Kia K5 Insurance Rates

The average auto insurance rates for a Kia K5 are $1,692 annually for full coverage. Comprehensive costs around $344 each year, collision insurance costs $612, and liability costs around $536. Liability-only coverage costs as low as $606 a year, and high-risk coverage costs around $3,662. Teenage 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:

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

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than densely populated cities. The graphic below illustrates the difference location can make on auto insurance rates.

The examples above show why all drivers should compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below shows average Kia K5 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $979
• Using higher $1,000 deductibles will save about $216 a year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,692
• Using low deductibles for physical damage coverage will cost $2,116
• High-risk insureds who are prone to accidents and violations could pay at least $3,662
• Policy cost with full coverage for a 16-year-old driver can be $6,386 or more

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

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,600 a year, or $133 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared 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 caused a few accidents, you could be paying at least $2,000 to $2,800 additional every year, depending on your age. Insurance for high-risk drivers can be from 44% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $640 annually, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $483 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Kia K5 insurance prices. A driver around age 40 might see rates 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

How to Buy the Best Cheap Kia K5 Insurance

Finding cheaper rates on insurance for a Kia K5 requires avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Make time to compare rates at every policy renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The list below is a quick review of the data touched on in this article.

• Insureds who may need higher liability limits will pay an extra $590 each year to increase from a 30/60 limit to higher 250/500 limits
• Drivers can save up to $200 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $650 each year
• Teenagers are charged the highest rates, costing up to $532 each month if they have full coverage