Kia K5 Insurance Rates

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UPDATED: Mar 28, 2024

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U.S. average insurance prices for a Kia K5 are $1,692 every 12 months with full coverage. Comprehensive costs approximately $344, collision insurance costs $612, and liability insurance costs around $536. Liability-only coverage costs as low as $606 a year, and high-risk coverage costs around $3,662. 16-year-old drivers pay the highest rates at up to $6,386 a year.

Average premium for full coverage: $1,692

Price estimates by individual coverage:

Comprehensive $344
Collision $612
Liability $536

Includes $500 physical damage deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for all K5 models.

Price Range from Low to High

For the average 40-year-old driver, Kia K5 insurance prices range from the cheapest price of $606 for a discount liability-only rate to the much higher price of $3,662 for a high-risk insurance policy.

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

Geographic Price Range

Where you live has a significant impact on the price of insurance. Rural locations have more infrequent collision claims than congested cities. The example below illustrates the difference location can make on auto insurance prices.

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

The ranges above demonstrate why everyone should compare prices using their specific location and their own driving history, rather than relying 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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Rates by State, City, and Model

The chart below details 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 annually
  • The average price for the average middle-age driver who chooses $500 deductibles is $1,692
  • Buying pricier low deductibles for physical damage coverage increases the price to $2,116
  • Drivers with multiple tickets or accidents could pay around $3,662
  • The price to insure a teen 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

Auto insurance prices for a Kia K5 are also quite variable based on deductibles and policy limits, your driving record, and the model of your K5.

Opting for high physical damage deductibles could cut prices by as much as $640 each year, whereas buying more liability protection will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $483 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles could pay as little as $1,600 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay 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 may be forking out anywhere from $2,000 to $2,800 in extra premium each year, depending on your age. Kia K5 insurance for high-risk drivers can be anywhere from 44% to 132% more than the average rate. View High Risk Driver Rates

The state you live in has a huge impact on Kia K5 insurance rates. A driver around age 40 might see prices as low as $1,220 a year in states like Utah, Ohio, and New Hampshire, or at least $2,280 on average in New York, Michigan, and Florida.

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 Shop for the Cheapest Kia K5 Insurance

Getting lower rates on Kia K5 insurance requires being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Make time to compare rates at least every other year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below is a recap of the car insurance concepts touched on in this article.

  • High-risk drivers that have major violations or accidents could be forced to pay on average $1,970 more per year for auto insurance
  • You may be able to save around $200 per year just by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles could save as much as $650 each year
  • Drivers who purchase higher levels of liability will pay around $590 every year to increase from a low limit to a 250/500 level

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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