Kia K5 Insurance Rates

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UPDATED: Mar 28, 2024

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Average auto insurance rates for a Kia K5 are $1,692 annually for full coverage. Comprehensive costs approximately $344, collision insurance costs $612, and liability costs around $536. A liability-only policy costs as low as $606 a year, and high-risk insurance costs around $3,662. 16-year-old drivers receive the highest rates at up to $6,386 a year.

Average premium for full coverage: $1,692

Rate estimates by individual coverage type:

Comprehensive $344
Collision $612
Liability $536

These estimates include $500 deductible amounts, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for all K5 models.

Price Range by Coverage and Risk

For the average driver, prices range range from as cheap as $606 for just liability coverage to the much higher price of $3,662 for a driver that may need high-risk insurance.

Liability Only $606
Full Coverage $1,692
High Risk $3,662

Price Range by Location

Where you live can make a big difference on car insurance rates. Rural locations tend to have fewer accident claims than congested cities. The example below illustrates how location impacts auto insurance prices.

Rural Areas $1,269
Small Cities $1,777
Large Cities $2,284

These examples show why everyone should compare prices using their specific location and their own personal driving habits, instead of making a decision based on rate 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.

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Detailed Rate Analysis

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

  • The best full coverage rate is $979
  • Using higher $1,000 deductibles will save $216 a year
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,692
  • Buying pricier low deductibles for physical damage coverage will cost $2,116
  • High-risk insureds with multiple tickets or accidents could pay around $3,662
  • The cost with full coverage for a 16-year-old driver for full coverage can cost $6,386 or more

View Chart as Image

Kia K5 insurance cost comparison chart
Column chart showing Kia K5 insurance rates range from $979 to $6,386 for full coverage

Insurance rates for a Kia K5 can also vary considerably based on the trim level of your K5, your driver profile, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,600 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $6,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying anywhere from $2,000 to $2,800 extra per year, depending on your age. Kia K5 insurance for high-risk drivers can be from 44% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $640 annually, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $483 more per year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Kia K5 insurance prices. A driver around age 40 might see rates as low as $1,120 a year in states like Iowa, Maine, and Idaho, or at least $2,410 on average in New York, Louisiana, and Michigan.

Kia K5 Insurance Rates by State
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%

View Chart as Image

Kia K5 insurance rates by U.S. city
Kia K5 Insurance Rates by Model Year
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 Buy Cheap Kia K5 Insurance

Saving money on insurance for a Kia K5 requires having a good driving record, having a good credit history, eliminating unneeded coverage, and possibly raising deductibles. Spend time shopping around once a year by requesting quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.

The next list is a brief summary of the data that was touched on above.

  • Drivers can save around $200 per year just by quoting online well ahead of the renewal date
  • Insureds who purchase increased levels of liability coverage will pay around $590 each year to increase from a minimum limit to higher 250/500 limits
  • Drivers age 20 and younger are expensive to insure, costing as high as $532 per month including comprehensive and collision insurance
  • Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,970 more per year to buy Kia K5 insurance

Rates by Driver Age

Kia K5 Insurance 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

Kia K5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,116
$250 $1,920
$500 $1,692
$1,000 $1,476

Full coverage, driver age 40

Rates by Liability Limit

Kia K5 Insurance Rates with Different Liability Limits
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

Kia K5 Insurance 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.

SR-22 Surcharge $235

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
Rate after discounts $979

Discounts are estimated and may not be available from every company or in every state.

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