Kia K5 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Estimated insurance prices for a Kia K5 are $1,692 every 12 months for full coverage insurance. Comprehensive insurance costs around $344, collision costs $612, and liability coverage costs around $536. A policy with only liability insurance costs as low as $606 a year, with a high-risk policy costing $3,662 or more. Teens pay the most at $6,386 a year or more.
Average premium for full coverage: $1,692
Premium estimates for type of coverage:
Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for all K5 models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Kia K5 go from the cheapest price of $606 for your basic liability-only policy to the much higher price of $3,662 for high-risk insurance.
Insurance Price Range by Location
Where you live has a large influence on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion.
The example below illustrates the difference between rural and urban areas on auto insurance rates.
These rate differences illustrate why everyone should compare prices for a specific zip code and their own driving history, rather than using averaged prices.
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.
More Rate Information
The chart below illustrates estimated Kia K5 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $979
- Using higher $1,000 deductibles will save about $216 each year
- The average price for a 40-year-old good driver using $500 deductibles is $1,692
- Selecting pricier low deductibles for physical damage coverage costs an extra $424 each year
- Higher-risk drivers with serious driving violations could pay at least $3,662 or more
- An auto insurance policy to insure a teenage driver for full coverage can be $6,386 or more
Car insurance prices for a Kia K5 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $640 a year, whereas buying more liability protection will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $483 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may only pay around $1,600 a year, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged as much as $6,300 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at least $2,000 to $2,800 extra annually, depending on your age. Kia K5 insurance for high-risk drivers can be around 44% to 132% more than the average policy. View High Risk Driver Rates
Where you choose to live has a huge impact on Kia K5 insurance rates. A driver around age 40 might see prices as low as $1,100 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,280 on average in Michigan, New York, and Florida.
| 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% |
With such a large range in prices, the only way to figure out your exact price is to regularly compare prices and see how they stack up. Each insurance company calculates prices differently, so rate quotes will be substantially different.
| 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 Shop for Low Cost Kia K5 Insurance
Finding better rates on auto insurance requires having a decent driving record, maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to compare rates every couple of years by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.
The following items are a review of the material that was covered above.
- Consumers who may need additional liability coverage will pay approximately $590 annually to increase from 30/60 bodily injury limits to a 250/500 level
- 16 to 18-year-old drivers are the costliest to insure, with premiums being up to $532 per month if the policy includes full coverage
- Drivers who have several accidents or serious violations may pay on average $1,970 more every year than a driver with a clean driving record
- Increasing policy deductibles could save as much as $650 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,116 |
| $250 | $1,920 |
| $500 | $1,692 |
| $1,000 | $1,476 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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