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...
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UPDATED: Mar 28, 2024
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Average insurance rates for a Kia K5 are $1,692 a year for full coverage. Comprehensive insurance costs approximately $344 each year, collision costs $612, and liability insurance is estimated at $536. Buying just liability costs approximately $606 a year, with insurance for high-risk drivers costing $3,662 or more. Teen drivers receive the highest rates at $6,386 a year or more.
Average premium for full coverage: $1,692
Rate estimates by individual coverage type:
Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and K5 models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as low as $606 for just liability insurance to a high rate of $3,662 for a high-risk insurance policy.
Price Range by Location
Living in a larger city has a significant impact on car insurance rates. Rural locations tend to have a lower frequency of accident claims than larger metro areas.
The graphic below illustrates how rural and urban location affects auto insurance prices.
These examples show why all drivers should get quotes using their specific location and risk profile, rather than relying on price averages.
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 Details
The chart below shows estimated Kia K5 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $979
- Choosing higher $1,000 deductibles can save $216 a year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,692
- Choosing low deductibles for comp and collision coverage will cost an extra $424 a year
- High-risk insureds with multiple violations and an at-fault accident could pay around $3,662 or more
- The cost for full coverage for a teen driver can cost $6,386 each year
Auto insurance rates for a Kia K5 can also vary considerably based on your driver profile, the trim level of your K5, and physical damage deductibles and liability limits.
More mature drivers with a good driving record and high deductibles could pay as little as $1,600 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay in the ballpark of $6,300 a year. View Rates by Age
Where you live plays a big part in determining prices for Kia K5 insurance rates. A good driver about age 40 could pay as low as $1,120 a year in states like Iowa, Maine, and Idaho, or as much as $2,410 on average in New York, Louisiana, and Michigan.
| 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% |
Choosing high deductibles can save as much as $640 each year, whereas increasing liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $483 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying anywhere from $2,000 to $2,800 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 132% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to do a rate comparison from as many companies as possible. Each auto insurer uses a different rate calculation, and quoted rates can be significantly different from one company to the next.
| 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 Find Affordable Kia K5 Insurance
Saving money on Kia K5 insurance takes having a decent driving record, having good credit, eliminating unneeded coverage, and not having any coverage lapses. Set aside time to shop around at least every other year by requesting quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.
The following items are a brief review of the car insurance concepts raised in the charts and tables above.
- High-risk drivers with DUI or reckless driving convictions may pay on average $1,970 more per year than a driver with a clean driving record
- Drivers can save around $200 per year simply by quoting online in advance
- Increasing deductibles can save around $650 each year
- Drivers who purchase additional liability coverage will pay about $590 each year to raise limits from a minimum limit to 250/500 limits
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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