Kia K5 Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated insurance rates for a Kia K5 are $1,692 a year for full coverage. Comprehensive insurance costs on average $344, collision costs $612, and liability coverage is $536. Liability-only insurance costs around $606 a year, with high-risk driver insurance costing $3,662 or more. Teen drivers pay the most at $6,386 a year or more.

Average premium for full coverage: $1,692

Premium estimates by type of coverage:

Comprehensive $344
Collision $612
Liability $536

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for different K5 trim levels.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Kia K5 go from as low as $606 for the bare minimum liability coverage to a much higher rate of $3,662 for a driver who has had serious violations or accidents.

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

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than larger metro areas.

The price range example below illustrates the difference location can make on car insurance rates.

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

These rate differences show why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, rather than using 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.

Additional Rate Information

The chart below shows estimated Kia K5 insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $979
  • Raising to $1,000 deductibles will save around $216 a year
  • The average rate for a 40-year-old good driver with $500 deductibles is $1,692
  • Choosing more expensive low deductibles will cost an extra $424 each year
  • Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $3,662 or more
  • An auto insurance policy for full coverage for a teenage driver with full coverage may cost $6,386

View Chart as Image

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

Insurance prices for a Kia K5 also have a wide range based on your driving characteristics, the trim level of your K5, and policy deductibles and limits.

An older driver with no violations or accidents and high deductibles may only pay around $1,600 every 12 months on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay upwards of $6,300 a year. View Rates by Age

Where you choose to live also has a big influence on Kia K5 insurance rates. A middle-age driver might find prices as low as $1,120 a year in states like Idaho, Maine, and Iowa, or as much as $2,410 on average in Michigan, Louisiana, and New York.

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

Choosing high deductibles can reduce prices by up to $640 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $483 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at a minimum $2,000 to $2,800 additional annually, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 132% more than average. View High Risk Driver Rates

With such a large range in prices, the only way to know exactly what you will pay is to compare prices and see how they stack up. Every auto insurance company uses a different rate calculation, and prices will be substantially different from one company to the next.

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 Find Low Cost Kia K5 Insurance

Finding better rates on auto insurance consists of avoiding accidents and claims, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Make time to compare rates every other policy renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

The points below are a review of the ideas that were touched on in this article.

  • Drivers under the age of 20 pay higher prices, as much as $532 per month including comprehensive and collision insurance
  • Drivers who have several accidents or serious violations will pay on average $1,970 more each year to insure a Kia K5
  • Increasing policy deductibles can save around $650 each year
  • Drivers can save as much as $200 per year simply by shopping early and online

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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