Kia K5 Insurance Rates

Average insurance prices for a Kia K5 are $1,692 every 12 months with full coverage. Comprehensive costs around $344 a year, collision insurance costs $612, and liability insurance costs $536. A liability-only policy costs as little as $606 a year, and high-risk insurance 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 for individual coverage type:

Estimates include $500 deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and K5 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on insurance rates. Areas with sparse population tend to have more infrequent collision claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance rates.

These examples demonstrate why it is important to compare rates for a specific zip code and their own driving history, rather than relying on average rates.

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

Rate Comparisons

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

• The best discount rate is $979
• Drivers who choose higher $1,000 deductibles will pay about $1,476 annually
• The average price for a 40-year-old driver using $500 deductibles is $1,692
• Using low $100 deductibles for comprehensive and collision insurance increases the price to $2,116
• High risk drivers who are prone to accidents and violations could pay at least $3,662
• The cost to insure a teen driver can be $6,386 a year

View Chart as Image

Insurance rates for a Kia K5 can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.

Using high physical damage deductibles could save up to $640 each year, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $483 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,600 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay as much as $6,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at least $2,000 to $2,800 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates

Where you live makes a big difference in Kia K5 insurance rates. A 40-year-old driver could pay as low as $1,220 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,280 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for Low Cost Kia K5 Insurance

Saving money on Kia K5 insurance not only requires not taking risks behind the wheel, but also having good credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to shop around at every policy renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a review of the data raised in the charts and tables above.

• Drivers who may need higher liability limits will pay an extra $590 every year to go from a minimum limit to a 250/500 level
• You may be able to save up to $200 per year just by quoting early and online
• Increasing deductibles could save as much as $650 each year
• Teens pay higher rates, with premiums as much as $532 per month if they have full coverage