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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U.S. average insurance prices for a Kia K5 are $1,692 every 12 months for full coverage. Comprehensive insurance costs approximately $344 each year, collision insurance costs $612, and liability is estimated at $536. Liability-only insurance costs approximately $606 a year, and high-risk driver insurance costs $3,662 or more. Teenage drivers pay the highest rates at up to $6,386 a year.
Average premium for full coverage: $1,692
Price estimates by individual coverage:
Rate estimates include $500 deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and K5 models.
Price Range from Low to High
For the average driver, Kia K5 insurance prices range from the cheapest price of $606 for just liability insurance to a high rate of $3,662 for a driver that may need high-risk insurance.
Geographic Price Range
Living in a larger city can have significant affects on car insurance rates. Rural locations have more infrequent accident claims than densely populated cities. The graphic below illustrates how location impacts auto insurance prices.
The ranges above show why all drivers should get quotes using their specific location and their own driving history, instead of using average rates.
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 average Kia K5 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $979
- Choosing higher $1,000 deductibles can save $216 a year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,692
- Using low deductibles for comp and collision coverage costs an extra $424 every year
- Unlucky drivers who are prone to accidents and violations could pay around $3,662
- The price to insure a teen driver can cost $6,386 each year
Car insurance prices for a Kia K5 are also quite variable based on deductibles and policy limits, your driver profile, and the model of your K5.
Using high physical damage deductibles can save as much as $640 every year, whereas increasing liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $483 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may pay as little as $1,600 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged in the ballpark of $6,300 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $2,000 to $2,800 extra each year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 132% more than a normal policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Kia K5 insurance prices. A good driver about age 40 could pay as low as $1,120 a year in states like Iowa, Maine, and Idaho, or be forced to pay 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% |
| 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 the Best Kia K5 Insurance
Getting lower rates on car insurance takes not taking risks behind the wheel, maintaining a good credit score, eliminating unnecessary coverage, and attention to physical damage deductibles. Spend time shopping around once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following is a brief recap of the data that was touched on above.
- Drivers can save around $200 per year just by quoting online in advance
- Policyholders who purchase higher liability limits will pay an extra $590 each year to raise limits from a low limit to a 250/500 level
- Teens pay the highest auto insurance prices, with premiums as much as $532 a month if the policy includes full coverage
- Higher risk drivers who tend to receive serious violations may pay on average $1,970 more per year for K5 insurance
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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