Kia K5 Insurance Rates

The average insurance rates for a Kia K5 are $1,692 a year for full coverage. Comprehensive insurance costs an estimated $344 each year, collision insurance costs $612, and liability insurance is estimated at $536. Liability-only coverage costs approximately $606 a year, and high-risk coverage costs $3,662 or more. Teen drivers cost the most to insure at up to $6,386 a year.

Average premium for full coverage: $1,692

Policy rates broken down by type of insurance:

Includes $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and K5 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. More rural locations are shown to have a lower frequency of accident claims than larger metro areas. The graphic below illustrates how rural and urban location affects insurance prices.

The examples above show why all drivers should get quotes for a targeted area and risk profile, rather than relying on price averages.

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

Additional Rate Analysis

The chart below shows average Kia K5 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $979
• Choosing higher $1,000 deductibles can save approximately $216 a year
• The average rate for a good driver age 40 who has $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 up to $3,662
• Policy cost for full coverage for a teen driver can cost as much as $6,386 each year

View Chart as Image

Insurance rates for a Kia K5 also range considerably based on your risk profile, the trim level of your K5, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles could pay as little as $1,600 annually on average, or $133 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay at least $6,300 a year. View Rates by Age

Your home state 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.

View Chart as Image

Choosing high deductibles can save as much as $640 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $483 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $2,000 to $2,800 additional every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 132% more than average. View High Risk Driver Rates

How to Find the Cheapest Kia K5 Insurance

Finding cheaper rates on Kia K5 insurance takes being a good driver, having a good credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to shop around once a year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following list is a recap of the data that was raised in the charts and tables above.

• Drivers can save approximately $200 per year just by quoting online in advance
• Drivers who want an increased level of liability coverage will pay about $590 each year to raise limits from a 30/60 limit to 250/500 limits
• Drivers age 16 to 20 are expensive to insure, costing up to $532 each month including comprehensive and collision insurance
• High-risk drivers that have major violations or accidents pay an average of $1,970 more annually than a safer driver