Kia K5 Insurance Rates

U.S. average insurance rates for a Kia K5 are $1,716 a year for full coverage. Comprehensive costs around $356 each year, collision insurance costs $640, and liability coverage costs $520. Buying just liability costs as little as $592 a year, and insurance for high-risk drivers costs around $3,710. Teenage drivers pay the highest rates at up to $6,430 a year.

Average premium for full coverage: $1,716

Price estimates for individual coverage:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and K5 models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than densely populated cities. The graphic below illustrates how geographic area affects auto insurance rates.

The ranges above show why all drivers should compare rates for a specific zip code and risk profile, rather than using average rates.

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

Additional Rate Information

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

• The best discount rate is $991
• Drivers who choose higher $1,000 deductibles will pay about $226 a year
• The average rate for the average middle-age driver using $500 deductibles is $1,716
• Using low deductibles for comprehensive and collision insurance will increase the cost to $2,154
• High-risk insureds who are prone to accidents and violations could pay at least $3,710
• The price for full coverage for a teenage driver can be $6,430 a year

View Chart as Image

Insurance prices for a Kia K5 are also quite variable based on your driving record, the trim level of your K5, and deductibles and policy limits.

More mature drivers with no violations or accidents and high deductibles may only pay around $1,600 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay as much as $6,400 a year. View Rates by Age

The state you live in makes a big difference in Kia K5 insurance rates. A 40-year-old driver could pay as low as $1,130 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,450 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $670 a year, whereas increasing liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $468 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $2,000 to $2,800 additional each year, depending on your age. Insurance for high-risk drivers can cost around 44% to 130% more than a normal policy. View High Risk Driver Rates

How to Find Affordable Kia K5 Insurance

Getting lower rates on auto insurance not only requires avoiding accidents and claims, but also having a good credit history, eliminating unnecessary coverage, and deciding if full coverage is necessary. Invest the time to compare rates every year by requesting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.

The points below are a brief review of the coverage data presented in the illustrations above.

• Drivers can save up to $210 per year just by quoting online in advance
• Increasing physical damage deductibles can save around $675 each year
• Drivers under the age of 20 are charged the highest prices, with premiums as much as $536 a month including comprehensive and collision insurance
• Drivers with DUI or reckless driving convictions may be required to pay an average of $1,990 more every year to insure a Kia K5