Kia K5 Insurance Rates

The average insurance rates for a Kia K5 are $1,692 a year including full coverage. Comprehensive insurance costs approximately $344 each year, collision insurance costs $612, and liability is estimated at $536. Buying just liability costs approximately $606 a year, and insurance for high-risk drivers costs $3,662 or more. 16-year-old drivers cost the most to insure at up to $6,386 a year.

Average premium for full coverage: $1,692

Policy rates by type of insurance:

Estimates include $500 physical damage deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and K5 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than congested cities. The graphic below illustrates the difference location can make on auto insurance prices.

The examples above highlight why all drivers should get quotes using their specific location and risk profile, instead of using rate averages.

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

Additional Charts and Tables

The chart below breaks down average Kia K5 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $979
• Choosing higher $1,000 deductibles can save $216 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,692
• Buying low deductibles for comp and collision coverage will cost an extra $424 every year
• Unlucky drivers with multiple tickets or accidents could pay around $3,662
• Policy cost for full coverage for a teen driver can cost $6,386 each year

View Chart as Image

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

More mature drivers with a clean driving record and high deductibles may 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 can expect to pay in the ballpark of $6,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Kia K5 insurance prices. A good driver about age 40 could pay as low as $1,300 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,410 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $640 every year, whereas increasing liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $483 more per year. View Rates by Deductible or Liability Limit

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

How to Find Low Cost Kia K5 Insurance

Finding cheaper rates on car insurance takes being a safe and courteous driver, maintaining good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Make time to compare rates every couple of years by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below is a review of the material that was touched on in this article.

• Policyholders who purchase higher levels of liability will pay around $590 per year to raise limits from a 30/60 limit to 250/500 limits
• Teenage drivers are expensive to insure, with premiums being up to $532 each month for full coverage
• Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,970 more per year for auto insurance
• Increasing comprehensive and collision deductibles can save around $650 each year