Kia K5 Insurance Rates

The average insurance rates for a Kia K5 are $1,692 a year for full coverage. Comprehensive insurance costs on average $344, collision insurance costs $612, and liability is estimated at $536. A liability-only policy costs approximately $606 a year, and high-risk insurance costs $3,662 or more. 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:

Price estimates include $500 deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and for all K5 models.

Price Range Variability

Urban vs. Rural Price Range

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

The examples above show why everyone should get quotes based on a specific location, instead of making a decision based 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 pricier low deductibles for comp and collision coverage will cost an additional $424 annually
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,662
• Policy cost that insures a 16-year-old driver for full coverage may cost $6,386 each year

View Chart as Image

Car insurance rates for a Kia K5 also range considerably based on the model of your K5, 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 extra every year, depending on your age. Kia K5 insurance for high-risk drivers ranges from 44% to 132% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low 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 will be charged upwards of $6,300 a year. View Rates by Age

Your home state 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 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 annually, whereas buying more liability protection 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 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find Cheaper Kia K5 Insurance

Finding cheaper rates on insurance for a Kia K5 takes not taking risks behind the wheel, having a positive credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Compare prices at least every other year by requesting quotes from direct carriers, and also from local exclusive and independent agents.

The following is a condensed summary of the car insurance concepts touched on in this article.

• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,970 more each year for K5 insurance
• Drivers can save as much as $200 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $650 each year
• Insureds who require higher liability limits will pay an extra $590 each year to raise limits from a 30/60 limit to the 250/500 level