high-risk drivers costs around $3,662. Teenage drivers receive the highest rates at up to $6,386 a year.

Average premium for full coverage: $1,692

Rate estimates broken down by individual coverage type:

Rates are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for all K5 models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than densely populated cities. The example below illustrates how location impacts insurance prices.

These examples illustrate why everyone should compare rates for a targeted area and risk profile, instead of making a decision based on average rates.

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

Rate Comparisons

The chart below illustrates average Kia K5 insurance rates for other coverage scenarios.

• The best discount rate is $979
• Drivers who choose higher $1,000 deductibles will pay approximately $216 each year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,692
• Using pricier low deductibles for comprehensive and collision insurance will increase the cost to $2,116
• Drivers who are prone to accidents and violations could pay up to $3,662
• The cost for full coverage for a 16-year-old driver for full coverage can cost as much as $6,386 a year

View Chart as Image

Insurance rates for a Kia K5 can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.

A more mature driver with no violations or accidents and high deductibles may pay as low as $1,600 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay at least $6,300 a year. View Rates by Age

Where you live makes a big difference in Kia K5 insurance prices. A 40-year-old driver could pay as low as $1,100 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,280 on average in Florida, New York, and Michigan.

View Chart as Image

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

If you like to drive fast or tend to cause accidents, you are probably paying $2,000 to $2,800 additional per year, depending on your age. Kia K5 insurance for high-risk drivers can cost from 44% to 132% more than a normal policy. View High Risk Driver Rates

How to Find the Best Cheap Kia K5 Insurance

Saving money on insurance for a Kia K5 not only requires avoiding accidents and violations, but also having a good credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Spend time shopping around at least every other year by requesting quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

The list below is a quick review of the car insurance concepts touched on above.

• Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,970 more annually for car insurance
• It is possible to save approximately $200 per year just by quoting online well ahead of the renewal date
• Increasing deductibles can save around $650 each year
• Insureds who want higher liability limits will pay an extra $590 annually to go from a minimum limit to 250/500 limits