Kia K5 Insurance Rates

Average insurance prices for a Kia K5 are $1,692 every 12 months with full coverage. Comprehensive insurance costs on average $344, collision insurance costs $612, and liability is $536. Liability-only coverage costs around $606 a year, and high-risk coverage costs $3,662 or more. Teenage 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:

Rates are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and for different K5 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas tend to have more infrequent collision claims than densely populated cities. The price range example below illustrates how geographic area affects car insurance rates.

These examples demonstrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, instead of using average rates.

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

Additional Rate Information

The chart below details average Kia K5 insurance rates for different risk profiles and scenarios.

• The best discount rate is $979
• Raising to $1,000 deductibles will save around $216 annually
• The average price for a 40-year-old driver with $500 deductibles is $1,692
• Using more expensive low deductibles costs an extra $424 every year
• At-risk drivers who are prone to accidents and violations could pay upwards of $3,662
• The cost to insure a teen driver with full coverage may cost $6,386

View Chart as Image

Car insurance rates for a Kia K5 can also vary considerably based on policy deductibles and limits, your driving record, and the trim level of your K5.

Using high physical damage deductibles can reduce rates by up to $640 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $483 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as little as $1,600 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged upwards of $6,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $2,000 to $2,800 extra per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 132% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Kia K5 insurance prices. A middle-age driver might find rates as low as $1,220 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,280 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for the Best Cheap Kia K5 Insurance

Saving money on car insurance consists of having a decent driving record, maintaining a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Invest the time to compare rates at least once a year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a quick review of the primary concepts that were presented in the illustrations above.

• You may be able to save as much as $200 per year just by shopping early and online
• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,970 more each year than a driver with a clean driving record
• Increasing deductibles could save as much as $650 each year
• 16 to 18-year-old drivers are expensive to insure, with premiums as much as $532 per month if the policy includes full coverage