Kia K5 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Kia K5 are $1,716 annually for full coverage. Comprehensive costs around $356 each year, collision costs $640, and liability is estimated at $520. Liability-only coverage costs approximately $592 a year, with high-risk coverage costing around $3,710. Teen drivers cost the most to insure at $6,430 a year or more.
Average premium for full coverage: $1,716
Policy rates for type of insurance:
Estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and K5 models.
Price Range Variability
For the average 40-year-old driver, Kia K5 insurance rates go from as cheap as $592 for your basic liability-only policy to a high rate of $3,710 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than larger metro areas.
The graphic below illustrates the difference location can make on auto insurance rates.
The examples above show why all drivers should get quotes for a specific zip code and their own personal driving habits, instead of making a decision based 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 Information
The chart below shows estimated Kia K5 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $991
- Choosing higher $1,000 deductibles can save about $226 a year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,716
- Choosing low deductibles for comp and collision coverage will cost $2,154
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,710 or more
- Policy cost with full coverage for a 16-year-old driver can be $6,430 each year
Insurance rates for a Kia K5 also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,600 annually on average, or $133 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay as much as $6,400 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying at least $2,000 to $2,800 additional every year, depending on your age. Insurance for high-risk drivers ranges from 44% to 130% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $670 annually, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $468 more each year. View Rates by Deductible or Liability Limit
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 $1,130 a year in states like Idaho, Maine, and Iowa, or as much as $2,450 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,550 | -$166 | -9.7% |
| Alaska | $1,314 | -$402 | -23.4% |
| Arizona | $1,422 | -$294 | -17.1% |
| Arkansas | $1,716 | -$0 | 0.0% |
| California | $1,952 | $236 | 13.8% |
| Colorado | $1,636 | -$80 | -4.7% |
| Connecticut | $1,762 | $46 | 2.7% |
| Delaware | $1,942 | $226 | 13.2% |
| Florida | $2,144 | $428 | 24.9% |
| Georgia | $1,582 | -$134 | -7.8% |
| Hawaii | $1,232 | -$484 | -28.2% |
| Idaho | $1,164 | -$552 | -32.2% |
| Illinois | $1,278 | -$438 | -25.5% |
| Indiana | $1,294 | -$422 | -24.6% |
| Iowa | $1,160 | -$556 | -32.4% |
| Kansas | $1,628 | -$88 | -5.1% |
| Kentucky | $2,338 | $622 | 36.2% |
| Louisiana | $2,538 | $822 | 47.9% |
| Maine | $1,058 | -$658 | -38.3% |
| Maryland | $1,416 | -$300 | -17.5% |
| Massachusetts | $1,372 | -$344 | -20.0% |
| Michigan | $2,978 | $1,262 | 73.5% |
| Minnesota | $1,436 | -$280 | -16.3% |
| Mississippi | $2,056 | $340 | 19.8% |
| Missouri | $1,522 | -$194 | -11.3% |
| Montana | $1,846 | $130 | 7.6% |
| Nebraska | $1,352 | -$364 | -21.2% |
| Nevada | $2,056 | $340 | 19.8% |
| New Hampshire | $1,234 | -$482 | -28.1% |
| New Jersey | $1,916 | $200 | 11.7% |
| New Mexico | $1,518 | -$198 | -11.5% |
| New York | $1,806 | $90 | 5.2% |
| North Carolina | $988 | -$728 | -42.4% |
| North Dakota | $1,406 | -$310 | -18.1% |
| Ohio | $1,184 | -$532 | -31.0% |
| Oklahoma | $1,760 | $44 | 2.6% |
| Oregon | $1,570 | -$146 | -8.5% |
| Pennsylvania | $1,636 | -$80 | -4.7% |
| Rhode Island | $2,288 | $572 | 33.3% |
| South Carolina | $1,556 | -$160 | -9.3% |
| South Dakota | $1,448 | -$268 | -15.6% |
| Tennessee | $1,502 | -$214 | -12.5% |
| Texas | $2,066 | $350 | 20.4% |
| Utah | $1,270 | -$446 | -26.0% |
| Vermont | $1,174 | -$542 | -31.6% |
| Virginia | $1,028 | -$688 | -40.1% |
| Washington | $1,326 | -$390 | -22.7% |
| West Virginia | $1,572 | -$144 | -8.4% |
| Wisconsin | $1,186 | -$530 | -30.9% |
| Wyoming | $1,530 | -$186 | -10.8% |
Because rates have so much variability, the only way to know your exact price is to do a rate comparison from multiple companies. Each auto insurer uses a different rate calculation, and rates will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Kia K5 | $384 | $660 | $488 | $1,732 |
| 2023 Kia K5 | $370 | $656 | $498 | $1,724 |
| 2022 Kia K5 | $356 | $640 | $520 | $1,716 |
| 2021 Kia K5 | $344 | $612 | $536 | $1,692 |
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 Buy Low Cost Kia K5 Insurance
Finding cheaper rates on insurance for a Kia K5 takes avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Make time to compare rates at least once a year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The points below are a review of the primary concepts that were touched on in this article.
- Drivers can save up to $210 per year simply by quoting online in advance
- Drivers considered higher risk who have several accidents or serious violations pay an average of $1,990 more every year to insure a Kia K5
- Increasing comprehensive and collision deductibles could save up to $675 each year
- Drivers under the age of 20 are charged the highest rates, costing up to $536 each month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,430 |
| 20 | $3,958 |
| 30 | $1,786 |
| 40 | $1,716 |
| 50 | $1,564 |
| 60 | $1,534 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,154 |
| $250 | $1,952 |
| $500 | $1,716 |
| $1,000 | $1,490 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,716 |
| 50/100 | $1,820 |
| 100/300 | $1,950 |
| 250/500 | $2,288 |
| 100 CSL | $1,872 |
| 300 CSL | $2,158 |
| 500 CSL | $2,366 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,174 |
| 20 | $6,298 |
| 30 | $3,788 |
| 40 | $3,710 |
| 50 | $3,542 |
| 60 | $3,506 |
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 | $91 |
| Multi-vehicle | $90 |
| Homeowner | $26 |
| 5-yr Accident Free | $125 |
| 5-yr Claim Free | $111 |
| Paid in Full/EFT | $77 |
| Advance Quote | $84 |
| Online Quote | $121 |
| Total Discounts | $725 |
Discounts are estimated and may not be available from every company or in every state.
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